Terms & Disclaimer

Acceptance of terms

By using Home Loan 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 — EMI, amortization schedules, prepayment savings, affordability estimates, tax benefit projections, and every other output — is an indicative estimate for informational and educational purposes only. Nothing on this site is financial, investment, tax, or legal advice, and nothing here is a loan offer or a guarantee of loan eligibility or approval.

Actual interest rates, EMI, processing fees, eligibility, and terms are decided solely by your bank or lender based on their own policies and your financial profile. Always verify figures with your lender and, where relevant, consult a licensed financial advisor or chartered accountant before making a borrowing, prepayment, or investment decision.

Accuracy of calculations

Calculators use standard reducing-balance EMI formulas and common industry assumptions. We take reasonable care to keep them correct, but we don't guarantee that 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 Home Loan 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 GitHub Issues.