Legal
These terms cover this website and the free calculators on it. They're written to be read, not to be impressive.
This website sells nothing. The handbooks are published on Amazon, and Amazon is the seller: their terms, their prices, their delivery and their refund policy apply to anything you buy there.
The calculators are free to use, with no signup. They run entirely in your browser — nothing you type is sent anywhere, stored or seen by me. Use them for as long as you like. Don't republish them or pass them off as your own; copyright stays with me.
Everything here is general information. It is not financial advice, tax advice, credit advice or legal advice. It takes no account of your objectives, financial situation or needs. I am not a licensed financial adviser. Superannuation and tax rules change frequently and the penalties for getting them wrong are severe — always consult a registered tax agent, an SMSF specialist and a licensed financial adviser before acting on anything you read here. You remain responsible for your own decisions.
The books and calculators are current to the 2026–27 Australian financial year at the time of writing, and the worked examples are exactly that — examples. Rules change. The calculators here are updated first when they do.
Nothing in these terms excludes, restricts or modifies any guarantee, right or remedy you have under the Australian Consumer Law.
These terms are governed by the laws of Queensland, Australia.
Last updated September 2026.