Disclaimer

thecalcu.com provides free online calculators covering finance, tax, loans, mathematics, health, and everyday use. All calculators and content on this website are provided for general informational and educational purposes only. They do not constitute financial, investment, tax, legal, medical, or any other form of professional advice.

By using thecalcu.com, you agree to the terms set out in this Disclaimer. If you do not agree, please discontinue use of the Site.

The results generated by calculators on this Site are estimates based on the inputs you provide and standard mathematical or financial formulas. They are intended to help you understand concepts and make informed decisions, not to replace consultation with a qualified professional.

Specifically, nothing on thecalcu.com should be construed as:

• Financial or investment advice — results from SIP, lumpsum, or return calculators are projections based on assumed rates, not guaranteed outcomes
• Tax advice — GST, TDS, and income tax outputs are indicative estimates; your actual tax liability may differ based on applicable exemptions, deductions, and current regulations
• Legal advice — no content on this Site creates a lawyer-client relationship or should be relied upon as a legal opinion
• Medical or health advice — BMI, calorie, and body fat results are screening estimates and do not replace clinical assessment
• Lending or credit advice — EMI and loan calculations are illustrative; actual loan terms depend on lender policies and your creditworthiness

Always verify results with a registered financial adviser, chartered accountant, licensed lender, registered medical practitioner, or other qualified professional before making any significant decision.

We make reasonable efforts to ensure that the formulas and logic underlying each calculator are accurate and up to date. However, we do not warrant that:

• Results are error-free, complete, or suitable for your specific circumstances
• Tax rates, interest rates, regulatory thresholds, or other input parameters reflect the most current rules at the time you use the calculator
• The calculation methodology matches that used by any particular bank, government authority, or financial institution

Laws and regulations — particularly those governing GST, TDS, income tax, and lending — change frequently. We aim to update our calculators promptly but cannot guarantee that every calculator reflects the latest rules at all times. Verify applicable rates directly with the relevant authority or institution.

Finance and investment calculators on this Site — including SIP, lumpsum, FD, PPF, and CAGR calculators — use a return rate that you enter as an input. Past performance of any asset class does not guarantee future results. Actual investment returns may be significantly higher or lower than projected, and the value of investments can fall as well as rise.

thecalcu.com is not a registered investment adviser, broker, or distributor. No output from this Site constitutes a recommendation to buy, sell, or hold any financial product.

Where the Site links to external websites, those links are provided for reference only. thecalcu.com does not endorse, control, or accept responsibility for the content, accuracy, or practices of any third-party website. Accessing external links is at your own risk.

To the maximum extent permitted by applicable law, thecalcu.com and its owners, operators, contributors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of, or reliance on, any calculator result or content on this Site — including but not limited to financial loss, tax penalties, or decisions made based on calculator outputs.

Your use of this Site is entirely at your own risk.

We may update this Disclaimer from time to time to reflect changes in the Site, applicable law, or our practices. The “Last updated” date at the top of this page will be revised accordingly. Continued use of the Site after any changes constitutes acceptance of the revised Disclaimer.

If you have any questions about this Disclaimer or believe a calculator contains an error, please contact us at hello@thecalcu.com.