Estimates, not advice

Important: The calculators on Rupivo are tools for general information and education only. They do not constitute financial, tax, investment, or legal advice. Always consult a qualified professional before making any financial decision.

1. General disclaimer

Rupivo (“the site”, “we”, “us”) is operated by Codynex Technology and provides online financial calculators as a free public service. The results produced by these calculators are mathematical estimates based on the inputs you provide and a set of standard assumptions. They are intended to help you understand concepts and get a ballpark figure — not to replace the advice of a qualified chartered accountant (CA), certified financial planner (CFP), or legal adviser.

Nothing on Rupivo should be construed as financial advice, tax advice, investment advice, legal advice, or any other form of professional advice. The site does not take into account your individual financial situation, risk tolerance, investment objectives, or personal circumstances.

2. Accuracy of results

We make every effort to keep our calculators accurate and up to date with the latest tax rates, slab boundaries, and regulatory changes. Our calculations are based on the Finance Act and official CBDT / SEBI / AMFI notifications for FY 2025-26 (AY 2026-27). However:

• Tax laws, interest rates, market returns, and regulatory rules change frequently. Figures shown may become outdated between Budget announcements or after a government notification.
• The calculators use standard assumptions (for example, quarterly compounding for FDs, standard deduction eligibility for salaried individuals, full-year SIP contributions) that may not apply to your specific situation.
• Results are rounded to the nearest rupee and may differ slightly from the exact amounts computed by the Income Tax Department or your bank due to internal rounding methods.
• Surcharge calculations depend on your total income across all heads (salary, business, capital gains, etc.). Our calculators handle one income stream at a time and may not reflect the correct surcharge when multiple income sources are combined.
• Capital gains calculations assume that all transactions in a financial year are entered correctly. Our tool cannot verify the accuracy of the dates or prices you provide.

Despite our best efforts, we cannot guarantee that every result is perfectly accurate for every possible input. Always verify important figures with the official Income Tax e-filing portal, your bank, or a qualified professional before acting on them.

3. Not a substitute for professional advice

India’s tax laws are complex and frequently amended. Individual circumstances — multiple income sources, special deductions, international income, HUF status, partnership or business income, agricultural income, and many other factors — can significantly affect the actual tax or investment outcome. A calculator cannot account for all of these variables.

For any significant financial decision — filing your income tax return, selling property, making large investments, structuring a salary package, or planning capital gains — we strongly recommend consulting:

• A qualified Chartered Accountant (CA) for tax matters
• A SEBI-registered Investment Adviser for investment decisions
• A licensed financial planner for retirement and long-term planning
• A legal adviser for property transactions and estate planning

4. No liability

To the fullest extent permitted by applicable law, Rupivo and Codynex Technology disclaim all liability for:

• Any loss, damage, or penalty arising from reliance on the results produced by our calculators.
• Any errors, omissions, or inaccuracies in the calculator results, whether caused by incorrect inputs, outdated rates, or software bugs.
• Any tax demand, interest, or penalty raised by the Income Tax Department, GST Council, or any other regulatory body based on figures obtained from this site.
• Any investment loss arising from decisions made on the basis of projected returns shown by our SIP, FD, or lumpsum calculators. Past rates of return do not guarantee future performance.
• Any interruption or unavailability of the service due to technical issues, maintenance, or force majeure events.

5. Investment risk warning

Our SIP, lumpsum, and FD calculators project returns based on the rate of return you enter. These projections are purely hypothetical. Actual returns from mutual funds, equities, and other market-linked instruments will vary based on market conditions and are not guaranteed. Mutual fund investments are subject to market risk. Please read all scheme-related documents carefully before investing.

Fixed deposit returns shown assume the interest rate you enter remains constant for the entire tenure. Actual FD rates vary by bank, tenure, and are subject to change at renewal.

6. Tax law disclaimer

Tax results shown on Rupivo are based on our interpretation of the Finance Act as it applies to a typical individual taxpayer (resident Indian, income from salary or investments, no special status). Results may be different for:

• Non-resident Indians (NRIs) and persons of Indian origin (PIOs)
• Hindu Undivided Families (HUFs)
• Firms, LLPs, companies, and trusts
• Persons with income from business or profession
• Persons subject to alternate minimum tax (AMT) or minimum alternate tax (MAT)
• Senior citizens in the old regime (separate slab thresholds apply)

The Income Tax Act is over 900 sections long. Our calculators implement the most common provisions. Edge cases, special deductions, and jurisdiction-specific rules may not be covered.

7. Affiliate and sponsored content

Some pages on Rupivo include affiliate links to third-party products and services (for example, tax-filing platforms, brokerage accounts, or loan products). These links are clearly labelled. If you click an affiliate link and make a purchase or sign up, we may earn a commission at no extra cost to you.

Affiliate relationships do not influence our calculator results, which are based solely on the numbers you enter and the applicable tax rules. We only feature products and services we believe are genuinely useful — but we encourage you to do your own research before signing up for any financial product.

8. External links

Rupivo includes links to official government portals (Income Tax e-filing portal, GST portal, AMFI, etc.) and third-party websites for reference. We are not responsible for the content, accuracy, or privacy practices of those sites. Links to external sites do not constitute an endorsement unless explicitly stated.

9. Changes to this disclaimer

We may update this disclaimer from time to time to reflect changes in our services, applicable law, or industry best practices. The current version is always available at rupivo.in/disclaimer. Continued use of the site after any update constitutes acceptance of the revised disclaimer.

10. Governing law

This disclaimer is governed by and construed in accordance with the laws of India. Any disputes arising out of or in connection with the use of Rupivo shall be subject to the exclusive jurisdiction of the courts in India.

See also our Privacy Policy and About page.