Terms of Service

Effective date: October 6, 2026.

What Kalkgo is

kalkgo.com provides free online calculators for tax, salary, insurance and marketplace fees in Southeast Asia, plus one paid digital product (an Excel template, "PRO").

Estimates only

All calculator results are estimates for reference only, based on simplified assumptions stated on each page. They are not legal, tax or financial advice. For official figures, consult your employer, accountant or the relevant tax authority.

PRO product

PRO is a one-time purchase (USD 9) delivered as a file download via our payment provider Creem. Because it is a digital download, completed purchases are generally not refundable. However, if the file is defective or corrupted and we cannot provide a working replacement, we will refund you in full when you contact us within 14 days of purchase. If you bought by mistake and have not downloaded the file, contact us within 14 days and we will refund you.

Acceptable use

Do not misuse the site, attempt to disrupt it, or misrepresent calculator results as official advice. Content on this site (explanations, layouts) may not be republished in bulk without permission.

Changes

We may update these terms; the current version is always on this page.