Editorial Policy
Calcnomy publishes calculators and guides for money decisions in India. This page sets out the standards every page has to meet before it is published, and what we do when we get something wrong.
Independence
- Calcnomy is independent. It is not owned by a bank, lender, fund house, broker or insurer.
- No company pays to change a calculator, a result, a rate table or the order in which lenders appear.
- The site is funded by advertising. Any sponsored placement is labelled as sponsored and never changes a calculation or a ranking. See Advertise.
How a page is made
- Start from the reader’s question. We look at what people in India actually search for on a topic, and build the page around those questions, with a direct answer first under each heading.
- Read what already ranks. We study the pages that already appear for the topic, note what they all cover and, more importantly, what all of them leave out or get wrong. A new page has to add something.
- Get the facts from the source. Rules, rates and limits come from the sources listed below, in that order of preference.
- Calculate every number. Every EMI, maturity value, tax figure and comparison on a page is computed in code before it is published, using the same formula the calculator uses. Worked examples state their inputs so you can reproduce them.
- Edit for plain English. One idea per sentence, no filler, no unexplained jargon. Amounts are in rupees, lakh and crore.
Sources we use
- Official sources: the Income-tax Act and CBDT notifications, CBIC and the GST Council, RBI, SEBI, PFRDA, EPFO, the Ministry of Finance’s small savings notices and India Post.
- Lenders’ own rate cards and terms for bank and NBFC interest rates and charges.
- Recognised data publishers such as NSE Indices for index returns, AMFI for mutual fund data and SEBI’s own studies.
- Rate aggregators and news reports, only when an official page cannot be read, and always named on the page with the date of the figure.
When a figure comes from a source other than the official one, the page says so. Rate tables show the source and the date each figure was checked.
Tools we use
We use software, including AI tools, to research topics, draft text and run calculations. Nothing is published until every rate, rule and figure on the page has been checked against the sources above and every calculation has been run.
Dates on our pages
- Published is when a guide first went live.
- Updated is the last time its content was revised. We do not change the date without changing the content.
- Last reviewed, on calculator pages, is when every rate, slab and example on that page was last re-checked against official sources.
Rates that change on a schedule, such as small savings rates and the repo rate, are kept in one place and updated for the whole site at once. How we check rates lists each one, its source and when it was last checked.
What our pages are not
Our calculators and guides are not reviewed by a chartered accountant, CFA or other licensed professional, and they are not personal financial, tax or legal advice. They give estimates and explanations to help you plan and compare. Confirm final figures with your bank, employer or a chartered accountant before you act.
Corrections
When we find or are told about an error, we check it against the source and fix it. Errors in a figure, rule or statement are listed on our corrections page with the date, what was wrong and what changed. Routine updates, such as a new quarterly rate, are not listed there.
Found a mistake? Email [email protected] with the page, what it says, what you believe is correct and a source if you have one. We read every report.
How the calculators themselves work, and what they assume, is explained on the methodology page.