How articles are written
We may use AI tools to help with research and first drafts. A draft is never published as it is: the named author rewrites and edits it, checks every fact and figure against the original sources and our calculators, and is responsible for what is published.
How our calculators work
Every calculator uses standard, widely accepted formulas, such as monthly compounding for SIPs and the reducing-balance method for loan EMIs. Each formula is written once, checked by automated tests before every release, and runs entirely in your browser. Every calculator explains its formulas and assumptions in a "How the Numbers Are Calculated" section.
Where our numbers come from
Figures in our articles, such as a target corpus, the interest earned or the tax saved, are computed with the same code that powers our calculators, never estimated by hand. Interest rates and limits for Indian small savings schemes come from Ministry of Finance and India Post notifications and are reviewed every quarter when new rates are announced. Tax calculations follow the Income Tax Act and the Finance Act for the tax year shown.
Independence
SIPCafe is free and funded only by display advertising. We do not publish sponsored articles, use affiliate links or take payment to feature or rank any product, and advertisers have no say in what we write. Ads are shown in separate slots, never mixed into our text.
Updates and corrections
Every article shows when it was published and when it was last updated. We review our content when rates, rules or tax laws change. If you spot a mistake, please tell us through our contact page: we check every report, correct confirmed errors promptly and update the date on the article.
Not financial advice
Our calculators and articles are for education and planning. They are not personalised investment, tax or legal advice, and SIPCafe is not a registered investment adviser. We never recommend specific shares, funds or schemes to buy or sell. Results are estimates based on the assumptions you enter; consider speaking with a qualified adviser before you decide.