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Terms and Disclaimer

This site is education, not advice. Please read this before you act on anything here.

Educational use only

Everything on 37xBetter, the calculators, the guides, the The Money Checkup, and the Art of Prudence, is general educational content. It is not financial, investment, tax, insurance, or legal advice, and it is no substitute for a SEBI-registered investment adviser or a qualified chartered accountant who knows your full situation.

The numbers are estimates

Calculator outputs are estimates based on the assumptions you enter. Real returns, rates, and outcomes will differ. Interest rates and tax rules change. Verify any figure with the relevant authority before you act on it.

No adviser relationship

Using this site creates no advisory, fiduciary, or client relationship of any kind. We do not know your circumstances and cannot tell you what to do with your money.

No liability

You use the site and its tools at your own discretion. We are not liable for any loss or decision made on the basis of anything here.

Content

The writing and tools are the work of 37xBetter, for your personal use. Please do not republish them as your own.

Contact and law

Questions: hello@37xbetter.com. These terms are governed by the laws of India. Last updated: August 2026.