Editorial policy
We help you make your own decision with your own numbers. We don’t push any product, and we work hard to get the facts right.
What every guide shows
- Who wrote it, and who checked it. Guides on tax, credit and banking rules are checked by a qualified person: [reviewer roles — TBD, e.g. chartered accountant, former banker].
- The date of the last check, and the tax year or period it covers.
- “Facts valid until”, when we know a rule will change on a certain date.
- Sources. We use official ones first, such as the Reserve Bank of India, the Income Tax Department and EPFO.
- A way to tell us about a mistake.
How we write a guide
- We start from a real question that people ask.
- We collect official sources. An old blog post is never proof of today’s rules.
- We write our own example in rupees. We don’t copy anyone’s text, stories or pictures.
- We work out every number again with a computer script, and keep the script.
- A reviewer checks what we say about money and the law.
- A native speaker checks the text in each language.
- We link the guide to a tool, so you can try it with your own numbers.
Every guide ends with a step you can take today without buying a financial product.
How our calculators work
Each tool explains its formula, what it assumes and what it can’t do (see “How we calculate this” on the tool).
All tools share one set of calculations. It has a version number and the date of its rules. Before a new version goes live, it must pass a fixed list of test cases.
If a number you need to enter is unknown, the tool says “We need more information”. It never guesses in your favour. And if a rule isn’t confirmed for the period you chose, the tool says it can’t calculate that yet, instead of quietly using an old rule.
How we keep pages up to date
When we know a rule will change on a certain date, we mark the page and review it before that date. We check rates and lender details when we publish, then every month, and at once if a regulator changes the rules. Tax pages are updated whenever tax rules change, for example after the Union Budget. Guides that don’t depend on changing rules are checked at least every six months.
Mistakes
When we get something wrong, we fix it quickly and openly. Big corrections are listed with their date in our Corrections log.
Who pays us
Paisavy earns nothing from lenders, insurers or investment apps, and the people who fund us have no say over what we publish. See About & funding.