Disclaimer

1. General information only

The information, calculators and articles published on SmartMoneyTools.org (the "Site") are provided for general informational and educational purposes only. They are intended to help Indian readers think about their finances in a structured way — not to recommend a specific investment, loan, tax position, insurance product or financial decision.

2. Not investment, tax or legal advice

SmartMoneyTools is not a SEBI registered investment advisor, mutual fund distributor, stockbroker, chartered accountant firm, or legal practitioner. Nothing on this Site constitutes investment advice, a research report, a recommendation to buy or sell any security, a tax opinion, or a solicitation to invest. Always consult a qualified, SEBI-registered investment advisor, a chartered accountant, and where appropriate a legal professional before acting on any information you find here.

3. Calculator results are estimates

Every calculator on this Site is a model. Results depend entirely on the inputs and assumptions you provide — including expected returns, inflation, interest rates, tax slabs, tenure, and step-up rates. Real-world outcomes will differ, sometimes materially, due to:

• Market volatility and fund performance variability.
• Changes in income tax laws, slabs and surcharges (FY 2026-27 used as default).
• Changes in scheme rates (PPF, EPF, NPS, SCSS, KVP, NSC, SSY) notified by the Government.
• Changes in repo rate, lending rates and bank-specific spreads.
• Tax deducted at source (TDS), exit loads, expense ratios and transaction costs.
• Inflation and rupee purchasing power over the planning horizon.

Past performance of any asset class is not indicative of future results. Mutual fund investments and equity investments are subject to market risks; please read all scheme related documents carefully before investing.

4. Tax rules and scheme rates

We make a sincere effort to keep tax slabs and scheme interest rates updated for the current financial year. However, rates can change between budget cycles and quarterly notifications. Always verify the latest rates with the Income Tax Department, RBI, SEBI, AMFI and your bank or AMC before making a decision.

5. No fiduciary relationship

Use of this Site does not create any advisor-client, fiduciary, or professional relationship between you and SmartMoneyTools, its founder, contributors or affiliates.

6. Third-party content and advertising

The Site may contain links to third-party websites and may display advertisements through networks such as Google AdSense. We do not endorse, control or accept responsibility for third-party content, products, services or claims. Any transaction you enter into with a third party is solely between you and that party.

7. Affiliate and sponsored content

From time to time, articles or pages may include affiliate links or sponsored placements. Where this is the case, we will clearly disclose it on the page. Earning a small commission does not influence our editorial choices.

8. No warranty

The Site is provided on an "as is" and "as available" basis, without warranties of any kind, express or implied — including warranties of accuracy, completeness, merchantability and fitness for a particular purpose. We do not warrant that the Site will be uninterrupted, secure, error-free, or that calculator formulas will fit your unique situation.

9. Limitation of liability

To the maximum extent permitted by law, SmartMoneyTools and its founder, contributors and service providers will not be liable for any direct, indirect, incidental, consequential, special, or punitive damages — including loss of profits, investments, savings or data — arising from your use of the Site or any decision made based on its content.

10. Acknowledgement

By using SmartMoneyTools, you acknowledge that you have read and understood this Disclaimer and agree to use the Site at your own risk. If you do not agree, please discontinue use of the Site.

11. Contact

For any question about this Disclaimer, write to info@smartmoneytools.org.