Please read before using our tools
Effective date: May 27, 2026
By using China Finance Tools (finance.china-msg.com), you agree to these terms. If you don't agree, don't use the site.
This is critical: Our calculators provide estimates for informational purposes only. They are not financial advice, tax advice, or legal advice. Exchange rates, tax brackets, and mortgage rates change frequently. Always verify calculations with your bank, tax advisor, or financial professional before making decisions.
We make our best effort to keep rates and calculations accurate. Exchange rates come from the European Central Bank via the Frankfurter API. Tax brackets and mortgage rates are based on publicly available government data. However:
- Exchange rates may be delayed by up to one business day
- Social insurance rates vary by city and may not match your exact situation
- Mortgage rates may differ from what your bank offers
- We are not liable for decisions made based on our calculations
All content on this site is owned by China Finance Tools. You may not copy, redistribute, or scrape our content for commercial purposes without written permission.
Our site may contain links to third-party services (banks, transfer services, etc.). We don't control these services and aren't responsible for their content or practices.
To the maximum extent permitted by law, China Finance Tools and its operators shall not be liable for any damages arising from the use of this site, including but not limited to financial losses resulting from reliance on our calculations.
We may update these terms at any time. Continued use of the site after changes constitutes acceptance of the new terms.
Questions about these terms? Email finance@china-msg.com.