Disclaimer

General

Everything on TextWonder — the tools, the articles, the worked examples — is provided for general information and convenience. It is written carefully and tested, but it is not professional advice, and it does not know anything about your particular situation.

The sections below are not boilerplate. They cover the specific categories on this site where acting on a number without checking it could actually cost you something.

Financial calculators

The EMI, compound interest, FD, PPF, GST, sales tax, discount, commission and related calculators use standard published formulas. They are useful for estimating and for comparing options.

They are not quotes, and they will not match a lender's or tax authority's figure exactly. Real institutions apply processing fees, insurance, rounding conventions, day-count rules, compounding dates, prepayment penalties and rate revisions that a general calculator cannot know about. Statutory rates — GST slabs, tax brackets, PPF and FD rates — change, and a page may reflect a rate that has since moved.

Use these to get oriented. Confirm anything you will sign with your bank, lender, or a qualified financial adviser or chartered accountant. We are not registered financial advisers and nothing here is investment, tax or legal advice.

Health and fitness tools

BMI, calorie, body-fat, water-intake, ideal-weight and similar tools apply population-level formulas. Those formulas are averages, and averages describe groups rather than people. BMI in particular does not distinguish muscle from fat and misreads athletes, older adults, pregnant people and children.

This is not medical advice, diagnosis or treatment. Nothing here substitutes for a doctor, dietitian or other qualified clinician. Do not start, stop or change any diet, exercise programme or medication because of a number on this site, and do not delay seeking medical advice because of one. If you may be having a medical emergency, contact your local emergency service now.

Academic and student tools

CGPA, GPA, percentage and attendance calculators follow the conversion rules commonly used by Indian and international institutions. Grading schemes vary enormously between universities, and many apply their own weighting, rounding, credit rules and moderation.

Your institution's official result is the only one that counts. Verify against your university's own rules before relying on a figure for eligibility, applications or admissions.

Document generators

Rent receipts, salary slips, experience letters, relieving letters and proforma invoices produce correctly formatted documents from the information you enter. They do not verify that information, and formatting is not legality.

These templates are not legal advice and may not satisfy the requirements of your jurisdiction, employer or tax authority. You are responsible for the accuracy and legitimacy of what you enter and what you do with the result. Creating a document that misrepresents facts — to a landlord, an employer, a tax authority or anyone else — may be an offence. Have anything with legal or tax consequence reviewed by a qualified professional.

File and conversion tools

PDF, image, text and data tools run in your browser. Conversion between formats is sometimes lossy by nature, unusual or corrupt files may not process correctly, and very large files can exhaust the memory your browser is allowed.

Always keep your original file. Because processing is local and nothing is uploaded, we hold no copy and cannot recover anything for you if a conversion goes wrong or a tab closes mid-operation.

Accuracy and availability

We correct errors when we find them, but we do not warrant that every tool, formula, rate or article is accurate, complete or current. Tools may be changed or withdrawn, and the site may be unavailable at times.

If you spot something wrong, please tell us — corrections from readers are genuinely useful and we act on them. The contact page is the fastest route.

External links and advertising

Articles sometimes link to other sites for reference. We do not control them and are not responsible for their content or accuracy. Advertising is served by Google AdSense and selected by Google; an ad appearing on this site is not a recommendation from us.

Limitation of liability

To the fullest extent permitted by law, TextWonder accepts no liability for any loss or damage arising from reliance on any tool, result or article on this site. Your use of the Service is at your own risk, on the terms set out in our Terms of Service.