Disclaimer
Last updated: May 2026
Summary: CostCraft.in calculators provide indicative estimates for informational purposes only. They are not financial, tax, investment or legal advice. Always verify with official sources or a qualified professional before making decisions.
Informational purposes only
All calculators on CostCraft.in are provided for informational and educational purposes only. They are designed to help you understand approximate figures and think through financial decisions. They are not a substitute for professional advice.
Results are estimates
Calculator outputs are estimates based on the inputs you provide and the calculation methods implemented on this site. Actual amounts — including EMI, salary, tax liability, PF accumulation, gratuity, or any other figure — may differ from calculator results due to lender rules, employer policies, applicable law, interest rate resets, processing fees, and other factors specific to your situation.
Tax calculations may vary
Tax, salary, PF, gratuity, and related calculations depend on the Income Tax Act, Finance Acts, EPFO regulations, Payment of Gratuity Act, and other legislation that may change from year to year. CostCraft.in makes reasonable efforts to reflect current rules but cannot guarantee that every calculation reflects the latest law or circular at all times. Always verify tax-related outputs with the official Income Tax portal, your employer's HR/payroll team, or a qualified tax professional.
Loan calculations may vary
Home loan EMI, prepayment benefit, and related calculations depend on your lender's specific terms, including interest calculation frequency, prepayment charges, processing fees, insurance requirements, and reset dates for floating-rate loans. Calculator results assume standard reducing-balance calculations and may not match your lender's statement exactly.
No professional advice
CostCraft.in does not provide financial, tax, investment, legal, or any other form of professional advice. Nothing on this website constitutes advice, a recommendation, or a solicitation to buy or sell any financial product. You should consult a qualified financial advisor, chartered accountant, or legal professional before making any significant financial, tax, or property decision.
Verify with official sources
Before acting on any calculator output, please verify with: the official Income Tax portal (incometax.gov.in), your employer or HR team, your bank or lending institution, EPFO (epfindia.gov.in), or other relevant official sources.
No liability
CostCraft.in and its operators are not responsible for any financial loss, tax liability, legal consequence, or other harm arising directly or indirectly from reliance on any calculator output or content on this website. Use of this website is entirely at your own risk.
Content may change
Calculator logic, content, and available tools may be updated, modified, or removed without notice. CostCraft.in does not guarantee the continued availability or accuracy of any specific calculator or content.
By using CostCraft.in, you acknowledge that you have read and understood this disclaimer and agree to use calculator outputs only as indicative guidance. If you have questions, contact us at support@costcraft.in.