Last updated 2 September 2026.
Richient publishes articles and calculators about personal finance. This page sets out what that is, and what it is not, so that nobody has to guess.
This is general information, not advice
Everything here is written for a general audience. It is not financial, investment, tax, accounting or legal advice, it takes no account of your income, debts, obligations, tax position, health, age or goals, and it is not a recommendation to buy, sell or hold anything.
Reading this site, or using a calculator on it, does not create an adviser relationship between you and us. We do not know your circumstances, and nothing here has been prepared with them in mind.
The calculators produce estimates, not answers
Every calculator on this site is a simplified model. Each one runs on assumptions — rates of return, inflation, how interest is compounded — and those assumptions are conventions rather than predictions. We show them, and let you change them, precisely because the results move a great deal when they are wrong.
An output is only as good as what you put in, and none of the models capture everything that will actually happen: tax, fees, changes in your income, a market that behaves unlike its history. Use them to compare one choice against another, which is what they are good for. Do not treat a figure as a forecast, and do not make an irreversible decision because a calculator produced a number you liked.
We try to be accurate, and cannot guarantee it
Articles are researched and, where they state a finding, they cite the study or dataset it came from so you can check it. Even so, information goes out of date. Interest rates move, tax rules change, products are withdrawn, and a figure that was right when an article was written may not be right when you read it. We do not warrant that everything on the site is complete, current or free of error, and we may change or remove anything without notice.
Where you live changes the answer
Financial rules are national and often local. Tax treatment, deposit protection, retirement accounts, consumer credit rules and what counts as a regulated product all differ between countries, and sometimes between states or provinces. General principles travel; specifics frequently do not. Check how something applies where you actually live before relying on it.
Links to other sites
We link to other websites where they are useful — research papers, regulators, official statistics, occasionally a product. The point worth making here is that a link is not an endorsement. We cite a study because it supports a claim, not because we vouch for everything its authors have ever published, and we have no say in what any of those sites do next. What happens to your data once you follow a link is covered in the privacy policy.
Advertising
There are no affiliate or sponsored links anywhere on Richient, and advertising is not currently switched on — the privacy policy covers what happens to your data if it ever is. The point here is a different one: an advert is not an endorsement. Adverts are chosen by the advertising network rather than by us, and one appearing beside an article says nothing about that article. Any commercial relationship that could reasonably affect what we write will be disclosed on the page it affects.
The decision stays yours
You are responsible for what you do with your money. Before acting on anything you read here — particularly anything involving debt, retirement, tax or a sum you cannot afford to lose — speak to a qualified professional who is able to look at your full circumstances and who is regulated to advise you.
To the fullest extent the law allows, we accept no liability for loss arising from a decision made in reliance on this site. Nothing here is intended to exclude any liability that cannot lawfully be excluded.
Questions
If something on the site looks wrong, or you think a figure is out of date, tell us and we will check it. Contact details are on the privacy policy page.