Disclaimer
What our calculators can and cannot tell you, in plain language.
Last updated: June 2026.
Not professional advice
Every calculator, converter, and article on SimpleTools Daily is provided for general informational and educational purposes only. Nothing on this site is financial, medical, legal, or tax advice, and no tool here is a substitute for a conversation with a qualified professional who knows the specifics of your situation.
The formulas behind these tools are standard and well-documented — the same amortization math a bank uses, the same Mifflin-St Jeor equation a dietitian would reference, the same unit-conversion constants published by NIST. What the tools cannot do is account for the details of your specific circumstances: your local tax rules, your lender's exact fee structure, your personal medical history, or the fine print of a contract you have signed.
Financial calculators
The loan, mortgage, retirement, tax, savings, and investment tools estimate outcomes using the inputs you provide and standard formulas. They do not know your credit score, your lender's actual offer, your state or local tax rates, or fees such as origination charges, closing costs, or PMI unless you enter them yourself. Real loan and investment terms vary by lender and by year. Treat every result as a planning estimate, not a quote, and confirm actual numbers with your bank, broker, or a licensed financial advisor before making a decision.
Health calculators
The BMI, TDEE, body fat, ideal weight, and water intake tools use population-level formulas that do not account for individual factors such as muscle mass, medical conditions, medications, pregnancy, or age-related changes in body composition. These figures are starting points for a conversation with a doctor or registered dietitian, not a diagnosis or a prescription. If you have a health condition, are pregnant, or are making significant changes to diet or exercise, talk to a healthcare provider first.
Developer and conversion tools
The regex tester and Unicode conversion tools are convenience utilities intended for quick checks during development. They are not a substitute for testing your actual regular expressions or encoding logic against your production runtime and character set, which can differ subtly (Unicode normalization forms, regex engine flavor differences, locale-specific collation).
Accuracy and updates
We make a reasonable effort to keep formulas and reference figures (such as US federal tax brackets) current, and we correct errors when they are reported. We do not guarantee that every figure is current at the moment you read it — tax law and lending norms change over time. If you spot something out of date, please use the contact page to tell us.
Always verify
Do not make a major financial, medical, or legal decision based solely on a number from this site. Use these tools to build intuition and compare scenarios, then verify the specific figures that matter with a qualified professional or an official source before acting on them.