Disclaimer
App: Smart Financial Calculator Website: MyDailyBytes.com Effective Date: March 24, 2026 Last Updated: April 2, 2026
1. Non-Official Status — Not a Government App
Smart Financial Calculator is NOT affiliated with, endorsed by, or representative of any government entity, ministry, or department of India or any other country.
This app is an independent, privately developed tool by MyDailyBytes.com. It is not an official product of the Government of India, the Income Tax Department, EPFO, PFRDA, Ministry of Finance, or any other government body.
All government scheme names (PPF, EPF, NPS, SSY, NSC, APY, GST, etc.) referenced in this app are used solely for descriptive and educational purposes to help users perform financial calculations. These names are the intellectual property of their respective government departments.
2. Official Government Sources
The calculations in this app are based on publicly available information from official government sources. For the most accurate and up-to-date information, always refer to the original official sources listed below:
| Scheme / Topic | Official Source | URL |
|---|---|---|
| Income Tax (Old & New Regime) | Income Tax Department, Govt. of India | https://www.incometax.gov.in |
| GST Calculator | GST Council, Govt. of India | https://www.gst.gov.in |
| EPF Calculator | Employees' Provident Fund Organisation (EPFO) | https://www.epfindia.gov.in |
| PPF Calculator | India Post / Ministry of Finance | https://www.indiapost.gov.in |
| NPS Calculator | Pension Fund Regulatory & Development Authority (PFRDA) | https://www.pfrda.org.in |
| SSY Calculator | Sukanya Samriddhi Yojana — India Post | https://www.indiapost.gov.in |
| NSC Calculator | National Savings Certificate — India Post | https://www.indiapost.gov.in |
| APY Calculator | Atal Pension Yojana — PFRDA | https://www.pfrda.org.in |
| Gratuity | Ministry of Labour & Employment | https://labour.gov.in |
| HRA Exemption | Income Tax Department | https://www.incometax.gov.in |
| TDS Rules | Income Tax Department | https://www.incometax.gov.in |
| Salary / CTC Rules | Ministry of Labour & Employment | https://labour.gov.in |
We strongly recommend verifying all figures against these official sources before making any financial or tax-related decisions.
3. Not Financial Advice
The Smart Financial Calculator is provided for informational and educational purposes only.
The results, projections, and outputs generated by this tool do not constitute financial advice, investment advice, tax advice, legal advice, or any other form of professional advice.
You should not rely solely on the results from this calculator to make financial decisions. Always consult a qualified financial advisor, tax professional, or legal expert before making any significant financial decision.
4. Accuracy of Calculations
While we make every effort to ensure the accuracy of our calculators, we cannot guarantee that:
- All calculations are free from errors or bugs
- The results reflect the latest tax laws, interest rates, or regulations
- The outputs are appropriate for your specific financial situation
- Results will match those from banks, lenders, or government portals
Tax slabs, interest rates for government schemes (PPF, NSC, etc.), and other regulatory figures are updated periodically by the government and may change without prior notice. We will endeavor to keep the app updated, but always verify current rates from official sources listed in Section 2.
5. No Guarantee of Results
Past performance is not indicative of future results. Projections generated by investment or savings calculators are hypothetical and based on assumptions such as:
- Fixed interest or growth rates
- Consistent contributions
- No withdrawals or penalties
- Stable market conditions
Actual results will differ, potentially significantly, from projected results.
6. Limitation of Liability
To the maximum extent permitted by applicable law, MyDailyBytes.com and its owners, employees, and affiliates shall not be liable for:
- Any financial losses or damages resulting from reliance on calculator outputs
- Incorrect or outdated data used in calculations
- Any direct, indirect, incidental, special, or consequential damages
- Loss of data, revenue, profits, or business opportunities
- Decisions made based on information provided by the App
7. Investment and Market Risk
Any calculations related to investments, stocks, mutual funds, or market-linked instruments are based on assumed rates and do not account for:
- Market volatility and fluctuations
- Economic downturns or crises
- Inflation impact on purchasing power
- Changes in government policy or taxation
- Liquidity risk or early withdrawal penalties
Investments are subject to market risk. Please read all scheme-related documents carefully.
8. Tax Calculations
Tax estimates provided by this App are approximate and may not reflect:
- Your exact tax bracket or slab
- All applicable deductions and exemptions
- State/local/regional taxes
- Recent amendments to tax laws
Always verify tax calculations with a certified chartered accountant (CA) or tax professional, or use the official Income Tax e-filing portal at https://www.incometax.gov.in.
9. Seek Professional Advice
We strongly recommend consulting the following professionals for major financial decisions:
| Decision Type | Recommended Professional |
|---|---|
| Investments | SEBI-registered Investment Advisor |
| Tax Planning | Chartered Accountant (CA) |
| Loans & Mortgages | Bank/NBFC Financial Advisor |
| Retirement Planning | Certified Financial Planner (CFP) |
| Legal/Estate Planning | Solicitor or Legal Advisor |
10. Changes to This Disclaimer
We may update this Disclaimer at any time. The most current version will always be available on this page. Continued use of the App constitutes your acceptance of this Disclaimer.
11. Contact Us
If you have questions about this Disclaimer, please contact:
MyDailyBytes.com Email: mydailybytesofficial@gmail.com Website: https://mydailybytes.com