Assumptions & limits

Understand what each calculation includes.

Planning estimates

These are educational models using the assumptions shown on each tool. They are not lender quotes, investment forecasts, bank statements or tax filing software. Rates, fees, compounding conventions, taxes and future outcomes can differ.

Scope

Loan calculations use fixed reducing-balance rates; credit cards use monthly rather than daily interest. Investment returns are hypothetical. Deposit tax is a simple deduction at maturity. GST uses a rate that you supply. Review the tool’s method before using an estimate for a consequential decision.