How FinHub is built and maintained
FinHub is an independently built and maintained website. It is not backed by a bank, a lender, a broker, or any financial institution, and it carries no commercial relationship with the products its calculators happen to model. That independence is the point: the arithmetic shown here has nothing to gain from the decision you reach.
How the calculators are built
Every tool on the site draws on one shared library of financial functions rather than each page implementing its own version. An EMI on the home loan page and an EMI on the car loan page are produced by identical code, which means a correction made once is a correction made everywhere, and two pages cannot quietly disagree.
That library is covered by automated tests that check each function against worked examples, including the awkward cases that cause silent errors: a zero interest rate, a single-month tenure, a withdrawal rate that would exhaust a corpus, an income that falls exactly on a tax slab boundary. Formulas follow standard market conventions — reducing-balance interest on loans, monthly compounding for EMIs, quarterly compounding for fixed deposits as most Indian banks apply it, and beginning-of-period instalments for SIPs, matching how mandates are actually debited.
How we check the numbers
Each calculator page states the formula it uses and the conventions it assumes, so the result can be verified independently rather than taken on faith. Where a convention could reasonably be applied either way, the choice is written on the page instead of buried in the code.
The worked examples that appear in the explanatory sections are computed with the same functions that power the calculators, so the narrative figures and the tool cannot drift apart. Tax content is checked against published slab structures, rebate limits, and cess rates, and each tax page lists the provisions it does not model, such as surcharge on very high incomes and marginal relief near the rebate threshold.
What we deliberately avoid
FinHub does not generate leads, rank lenders, run affiliate links, or pass visitor details to financial institutions. No bank or fund pays to be featured, because nothing is featured. There is no signup, and the calculators do not transmit the amounts you enter to a server for storage.
We also avoid presenting estimates as advice. A calculator can tell you what an EMI will be at a given rate; it cannot tell you whether taking the loan is wise for your circumstances. The site is built to inform that judgement, not to replace it.
Known limitations
These are general-purpose tools, and there are real-world complications they do not capture. Loan calculations assume full disbursement on day one, so construction-linked payment plans and pre-EMI interest are outside their scope. Investment projections are pre-tax and assume a constant rate of return, which no market delivers. Tax calculations model the main slab structure, rebate, and cess but not every special provision.
Stamp duty, road tax, and registration charges vary by state and change with local budgets, so those figures should be treated as indicative and confirmed locally. Where a limitation materially affects how a result should be read, the relevant page says so rather than leaving you to discover it later.
Corrections and feedback
If a calculation looks wrong, we want to know. Reports that include the inputs used and the result expected are the most useful, because they allow the case to be reproduced directly. Genuine errors are corrected promptly, and the explanatory content is revised when rules change.
Suggestions for calculators that are missing are equally welcome. The tool set has grown largely from questions people could not find a straightforward answer to elsewhere.