Last updated: October 20, 2026.
The service
BeadCalc provides free online calculators for general information, education and planning. By using the site you accept these terms.
Results are estimates — not professional advice
Calculator results are mathematical estimates based on the inputs you provide and the standard formulas stated on each page. They are not financial, investment, medical, tax or legal advice, and they do not create any professional relationship. Actual figures from lenders, institutions and clinicians will differ because of fees, day-count conventions, individual circumstances and factors no calculator can see. For decisions with significant consequences, consult a qualified professional and rely on official figures.
Health calculators in particular are screening and estimation tools. They do not diagnose any condition, and nothing on this site replaces medical care.
Accuracy
We test every calculator against independent reference values and publish its formula and a worked example on its page, but we cannot warrant that every result is error-free or fit for a particular purpose. The site is provided "as is" without warranties of any kind. If you find an error, please report it via the contact page — corrections are a service to every reader.
Acceptable use
You may use BeadCalc freely for personal and commercial reference (for example, checking a figure for a report, with the estimate caveat above). You may not scrape the site at a volume that burdens its operation, misrepresent BeadCalc results as official figures, or remove attribution when republishing the site's explanatory content. Linking to any page is welcome.
Limitation of liability
To the maximum extent permitted by law, BeadCalc and its operators are not liable for any loss or damage arising from reliance on calculator results or from use of the site.
Changes
These terms may be updated; the current version always appears on this page. Continued use of the site after a change constitutes acceptance of the updated terms.