Disclaimer

Not financial advice

The information provided on Saving Pennies (savingpennies.co.uk) is for general educational and informational purposes only. Nothing on this website constitutes financial advice, investment advice, trading advice, or any other type of professional advice.

We are not authorised or regulated by the Financial Conduct Authority (FCA). We do not provide regulated financial advice.

Calculator outputs are illustrative only

The Doubling Savings Calculator on this site produces illustrative, theoretical outputs based on mathematical doubling. These outputs:

• Do not represent realistic savings plans for most people
• Do not account for tax, inflation, bank account limits, or real-world constraints
• Are provided purely to demonstrate the concept of exponential growth
• Should not be used as the basis for any real financial decision

Accuracy of information

While we make every effort to ensure the content on this site is accurate and up to date, we make no warranties or representations about the accuracy, completeness, or suitability of any information on this website.

Financial products, interest rates, tax rules, and regulations change frequently. Always verify any financial information independently before acting on it.

Third-party links

This website may contain links to third-party websites (e.g. banks, comparison sites, government guidance). We have no control over the content of these sites and accept no responsibility for them. Links are provided for convenience and do not constitute endorsement.

Affiliate disclosure

Some links on this website may be affiliate links, meaning we may earn a small commission if you click through and make a purchase or sign up. This does not affect the price you pay. We only link to products or services we believe to be genuinely useful.

Advertising

This site displays advertisements via Google AdSense. Advertisements are clearly labelled. The presence of an advertisement does not constitute an endorsement of the advertiser's products or services.

UK jurisdiction

This website is operated from the United Kingdom and is primarily aimed at UK residents. Financial products, tax rules, and regulations mentioned on this site refer to the UK unless stated otherwise.

Seek professional advice

Before making any financial decision — including saving, investing, taking out debt, or changing your pension contributions — you should consult with a qualified independent financial adviser (IFA) who is authorised by the Financial Conduct Authority.

You can find a regulated financial adviser at unbiased.co.uk or the FCA Register.

Limitation of liability

To the fullest extent permitted by law, Saving Pennies excludes all liability for any loss or damage (including direct, indirect, or consequential loss) arising from the use of, or reliance on, any information on this website.

Changes to this disclaimer

We reserve the right to update this disclaimer at any time. Continued use of the site constitutes acceptance of any changes.