Editorial & Sourcing Standards
This page explains exactly how eCalcy creates, verifies, and maintains its financial content. We publish this because transparency is non-negotiable for any platform operating in the finance space, where errors have real consequences.
Who Creates Our Content
All calculator formulas and editorial guides are created or reviewed by the eCalcy Editorial & Research Board — a team of financial technology specialists with 5+ years of experience in investment planning education. Content is never AI-generated and published without human expert review.
Guest contributions are accepted from subject matter experts only. Contributors must provide:
- Full name and professional title
- Verifiable domain expertise (CA, CFP, CFA, or equivalent fintech experience)
- Agreement to our editorial accuracy standards
- Declaration of any conflicts of interest
Primary Regulatory Sources
We source directly from primary government and regulatory documents — never from third-party financial blogs or summaries. The following bodies are our canonical truth:
Review & Update Schedule
After Every Union Budget
AnnualAll Indian tax, FD, and SIP calculators are reviewed and updated within 30 days to reflect new slabs, rates, and deduction limits.
After Every RBI Monetary Policy Meeting
Bi-monthlyRepo rate-linked EMI variables and FD benchmark rates are updated within 72 hours of the RBI's Monetary Policy Committee (MPC) decisions.
When a User Reports a Discrepancy
On-demandAny user-reported calculation error is escalated to our editorial team within 24 hours. If validated, the fix is deployed and the reviewer is credited.
Quarterly Formula Audit
QuarterlyEvery Q1 and Q3, all active calculators undergo a comprehensive audit against official bank-published amortization tables and tax department worked examples.
Commercial Independence & Disclosures
eCalcy may receive referral fees from financial products recommended via our aggregator tools. However, this commercial relationship has zero influence on our mathematical formulas or editorial rankings.
- Affiliate links are clearly marked with an 'Ad' or 'Partner' label
- No financial institution has the ability to alter our calculator outputs
- We do not accept sponsored 'favorable' formula adjustments under any circumstance
- All affiliate partner rates used in calculators are the publicly-posted rates, not inflated promotional rates
eCalcy is NOT a SEBI-registered investment advisor. All content is for educational and planning purposes only. It does not constitute financial, tax, or legal advice. Always consult a licensed CA or SEBI-RIA before acting on any figure above a personal risk threshold.
Our Accuracy Commitment
We benchmark every calculator against:
Found an error? Report it here — we investigate all accuracy reports within 48 hours and will publicly acknowledge the correction.