All calculators are made available as self-help tools for your independent use with results based on information provided by the user. All examples are hypothetical and are for illustrative purposes only. Calculated results are believed to be accurate but results are not guaranteed. Savings calculation results are intended only to demonstrate possible savings growth and is broad in scope. Growth calculators (like Retirement or Savings) depend on the average interest rate you expect to earn. Since interest rates will vary over time, your exact return percentage and results will most certainly be different. Before making any final decisions or implementing any investment or savings strategy, users are advised to obtain additional information and advice from your accountant and other investment advisors who are fully aware of your individual circumstances.