↳ Disclaimer
Important information
Please read this disclaimer carefully before using any financial tool on ToolBook.
General information only
The calculators, tools, and content provided on ToolBook (toolbook.io) are for educational and informational purposes only. They are not intended as, and should not be construed as, financial, investment, tax, or legal advice.
No professional advice
ToolBook is not a financial institution, tax advisory firm, or investment advisor. The results generated by our tools are mathematical estimates based on the inputs you provide and the formulas documented on our methodology page. They do not take into account your complete financial situation, risk tolerance, or specific circumstances.
Accuracy of calculations
We use published, peer-reviewed formulas and cite our sources for every calculation engine. However, we cannot guarantee that results will exactly match those from banks, financial institutions, or government agencies. Differences may arise from rounding methods, compounding frequency assumptions, fee structures, or regulatory changes that have not yet been reflected in our tools.
Not a substitute for professional advice
Before making financial decisions based on calculations from ToolBook, we strongly recommend consulting with a qualified financial advisor, tax professional, or other appropriate specialist who can evaluate your specific situation.
Tax information
Tax calculations are based on publicly available tax slabs and rules as published by the relevant tax authority (e.g., CBDT for India). Tax laws change frequently. Our tools reflect the most recent published rates at the time of the last update (shown on each tool page), but may not reflect amendments announced after that date.
Investment projections
Tools that project investment growth (SIP Calculator, Lumpsum Calculator, Compound Interest Calculator, etc.) assume constant rates of return. Actual market returns fluctuate and past performance does not guarantee future results. The projections shown are illustrative scenarios, not predictions.
No liability
To the fullest extent permitted by applicable law, ToolBook, its creators, and contributors disclaim all liability for any loss or damage arising from your use of, or reliance on, any tool, calculation, or content provided on this website.
Updates to this disclaimer
We may update this disclaimer from time to time. The latest version is always available at this URL. Continued use of ToolBook after changes constitutes acceptance of the updated disclaimer.
Last updated: May 2026