Disclaimer

Last updated: 13 July 2026

1. No advisory relationship

Using ClariMoney's calculators or reading our blog content does not create any advisory, fiduciary, or professional relationship between you and ClariMoney. We don't know your complete financial situation, and our tools can't account for it.

2. Calculators are estimates, not guarantees

Our EMI, SIP, FD, RD, PPF, NPS, HRA, income tax, GST, loan, retirement, and other calculators use standard financial formulas to estimate results based on the numbers you enter. Actual outcomes from your bank, mutual fund, or financial institution may differ due to factors such as:

• Changes in interest rates over time
• Processing fees, charges, or penalties specific to a lender or provider
• Market performance, which is never guaranteed for investment products
• Changes in tax laws, slabs, or exemption rules after the figures were calculated
• Rounding conventions that vary between institutions

Always cross-check important figures with your bank, financial institution, or a qualified tax professional before making a decision based on them.

3. Not investment advice

Nothing on this Site is a recommendation to buy, sell, hold, or avoid any specific stock, mutual fund, insurance product, or other financial instrument. Historical performance figures referenced in our blog content, where included, are illustrative and do not predict or guarantee future results. All investments carry risk, including the potential loss of principal.

4. Not tax or legal advice

Tax rules, exemptions, and regulations — including those referenced in our income tax, HRA, GST, and Section 80C content — change periodically and can vary based on individual circumstances. Our content reflects general understanding at the time of writing and should not be relied on as a substitute for advice from a chartered accountant or tax professional.

5. Third-party information

Where our content references interest rates, historical market data, or figures from banks, mutual funds, or government sources, we aim for accuracy but cannot guarantee that every figure is current at the time you're reading it. Always verify time-sensitive figures directly with the source.

6. Your responsibility

Any financial decision you make — including based on a calculator result or an article on this Site — is made entirely at your own discretion and risk. We strongly encourage consulting a qualified financial advisor, chartered accountant, or relevant professional before acting on any information found here.

7. Related pages

This Disclaimer should be read alongside our Terms of Use and Privacy Policy, which contain additional relevant terms, including limitation of liability.

8. Questions

If anything on this page is unclear, feel free to reach out: