Disclaimer
Every calculator here produces an estimate based on the numbers and assumptions you give it. None of it is professional advice, and none of it knows anything about your particular situation.
Informational use only
factonisam publishes informational tools. A calculator applies a published formula to the values you enter and shows the result. It does not know your credit history, your medical record, your local building code, your tax residency or the terms your lender is actually offering. Those are the things that turn an estimate into a decision, and they sit entirely outside what any web page can see.
Results should be treated as a starting point for a conversation with someone qualified, not as a substitute for one. Where a result and a professional's figure disagree, assume the professional is right and ask us why our number differs — we will look into it.
Using this site creates no professional relationship of any kind. We are not your adviser, your accountant, your doctor, your lawyer or your engineer, and reading a page here does not make us any of those things. No duty of care arises from your use of a calculator, and nothing on the site should be understood as a recommendation to take or avoid any particular course of action.
By subject
Financial, investment and tax
Nothing on this site is financial, investment or tax advice, and we are not regulated to give any. Projections of growth, retirement income, loan cost or property return depend completely on assumptions you choose — a rate, a term, an inflation figure — and small changes to those produce very different answers. Past performance does not indicate future results. Consult a licensed financial adviser, accountant or mortgage broker before committing money.
Health and fitness
The health calculators use population formulas: BMI, Mifflin-St Jeor, the US Navy circumference method, standard activity multipliers. They estimate averages for large groups and can be substantially wrong for an individual — a muscular athlete, an older adult, someone pregnant, someone with a thyroid or metabolic condition. Nothing here is a diagnosis, a treatment plan or a substitute for a clinician. Do not start, stop or change any diet, exercise programme or medication on the basis of a number from this site. If a result worries you, speak to a doctor.
Construction and engineering
Quantity calculators estimate materials from the dimensions you enter. They do not account for site conditions, ground movement, load paths, local building regulations, supplier tolerances or waste specific to your crew. They are planning aids, not structural design. Anything load-bearing, anything requiring a permit and anything involving safety must be specified by a licensed contractor or a qualified engineer.
Legal
Nothing here is legal advice. Rules on tax, property, employment hours and consumer credit vary by country, state and sometimes city, and they change. Where a calculator uses a rule of thumb — a 28/36 debt-to-income test, a 20% deposit threshold for PMI — that is a common convention, not a law, and your lender or jurisdiction may differ.
Accuracy and liability
We work hard on accuracy: formulas are taken from published sources, implementations are tested against normal, boundary and invalid inputs, and every page carries a worked example calculated by hand. We still make no warranty that any result is accurate, complete or current, and we accept no liability for decisions made using this site. The terms of service set out the legal position; how we calculate explains the rounding and assumptions behind every figure.
If you find an error, please tell us at info@factonisam.com. Corrections are the most valuable messages we receive and they are treated as urgent.
Advertising disclosure
factonisam carries advertising served by Google AdSense, and that advertising is how the site stays free. Ad slots are labelled "Advertisement", they never appear inside a calculator or above a page's main heading, and no calculator's output changes based on advertising. We are not paid to feature, favour or omit any product, lender, retailer or service, and there are no affiliate links behind the formulas.
Advertisements are supplied by third parties and their content is not ours. An ad appearing on a page is not a recommendation from us. If you see an advertisement that seems misleading or inappropriate, let us know and we will report it.
External links
Where we link to an external site — a standards body, a regulator, an opt-out page — we link because it is useful, not because we endorse everything on it. We do not control those sites, cannot vouch for their accuracy or their privacy practices, and are not responsible for what happens once you leave. External links open in a new tab and carry rel="noopener noreferrer".