Who we are and who may use the site
CalcTortoise is operated by KRD Technologies, India. You must be 18 or older, or have a parent's or guardian's permission, to use the site.
Using the site
You may use the calculators free of charge for your own personal or business decisions. Please do not try to disrupt the site, overload it with automated requests, or copy it in bulk. We may refuse or block access to anyone who abuses the site.
Estimates, not advice
Results are estimates for information only and are not financial, tax, legal or investment advice. The disclaimer forms part of these terms.
Tax and scheme rules in the India (/in/) and US (/us/) sections of the site are different. Use the section that matches your country.
No warranty
The site is provided “as is”. We try hard to keep it accurate and available, but we do not guarantee that it is complete, error-free, up to date or always online.
Limitation of liability
To the extent the law allows, we are not liable for any loss or damage arising from your use of the site or from relying on its results. Always confirm important figures with your bank, lender, post office or a qualified adviser.
Our content
The text, calculators, charts and design of this site are protected by copyright. You may share links to any page, and quote short extracts with a link back. Please do not republish whole pages or calculators without permission.
Official scheme texts and government notifications we refer to belong to their publishers.
Links to other websites
We link to official and other websites for reference. We are not responsible for their content or availability.
Changes and governing law
We may update these terms; the date below shows when they last changed. These terms are governed by the laws of India.
Last updated .