Last updated: June 2026
Who we are
CalcToPlan is a personal finance education website. We provide free calculators, articles, and planning tools for topics such as SIP, PPF, RD, FD, EPF, NPS, SWP, EMI, gratuity, SSY, retirement planning, child education planning, and other personal finance scenarios. We are not a financial institution, broker, advisor, or regulated entity.
What CalcToPlan is for
This site is for educational and informational use only. The calculators and content help you understand concepts, explore scenarios, and begin planning conversations. They are not a substitute for personalised financial, tax, legal, or investment advice from a qualified professional.
Calculator results are estimates
All results produced by our calculators are mathematical estimates based on the inputs you provide and simplified assumptions. Real-world outcomes depend on many factors outside our control, including market performance, inflation, tax law changes, product terms, fees, lender policies, and government regulations. Small changes in any assumption can significantly alter a result. Do not treat any output as a guaranteed return, loan offer, savings target, or financial recommendation.
Your responsibility
You are responsible for the accuracy of the values you enter. You are responsible for verifying calculator outputs against current product rules, interest rates, tax slabs, regulatory limits, and professional guidance before making any financial decision. CalcToPlan does not take responsibility for decisions made based on calculator outputs.
No professional advice
Nothing on CalcToPlan constitutes financial advice, investment advice, tax advice, legal advice, insurance advice, credit advice, or any other form of professional advice. If you need guidance on a financial decision, please consult a qualified and registered professional such as a SEBI-registered investment adviser, a chartered accountant, or a licensed financial planner.
No warranties
CalcToPlan is provided on an "as is" and "as available" basis. We do not warrant that the site will always be available, error-free, or accurate. We make no guarantees about the completeness, reliability, or fitness of any calculator output for a particular purpose. We reserve the right to change, update, or remove calculators and content at any time without notice.
Limitation of liability
To the fullest extent permitted by applicable law, CalcToPlan and its contributors shall not be liable for any direct, indirect, incidental, consequential, or special loss or damage arising from your use of the site or reliance on any calculator output. This includes — but is not limited to — investment losses, missed opportunities, incorrect tax filings, or financial decisions that did not produce the expected result.
Intellectual property
The content on CalcToPlan — including articles, calculator logic, design, and written explanations — is our original work. You may read and share articles for personal, non-commercial purposes with appropriate credit. You may not copy, reproduce, or republish our content in bulk, embed our calculators on other sites, or use our content commercially without written permission.
External links
CalcToPlan may contain links to external websites for reference or further reading. We do not control those sites and are not responsible for their content, accuracy, or availability. A link is not an endorsement.
Privacy
Your use of CalcToPlan is also governed by our Privacy Policy, which explains what limited information the site may collect and how it is used.
Changes to these terms
We may update these terms from time to time. The "Last updated" date at the top of this page reflects the most recent revision. Continued use of CalcToPlan after any changes means you accept the updated terms.
Governing law
These terms are governed by the laws of India. Any disputes shall be subject to the jurisdiction of competent courts in India.
Contact
If you have questions about these terms, email us at support@calctoplan.com.