Terms & Disclaimer

Acceptance of terms

By using SIP Return Calculator, you agree to these terms. If you don't agree, please don't use the site.

Not financial advice

Every figure this site produces — projected corpus, LTCG/STCG breakdown, tax estimates, and every other output — is an indicative estimate for educational and informational purposes only. We are not a SEBI-registered investment advisor, financial advisor, tax advisor, or research analyst, and nothing on this site is investment, financial, legal, or tax advice.

Actual mutual fund returns, tax liability, and applicable rules depend on market performance, your full financial and tax profile, and regulations in force at the time you invest or redeem. Always consult a qualified financial advisor or chartered accountant before making an investment or tax-related decision.

Accuracy of calculations

Calculations use standard compound-interest formulas and the equity/debt mutual fund tax rules set by Union Budget 2024-25 and unchanged since (verified current as of Union Budget 2026-27), including LTCG/STCG thresholds, the LTCG exemption, slab-rate taxation for debt funds, and the health & education cess. Tax laws and rates may change over time; surcharge is not included in any estimate. We take reasonable care to keep these calculations correct, but we don't guarantee results are error-free, complete, or applicable to your specific situation, and we aren't liable for decisions made based on them.

No warranty

This site is provided "as is" and "as available," without warranties of any kind, express or implied, including fitness for a particular purpose or uninterrupted availability.

Intellectual property

The design, code, and content of this site belong to SIP Return Calculator unless otherwise noted. Please don't reproduce or republish it without permission.

External links

This site may link to external resources (for example, Google's ad settings). We aren't responsible for the content or practices of external sites.

Governing law

These terms are governed by the laws of India.

Changes to these terms

We may update these terms from time to time. Changes will be posted on this page with an updated date at the top.

Contact

Questions about these terms, or anything else, can be raised via the contact form.