Disclaimer Policy

⚠️ Important Notice for Indian Users: The computational calculations, projections, and reports generated by this application are mathematical simulations of compound interest, tax, and inflation variables. They do not constitute formal investment recommendations or SEBI-registered advice.

By utilizing the calculation workspaces at CorpusCalculator.com, you explicitly acknowledge and agree to the terms of this Regulatory Disclaimer.

1. Non-Advisor / Independent Developer Status

CorpusCalculator.com is an independent mathematical workspace built by a software engineer for educational planning.

We are not a SEBI Registered Investment Advisor (RIA), Portfolio Manager, or Mutual Fund Distributor.
We do not provide stock recommendations, mutual fund advice, or asset allocations.
We do not collect commissions, referral codes, or kickbacks from any brokerage or insurance provider.

2. Mathematical Models & Market Volatility

Our calculators utilize mathematical compounding algorithms based on constant percentages selected by the user (e.g., a constant 12% equity growth rate, a constant 6% inflation rate, or a constant 8.15% EPF yield).

In reality, markets do not move in straight lines. Portfolios are subject to sequence-of-returns risk, market volatility, inflation fluctuations, and corporate default risks. The actual timeline of your portfolio depletion will differ based on the real-world sequence of returns.

3. Indian Tax Modeling Limitations

While our calculators model both the **Old Tax Regime** and the **New Tax Regime** (including basic exemption thresholds, deductions, and slab calculations), they represent a generalized estimation.

Capital gains taxes (LTCG and STCG) on equities, debt instruments, real estate, and physical gold are complex and subject to frequent updates in Union Budgets. Please consult a qualified Chartered Accountant (CA) or tax professional to model your exact tax liabilities.

4. Limitation of Liability

To the maximum extent permitted by law, CorpusCalculator.com and its creator shall not be held liable for any financial losses, capital shortfalls, tax penalties, or investment decisions made based on outputs, calculations, or reports downloaded from this site.