Disclaimer

This site is operated by an individual who is not registered with SEBI as an investment adviser or research analyst, is not a mutual fund distributor, and holds no licence to provide financial advice in India or anywhere else.

No content here takes account of your income, existing investments, debts, insurance cover, dependants, tax position or risk tolerance. Personalised advice requires all of those. For decisions of any consequence, consult a SEBI-registered investment adviser or a qualified tax professional.

Every calculator here applies a constant rate of return that you chose. Markets do not deliver constant returns. A projection at 12% a year is a statement about arithmetic, not about the future.

Mutual fund investments are subject to market risk. Read all scheme related documents carefully. Past performance does not indicate or guarantee future results, and you can lose money — including some or all of your capital.

Government-administered rates such as PPF are revised periodically. Bank deposit rates change. Annuity rates decades from now are unknowable. Where this site shows such a rate it is a default you should replace with the current figure, not a fact.

Tax content on this site describes Indian rules as we understand them at the date shown on each page, following the changes effective 23 July 2024. Tax law changes, sometimes retrospectively, and its application depends on your individual circumstances and chosen regime.

Verify anything tax-related against the Income Tax Department or a chartered accountant before acting on it. We are not tax advisers.

The formulas are documented on the methodology page and covered by an automated test suite, and we take their correctness seriously. Even so, this site is provided "as is", without warranty of any kind, express or implied.

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