Editorial Policy

PaisaCalc’s calculators are only as trustworthy as the rates behind them. This page explains exactly where those rates come from, how often we re-check them, and what we do when something changes or turns out to be wrong. Our content is reviewed by Dinesh Babu, Founder & Editor, PaisaCalc.

Two kinds of numbers

Every figure on the site falls into one of two buckets, and we treat them differently:

• Pure-math constants — the formulas behind EMI, SIP, lumpsum, CAGR, XIRR and compound interest. These are standard financial mathematics and never go out of date; only the numbers you enter change the result.
• Policy / market rates — income-tax slabs, the Section 87A rebate, the standard deduction, GST slabs, and small-savings rates (PPF, EPF, NPS, NSC, SCSS, Sukanya Samriddhi). These are set by the government and revised periodically, so we track and re-verify each one.

Where our rates come from

We take policy rates from primary government sources and reputable references, and we record a “last verified” date against each one:

• Income-tax slabs, rebate & standard deduction: the Union Budget / Finance Act and the Income Tax Department, cross-checked against established tax references.
• GST slabs:GST Council decisions (the current 0% / 5% / 18% / 40% structure took effect on 22 September 2025 under “GST 2.0”).
• EPF interest: the rate declared annually by the EPFO / Central Board of Trustees.
• PPF, NSC, SCSS & Sukanya Samriddhi: the quarterly small-savings rates notified by the Ministry of Finance (via National Savings Institute).

How often we re-check

• Income tax & GST: after every Union Budget (around 1 February) and after any GST Council rate change.
• Small-savings rates (PPF, NSC, SCSS, SSY): at the start of each quarter — January, April, July and October.
• EPF: whenever the annual rate is announced (typically February–June).

Rates live in one versioned data file, and an automated watcher flags when a source appears to have drifted from our stored value — so a change is caught and reviewed rather than sitting silently out of date. When we update a rate, we bump the “last verified” date shown on the affected calculator.

Corrections

We aim to be accurate, but rates change and mistakes happen. If you believe a number is wrong or out of date, email us via the Contactpage. We check genuine reports against the official source, correct confirmed errors promptly, and update the verification date. We’d rather fix something quickly than leave a wrong figure live.

Independence & disclosure

PaisaCalc is free to use and supported by advertising. Ads never influence which rates we publish or what our guides say — the numbers come from official sources, full stop. Our content is educational information, not personalised financial, tax or legal advice; see our Disclaimer. For decisions specific to your situation, consult a qualified professional.