Editorial & Mathematical Standards

1. Editorial Mission & Purpose

Personal finance in India is saturated with high-noise content, emotional stock tips, and aggressive lead-generation platforms that prioritize sales commissions over user well-being. Sanchita exists to provide a serene, mathematically rigorous, and reflective sanctuary where users can model retirement trajectories without pressure or conflict of interest.

2. Zero Commercial Influence Guarantee

We adhere to strict editorial and operational independence:

• No Paid Stock Promotions: We never accept payment, equity, or gifts from companies or asset managers to promote individual equities, mutual funds, or insurance policies.
• No Speculative Crypto or F&O Trading: We focus strictly on long-term wealth preservation, index compounding, and safe withdrawal mechanics.
• Uncompromising Transparency: When external tools or software services are referenced, they are evaluated purely on technical merit.

3. Mathematical Sourcing & Peer Verification

All simulation algorithms on Sanchita are based on peer-reviewed economic and actuarial methodologies:

• Discrete Growing Annuities: Step-Up SIP equations reflect compound growth with annual discrete wage hikes rather than misleading continuous approximations.
• Fisher Inflation Correction: Real return rates strictly apply the Fisher equation (1 + r_nominal) / (1 + inflation) - 1.
• Official Regulatory Alignment: Tax schedules incorporate the latest Finance Act provisions (including Section 112A 12.5% Long-Term Capital Gains tax from the Union Budget 2024).

4. Correction & Audit Policy

Financial regulations and tax laws evolve. If a formula discrepancy or outdated tax provision is identified by our team or submitted by a reader, our engineering governance mandates an investigation and code fix within 48 hours of verification. We publish transparent changelogs in our repository release notes.