Financial disclaimer

Last updated: August 2026

FinToolkit does not provide financial, tax, investment or legal advice. Every calculator produces an educational estimate based on the inputs you give it and the formulas stated on that page.

Estimates, not guarantees

Loan EMIs, investment projections, and tax figures shown here are approximations. Actual figures from your bank, mutual fund, or the Income Tax Department may differ due to rounding, fees, scheme-specific rules, or rate changes after our last update.

Market-linked products

Calculators like SIP, Lumpsum, NPS and mutual fund projections assume a constant rate of return for simplicity. Real markets are volatile — actual returns can be higher or lower than assumed, including negative in the short term.

Tax calculators

Income tax, capital gains, HRA and gratuity calculators reflect our understanding of the rules for FY 2025-26 (AY 2026-27) at the time of writing, including the Section 87A rebate up to ₹12,00,000 of taxable income, marginal relief just above that threshold, surcharge tiers with their own marginal relief, and the 4% health and education cess. Some edge cases — business income, foreign assets, presumptive taxation and senior-citizen specific provisions — are not modelled. Confirm your actual liability with a chartered accountant or the official Income Tax e-filing portal.

Before you act

Always verify current interest rates, charges and terms directly with your bank or financial institution, and consult a qualified advisor for decisions specific to your situation, before making any financial commitment.