Calculation methodology

Every calculator on SmartCalculators runs in your browser. There is no server-side computation of your inputs in this release, and values are not stored in a database.

What is included

Each tool uses a documented formula: for example, the future value of a SIP at a constant monthly rate, the standard EMI equation, or compound interest with a chosen compounding frequency. The formula, an example and the main limitations appear on the calculator page.

What is left out

Unless a field says otherwise, models do not deduct expense ratios, exit loads, tax, GST, missed contributions or product-specific charges. Retirement and inflation tools use constant rates that real markets and prices do not follow.

Rates

Where a rate is published by a bank or the government, the field is an assumption you can edit. Configurable rate metadata lives in the project so a later release can attach a source and effective date without rewriting the interface. Until a rate is verified, it is not presented as the current official figure.

Results are planning estimates. They are not a quote from a bank, AMC or tax department.