Financial Disclaimer
The calculators and content on Funds Calculators are for educational and illustrative purposes only. They do not constitute financial advice. Returns shown are based on assumed rates and are not guaranteed. Please consult a SEBI-registered investment advisor before making investment decisions.
This page explains, in more detail, what Fundscalculators.co is, what it is not, and how you should use the numbers it produces. By using any calculator or reading any content on this website, you acknowledge that you have read and understood this Financial Disclaimer.
1. Educational and Illustrative Purpose Only
Every calculator on this website — including the SIP Calculator, Goal SIP Calculator, Smart Goal Calculator, Step-Up SIP Calculator, Lumpsum Investment Calculator, Retirement Planning Calculator, Inflation Calculator, Cost of Delay Calculator, and Systematic Withdrawal Plan (SWP) Calculator — is built solely to help you understand how compounding, inflation, and withdrawal mathematics work. The outputs are illustrative projections based on the figures you enter, not predictions, forecasts, or recommendations.
2. Not Financial, Investment, Tax, or Legal Advice
Fundscalculators.co is a calculation tool. It is not a SEBI-registered investment advisor, mutual fund distributor, broker, or financial planner, and nothing on this website should be interpreted as personalized investment advice, a solicitation to buy or sell any financial product, or a recommendation of any specific mutual fund scheme, asset class, or investment strategy. We do not consider your individual financial situation, risk appetite, tax bracket, or goals when generating calculator outputs.
3. Assumed Rates of Return Are Not Guaranteed
Default and user-entered return assumptions used across our calculators (commonly in the 10–12% range for equity-oriented inputs and 6–7% for debt-oriented inputs) are illustrative long-term averages drawn from historical market behavior. They are not guarantees of future performance. Actual returns from mutual funds, equities, debt instruments, or any other financial product can be higher or lower than the assumed rate, including negative, and depend on market conditions, fund selection, expense ratios, and economic factors outside our control.
4. No Guarantee of Accuracy or Completeness
While we make every reasonable effort to keep our formulas, government-notified rates (such as the PPF interest rate), and reference data current, we do not warrant that the results, examples, or figures shown on this website are accurate, complete, or error-free at all times. Small rounding differences, timing of rate revisions, or input errors on your part may cause calculator outputs to differ from results obtained from your bank, mutual fund house, or financial advisor. Always cross-check important figures before acting on them.
5. Mutual Fund and Market Risk Disclosure
Mutual fund investments are subject to market risks. Please read all scheme-related documents, including the Scheme Information Document (SID) and Key Information Memorandum (KIM), carefully before investing. Past performance of any mutual fund scheme, index, or asset class is not indicative of, and does not guarantee, future returns. Fundscalculators.co does not sell, distribute, or recommend any mutual fund scheme, and we receive no commission or compensation tied to any fund purchase decision you make.
6. No Advisor-Client Relationship
Using a calculator on this website, reading a blog post, or contacting us through our website does not create an advisor-client, fiduciary, or any other professional relationship between you and Fundscalculators.co. We do not have visibility into your complete financial picture and cannot be responsible for decisions made using our tools.
7. Third-Party Links and Information
This website may reference or link to government sources, regulatory bodies (such as SEBI or AMFI), or third-party websites for context. We do not control and are not responsible for the accuracy, currency, or content of any third-party website. Inclusion of a link does not imply endorsement of that organization or its products.
8. Limitation of Liability
To the fullest extent permitted by law, Fundscalculators.co, its owners, and contributors shall not be held liable for any direct, indirect, incidental, or consequential loss or damage arising from your use of, or reliance on, any calculator, content, or figure presented on this website, including investment losses, missed financial goals, or decisions made based on illustrative projections.
9. Consult a SEBI-Registered Investment Advisor
Before making any investment, retirement planning, or withdrawal decision, please consult a SEBI-registered investment advisor (RIA), a certified financial planner, or a qualified tax professional who can evaluate your complete financial situation, risk tolerance, and goals. You can verify the registration status of an advisor on the official SEBI website.
10. Changes to This Disclaimer
We may update this Financial Disclaimer from time to time to reflect changes in regulations, our tools, or our content. The "Last updated" date at the top of this page will always reflect the most recent revision. We encourage you to review this page periodically.
11. Contact Us
If you have questions about this Financial Disclaimer, please reach out via our Contact Us page.
