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Calculation transparency
Methodology and sources
Every calculator separates deterministic math from user assumptions and time-sensitive rules. The source, effective period, review date, assumptions, and exclusions are shown with the result.
Last reviewed: 10 July 2026
Formula ownership
- Calculator engines live in the shared packages/core module so the web and mobile experiences use the same formulas.
- Priority outputs are covered by deterministic formula and invariant tests, including zero-rate and boundary cases.
- User-facing pages do not silently replace the shared result with route-specific arithmetic.
Assumptions and limits
Projections use the values entered by the user unless a page explicitly displays a statutory, scheme, or market-data default. Returns, inflation, lender rates, taxes, fees, and eligibility can change actual outcomes.
- Formula, methodology, core assumptions, and excluded items are listed on every calculator.
- Tax and government-rate tools display the tax year or effective rate period used by the calculation.
- Results are educational estimates and are not investment, tax, legal, lending, or other professional advice.
Live market data
- Gold and silver use the IBJA 999 India benchmark as the primary source and clearly label global XAU/XAG INR spot data as fallback.
- Quotes refresh hourly. Fresh, fallback, stale, unavailable, and manually edited states are displayed beside the price.
- Retail prices may differ because GST, purity, making charges, dealer spreads, import costs, transport, and local premiums are excluded.
Review and correction
Each calculator displays its last editorial review date. A public correction path is available from every result so formula, source, copy, and accessibility issues can be reproduced and tracked.