Disclaimer

Regulatory status

CompoundWise is not authorised or regulated by the Financial Conduct Authority (FCA). We are not a registered investment firm, financial adviser, or broker-dealer. We do not hold any FCA permissions and are not covered by the Financial Ombudsman Service in relation to any content or tools provided on this website.

If you require financial advice that takes into account your individual circumstances, objectives, and risk tolerance, you should consult an FCA-authorised independent financial adviser.

Calculator accuracy and limitations

Our compound interest calculators use standard mathematical formulae to produce illustrative estimates only. Calculator outputs are based on hypothetical assumptions that you provide (such as interest rates, rates of return, contribution amounts, and time periods) and should not be treated as predictions of future performance.

• Rates of return are not guaranteed. The calculators may use default rates (such as 7% for equities) based on long-term historical averages. Actual future returns may be significantly higher or lower, including the possibility of negative returns and loss of capital.
• Past performance does not guarantee future results. Historical data, averages, and benchmarks referenced throughout this website are provided for context and illustration only. They do not indicate or promise future performance.
• Inflation is not always accounted for. Unless you specifically enable the inflation adjustment feature, calculator projections show nominal (pre-inflation) figures. Real (inflation-adjusted) purchasing power will be lower.
• Tax treatment is simplified. References to ISA tax-free status, Personal Savings Allowances, Capital Gains Tax, and other tax rules are based on current UK legislation as of the date of publication. Tax rules can change, and individual tax treatment depends on your personal circumstances.
• Fees and charges are not included. Platform fees, fund management charges, trading costs, and other expenses will reduce your actual returns. These are not modelled in the calculator unless explicitly stated.

We make reasonable efforts to ensure the accuracy of our calculator logic and content, but we do not warrant that it is error-free. If you notice an error, please contact us so we can investigate and correct it.

Investment risk warning

Affiliate relationships and compensation

CompoundWise participates in affiliate programmes with investment platforms and financial service providers. When you click on certain links on our website and subsequently open an account or make a purchase, we may receive a commission or referral fee at no additional cost to you.

Affiliate relationships are clearly disclosed on each page where they appear, with links marked as "Affiliate" where applicable. We use the rel="nofollow sponsored" attribute on all affiliate links as recommended by Google.

How affiliate relationships affect our content:

• Affiliate relationships do not influence calculator outputs, mathematical projections, or educational content.
• The selection of platforms featured on our site may be influenced by commercial partnerships.
• We only feature platforms that we believe are suitable for UK investors, are FCA-regulated, and offer FSCS protection where applicable.
• Our editorial content aims to be balanced and factual, regardless of whether a platform mentioned is an affiliate partner.

Third-party websites and content

This website may contain links to third-party websites, platforms, and resources. These links are provided for convenience and informational purposes only. CompoundWise does not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party websites.

When you click a link to a third-party website, you leave CompoundWise and are subject to that website's own terms, conditions, and privacy policy. We encourage you to read the terms and privacy policies of any third-party website you visit.

UK-specific information

Unless otherwise stated, all content on CompoundWise is written with a United Kingdom audience in mind. References to tax rules (ISA allowances, Capital Gains Tax, Personal Savings Allowance, pension rules), regulatory bodies (FCA, FSCS), and government schemes (Lifetime ISA, auto-enrolment) are based on current UK legislation and may not apply in other jurisdictions.

UK tax rules and financial regulations change periodically. While we aim to keep our content up to date, information may not reflect the very latest changes. Always verify current rules with an authoritative source such as GOV.UK or MoneyHelper.

Limitation of liability

To the fullest extent permitted by law, CompoundWise and its owners, contributors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of, or inability to use, this website or any content provided on it.

This includes, without limitation, any losses arising from investment decisions made in reliance on information provided on this website, calculator outputs, or educational content. You use all tools and information on this website entirely at your own risk.

Content accuracy and updates

We make reasonable efforts to ensure that all information on CompoundWise is accurate, current, and complete at the time of publication. However, we do not guarantee the accuracy, completeness, or timeliness of any content. Financial data, interest rates, tax rules, and market conditions change frequently, and content may become outdated between updates.

If you believe any information on our website is inaccurate or out of date, please let us know so we can review and correct it promptly.

Questions about this disclaimer

If you have any questions about this disclaimer, please contact us at hello@compoundwise.co.uk or visit our contact page.

Related legal pages

• Privacy Policy — How we handle your data
• Terms & Conditions — Rules for using this website
• Cookie Policy — What cookies we use and why
• About CompoundWise — Who we are and our editorial standards