ThinkVault Tools
Important Disclaimer
Before relying on any figures generated on ThinkVault Tools for property purchases, borrowing, stock trading, or tax filing, please review these three key disclaimers:
Last updated: 19 October 2026
1. Not Financial, Investment, or Tax Advice
Every result produced by our calculators—including mortgage stress tests, savings policy IRR, stock dollar-cost averaging, Kelly Criterion position sizing, dividend projections, and tax deductions—is a purely mathematical projection based on the assumptions you enter. Nothing on this site constitutes an offer, solicitation, or personalized recommendation to buy or sell securities, apply for credit, or enter into any insurance contract. Always consult a licensed financial professional or certified public accountant before committing capital.
2. Model Assumptions, Rounding & Data Snapshots
To keep calculators fast and practical, mathematical models apply standardized conventions (such as uniform monthly compounding, constant assumed inflation or growth rates, official gazetted Hong Kong public holidays for workday counts, and European Central Bank reference snapshots for historical exchange rates). Real-world day-count conventions (360 vs. 365 days), promotional rebates, and individual tax eligibility rules may produce slight variances from model estimates.
3. External Links, Subdomains & User Responsibility
Taxes, lending criteria, holidays and protection rules vary by location and may change. Check the latest official information and provider terms where you live. Results are comparison estimates only.