Terms & Conditions

By using CalPaisa you agree to these terms. If you don't agree with them, please don't use the website. CalPaisa is free to use and no account is required.

We ask that you use CalPaisa fairly. Please don't:

• Attempt to disrupt, overload or gain unauthorised access to the website
• Scrape or republish the content at scale without permission
• Use the website in a way that breaks applicable law
• Misrepresent CalPaisa results as professional advice or as an official quote

The calculators apply standard mathematical formulas to the values and assumptions you enter. They are informational tools intended to help you explore scenarios and understand the underlying maths. You choose the inputs, and the output reflects those inputs only.

We work to keep the calculations correct according to the methodology shown on each page, and to keep explanations current. Even so, mistakes, outdated rates or rule changes are possible, and results are rounded for display.

You are responsible for verifying important financial information before making a financial decision — with official sources, your bank or lender, tax authorities, or a qualified professional. If you find an error, please report it.

Interest rates, tax rules, exemptions, deductions, scheme terms and product charges change over time and vary between institutions and individual circumstances. Actual figures from a bank, lender, insurer or tax authority may differ from a CalPaisa estimate. Read the Financial Disclaimer for the details.

CalPaisa provides calculation tools and educational content. It does not provide investment, tax, legal or other professional advice, and it does not consider your personal circumstances or objectives. Using CalPaisa does not create an advisor-client relationship of any kind.

The design, text, layout and code of CalPaisa belong to their respective owners and are protected by applicable law. You may use the calculators and read the content for your own personal or internal business purposes. Please ask before republishing substantial portions of the content, and credit CalPaisa with a link where you quote it.

Names of banks, schemes, government programmes and other third parties are used only for identification and remain the property of their owners.

CalPaisa may link to third-party websites for reference. We don't control those sites and aren't responsible for their content, accuracy or practices. Following an external link is at your own discretion.

We aim to keep CalPaisa available and working well, but we can't guarantee uninterrupted access. The website may be unavailable during maintenance, updates or issues outside our control.

Calculators, content and features may be added, changed or removed as the website evolves, and these terms may be updated. The "Last updated" date above is maintained manually. Continuing to use CalPaisa after a change means you accept the updated terms.

CalPaisa is provided on an "as is" basis for informational purposes. To the extent permitted by law, we are not liable for losses arising from decisions made on the basis of calculator results, content on the website, or its temporary unavailability. Nothing in these terms limits liability where it cannot lawfully be limited.

CalPaisa is operated by Omjee Kushwaha, based in Mumbai, Maharashtra, India. CalPaisa is an individually run website, not a registered company, financial institution or licensed advisory service.

Questions about these terms can be sent through the contact page or by email to omjeekushwaha334@gmail.com.