How We Build and Check Our Calculators

A calculator is only useful if its answer is right, and on a money site a wrong rate or an out-of-date rule can cost someone real money. This page sets out how we try to make sure ours are right, and what we do when one is not.

Where the facts come from

For any rate, limit, rule or date, we go to the body that sets it and link to that page from ours. For loans that usually means Reserve Bank of India circulars and master directions; for tax, the Income Tax Department and the text of the Income-tax Act; for GST, the CBIC. Electricity bill tools use the tariff order published by the relevant state electricity regulatory commission, and small savings rates come from the official notifications for those schemes.

Some useful figures are not set by any regulator, such as the typical finance charge on a credit card or what a bank charges as a processing fee. For those we use the lender's own published documents, such as its Most Important Terms and Conditions or a sample Key Facts Statement, and we say whose terms they are. We do not take figures from other calculator sites, forums or news reports without checking the original.

If we cannot confirm a figure from a primary source, we do not present it as fact. The page says so, and the figure becomes an input you can change, with a sensible default.

Dates on every page

Every calculator and guide shows the date it was last checked, and statements about current rates say when they applied, for example "as of November 2026". If you are reading a page long after that date, treat any rate in it as something to confirm with your bank or provider.

How a calculator is tested

The arithmetic sits in small, separate functions that we test with values worked out by hand before the page is published. We also check each result a second way. An EMI schedule, for instance, is run month by month to make sure the balance lands on zero and the parts add up to the formula's totals. A converted interest rate is converted back to see that we get the original. Where a regulator or a lender publishes a worked example, the calculator has to reproduce it.

The numbers in our worked examples and tables are produced by the same code that runs the calculator, not typed in separately, so the page and the tool agree. Where we round, we say so; rupee amounts are usually shown to the nearest rupee and rates to two decimal places.

Inputs are checked too. If a combination of numbers makes no sense, such as fees larger than the loan, the tool shows a message instead of a meaningless answer.

When pages are reviewed

Pages are reviewed when the rules behind them change, and on a schedule in between. In practice that means:

• loan pages after each RBI monetary policy decision, since the repo rate feeds into floating loan rates;
• tax-related notes after the Union Budget and again at the start of each financial year in April;
• electricity tools when a state regulator issues a new tariff order;
• savings pages when the government announces small savings rates for the next quarter.

Every page also gets a full read-through at least once a year, whether or not anything has changed. When a review changes a figure, the "last checked" date moves too.

Corrections

If you think something is wrong, email zaibakauser7@gmail.com with the page link and, if you have one, the source that shows the right figure. We check it against the original source. If we got it wrong, we fix the page and update its date. If the mistake could have changed someone's decision, such as a wrong rate or limit, we also add a short note on the page saying what was corrected and when. We do not quietly rewrite history.

Advertising and independence

The site carries ads served by Google AdSense, which pay for hosting and upkeep. Google picks the ads. We do not write sponsored articles, accept payment to mention or rank a lender, or change a calculator's results for anyone. When a page names a bank or card issuer, it is because its published terms make a clear public example, not because of any arrangement with it. If we ever publish anything paid for, it will be labelled as such at the top.

What our pages are not

Our calculators give estimates, and our guides explain how things work. Neither is personal financial, tax or legal advice, and neither is a loan offer. For a decision that matters, check the final figures with your lender or provider and, where the stakes are high, with a qualified adviser. More about who runs the site is on the About page.