Editorial Policy

1. Who writes our content

Every calculator and article is owned by a named editorial desk — Finance, Tax, Health, or coordinated by the Editorial Lead. Each desk has documented expertise, named primary sources, and a published review cadence. No content is published anonymously.

2. How we source numbers

Formulascome from the originating institution — the EMI formula from RBI's Master Direction on Interest Rate on Advances, the BMR formula from the published Mifflin-St Jeor paper, the income tax slabs from the Finance Act of the relevant year. We do not invent math; we cite it.

Rates and limits (PPF rate, repo rate, FD rates, stamp duty percentages) are taken from official notifications: Ministry of Finance circulars for PPF/NSC/KVP, RBI monetary policy statements for repo, state revenue department gazettes for stamp duty. Every rate-sensitive calculator notes the source and the date as of which it is current.

Historical assumptions(12% equity SIP return, 6% inflation, 8% home loan rate) are sourced from long-period data: NIFTY 50 TRI 15-year CAGR for equity, CPI All India for inflation, sample sanction letters from major Indian banks for loan rates. We disclose the data window and source in the relevant calculator's disclaimer.

3. How we verify before publishing

Every new calculator is checked against at least two independent published calculators (typically a bank/AMC official one and a major third-party like Groww or ClearTax) using a standard set of test cases. The math must match within rounding — typically ₹50-100 for loan EMIs, exact for percentage-based calcs.

Every blog post that cites a number includes a source link. Where a rule is ambiguous (e.g., transitional capital gains treatment), we present both interpretations rather than picking one silently.

4. Update cadence

Within 7 days of any official rate or rule change (RBI repo rate, PPF rate revision, Finance Act notification), affected calculators are updated.

Quarterly, rate-sensitive calculators (FD, PPF, NPS, home loan, gold/silver rate) are reviewed against current notifications.

Annually in April after the Finance Act for the new financial year is notified, every tax calculator is refreshed with the new slabs, surcharge tiers, rebates, and deductions.

5. Corrections

If you spot what looks like a calculation error, please email leomultimediaofficial@gmail.com with the URL, the inputs you used, and the result you expected. We acknowledge reader feedback within 1 working day and resolve confirmed errors within 5 working days. Corrections are published with a timestamp and a clear note of what changed.

6. Neutrality and conflicts of interest

Calculatorist is reader-supported through advertising (currently Google AdSense). We do not accept payment from banks, mutual fund houses, brokers, or tax preparers in exchange for favourable mention or ranking. Our content does not include affiliate links to financial products. Where we mention specific institutions by name (SBI, HDFC, Zerodha, etc.), the mention is for factual context — typically rate structure or fee schedule — not endorsement.

7. What we're not

We are not a financial advisor, tax practitioner, or medical practitioner. Our calculators and articles are educational and planning tools. For any consequential decision — actually filing taxes, signing a loan agreement, making a medical decision — verify against the originating authority (your CA, your bank's sanction letter, your physician). Every calculator carries a disclaimer to this effect.

8. Data privacy

All calculations run entirely in your browser. The numbers you enter are never sent to a server, logged, or stored. The only data we collect is anonymous Google Analytics 4 pageview events (no personally identifiable information). See our Privacy Policy for details.