Terms & Disclaimer

Not financial advice

This is the part that matters most. The calculators on this site are arithmetic tools. They apply a published formula to numbers you supply and display the result. They do not know your income, debts, dependents, tax position, health, or goals, and nothing they output is a recommendation to save, spend, invest, or withdraw.

Nothing on this site constitutes financial, investment, tax, or legal advice. It is not a substitute for advice from a qualified professional. Before making a financial decision, consult a SEBI-registered investment adviser or another appropriately licensed professional who can assess your circumstances.

The projections are simplified

Every projection assumes a constant rate of return, which no real investment provides. The calculators deliberately do not model:

• Inflation, so withdrawals stay fixed in nominal terms
• Tax on interest, dividends, or capital gains
• Year-to-year variation in returns, including sequence-of-returns risk
• Fees, charges, exit loads, or transaction costs
• Any additional income, contributions, or one-off expenses

These limits are documented on the calculator page. Results are illustrative estimates, not forecasts, and actual outcomes will differ — often materially.

Accuracy

The arithmetic is tested and the method is published so you can check it. Even so, the tools are provided "as is" without warranty of any kind, express or implied, including any warranty of accuracy, fitness for a particular purpose, or uninterrupted availability. If you find an error, please report it.

Limitation of liability

To the maximum extent permitted by law, Runway Labs accepts no liability for any loss or damage — including financial loss — arising from use of, or reliance on, this site or its calculators. You are responsible for your own financial decisions.

Acceptable use

You may use these calculators freely for personal and commercial purposes. You may not attempt to disrupt the site, use automated systems to overload it, or republish the tools as your own product. Linking to any page is welcome and needs no permission.

Intellectual property

The text, design, and code of this site are the property of its operator. The underlying financial mathematics is, of course, public knowledge and belongs to no one.

External links and advertising

This site displays third-party advertising and may link to external sites. Their content is not under my control and I do not endorse it. Advertisers have no influence over the calculations or the editorial content.

Governing law

These terms are governed by the laws of India.

Changes

These terms may be updated; the date at the top reflects the latest version. Continuing to use the site means you accept the current terms.