Financial Disclaimer

Calcora provides free calculators to help you understand financial concepts and estimate outcomes. Please read this disclaimer carefully before relying on any result.

Estimates only, not advice

Every number produced by our calculators is an estimate, generated from the inputs you provide and a set of underlying assumptions (interest rates, inflation, expected returns, tax slabs, and similar variables). These calculators do not constitute financial, investment, tax, legal, or insurance advice, and should not be treated as a substitute for professional guidance.

Assumptions can change

Several of our calculators — particularly those covering income tax, GST, TDS, gratuity, and other statutory calculations — reflect our understanding of applicable Indian rules at the time each tool was built. Tax slabs, exemption limits, and financial regulations change, sometimes with each budget cycle. Always verify current rules with the Income Tax Department, official government sources, or a qualified Chartered Accountant before acting on any figure.

Market-linked instruments carry risk

Calculators involving mutual funds, stocks, cryptocurrency, gold, REITs, or P2P lending project future value using a constant assumed rate of return for simplicity. Actual returns from market-linked instruments fluctuate, can be negative, and past performance (or any assumed rate) is not indicative of future results. Cryptocurrency and P2P lending in particular carry substantial risk, including the possibility of losing your entire principal.

No guarantee of accuracy

While we take reasonable care to implement widely accepted financial formulas correctly and verify our worked examples, we make no representation or warranty regarding the accuracy, completeness, or reliability of any calculator, and we disclaim liability for any loss arising from reliance on our tools.

Consult a professional

• For tax filing and planning — consult a Chartered Accountant (CA).
• For investment decisions — consult a SEBI-registered Investment Advisor.
• For insurance decisions — consult a licensed insurance advisor or the insurer directly.
• For legal matters (property, wills, contracts) — consult a qualified lawyer.

Related policies

This disclaimer should be read alongside our Terms of Service and Privacy Policy.

Contact

If you believe a calculator on this site contains a factual or formula error, please let us know at calcorabusiness@gmail.com so we can review and correct it.