gavelDisclaimer

1. General Disclaimer

Calkulator provides free online calculators to help users estimate financial values, tax liabilities, health metrics, and academic results. All outputs are estimates based on the inputs you provide and the formulas used. Results should not be treated as definitive figures for financial planning, legal compliance, or medical decisions.

Calkulator and its operators are not licensed financial advisors, chartered accountants, insurance brokers, or medical professionals. Nothing on this website constitutes professional advice of any kind.

2. Financial Calculators

EMI, SIP, PPF, NPS, income tax, GST, and all other financial calculators on Calkulator use standard formulas and publicly available rate information. However:

• Interest rates, tax slabs, and government scheme parameters change periodically. Calkulator makes reasonable efforts to update default values but cannot guarantee that every rate reflects the current applicable rate at the time of your calculation.
• Actual EMI, returns, or tax liability from your bank, fund house, or the Income Tax Department may differ from calculator estimates due to rounding, day-count conventions, processing fees, or regulatory changes.
• SIP and investment return projections assume a constant rate of return. Actual mutual fund or equity returns are market-linked, variable, and not guaranteed. Past performance is not indicative of future results.
• Income tax calculations do not constitute tax filing or legal advice. Consult a Chartered Accountant (CA) or tax professional for accurate tax computation and filing.

3. GST and Business Calculators

GST rates, HSN codes, and compliance rules are subject to change as notified by the GST Council. Calkulator's GST calculators use rates as of the last update date but cannot guarantee accuracy for all goods and services classifications. Verify applicable GST rates with a GST practitioner or the official GST portal before filing.

4. Health Calculators

BMI, calorie, water intake, body fat, and pregnancy calculators provide general estimates based on widely used formulas (WHO BMI classification, Mifflin-St Jeor equation, etc.). These results are not medical diagnoses or treatment recommendations. Consult a registered medical practitioner or dietitian before making any changes to your diet, exercise regimen, or medical care.

5. Accuracy and Errors

While Calkulator strives for accuracy, we do not warrant that the information or results provided are error-free, complete, or current. We reserve the right to correct any errors and update calculator logic without prior notice. Calkulator shall not be liable for any loss, damage, or inconvenience arising directly or indirectly from reliance on calculator results.

6. Affiliate and Partner Links

Some pages on Calkulator contain affiliate links or referral buttons to financial product providers (banks, NBFCs, insurance companies, investment platforms). Calkulator may earn a referral commission if you apply for or purchase a product through these links. This does not affect the calculator results or our editorial independence. Recommended products are based on general suitability and user intent — not commission rates.

7. Limitation of Liability

To the maximum extent permitted by applicable law, Calkulator, its operators, employees, and affiliates shall not be held liable for any direct, indirect, incidental, consequential, or punitive damages arising from the use of or inability to use this website or its calculators — including but not limited to financial loss, data loss, or adverse health outcomes.

8. Governing Law

This disclaimer is governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the competent courts in India.

9. Contact

For questions about this disclaimer, contact us at: legal@calkulator.in