Disclaimer

No Investment Advice

All information provided by FUMONEY — including financial fitness scores, FIRE corpus calculations, goal-based SIP projections, and AI-generated insights — is for informational purposes only. These are mathematical projections based on assumptions and user-provided data. They should not be treated as a substitute for professional financial advice.

Assumptions & Limitations

Our calculations use the following default assumptions which may differ from actual market conditions:

• General inflation: 6% per annum
• Education inflation: 9% per annum
• Medical inflation: 11% per annum
• Equity returns: 12% per annum (pre-tax)
• Debt returns: 7% per annum
• FIRE multiplier: 30x annual expenses

Actual inflation rates, investment returns, and economic conditions may vary significantly. Past performance does not guarantee future results.

AI-Generated Content

The AI Decision Simulator uses large language models to generate scenario analysis and advisory text. While we strive for accuracy, AI-generated content may contain errors, hallucinations, or outdated information. Always verify important financial decisions with a qualified professional.

SEBI Compliance

FUMONEY does not recommend specific stocks, mutual funds, or financial products. We do not earn commissions or referral fees from any financial product. Our recommendations are limited to general asset allocation strategies (equity, debt, gold) based on risk profile assessment.

Consult a Professional

Before making any financial decisions — including but not limited to investments, insurance purchases, loan decisions, or retirement planning — consult a SEBI-registered investment advisor or a qualified financial planner who can provide personalised advice based on your complete financial situation.

No Warranty

The Service is provided "as is" without warranty of any kind, express or implied. We do not warrant that the calculations will be error-free, uninterrupted, or that the results will meet your specific requirements.