Editorial policy

Tax slabs, rebates, caps and dates are kept in one place, each with a citation to the Finance Act, the Income-tax Act or the tax department's own tables. The current year's figures follow Union Budget 2026 (no change to rates) under the Income-tax Act, 2025, last checked on 13 Aug 2026. Scheme rules and rates set by other authorities (EPFO, the Ministry of Finance for small savings, PFRDA, the GST Council and others, 9 sources in all) are recorded the same way, with the date someone last checked each one.

The calculators, the tax lessons, the worked examples under the main calculators, the tax answer pages and the glossary read their figures from those tables rather than having them typed in, so a rate cannot be right on one page and stale on another. Each rate-dependent calculator shows the date its figures were last checked.

The formulas are tested against the outside world: the tax department's worked examples, scheme rules, published bank and fund illustrations, and closed-form arithmetic. Each Insurance Lab policy page says whether its numbers reproduce the insurer's own brochure illustration, and a policy that does not is never presented as checked. The details are on the calculator methodology and Insurance Lab methodology pages.

Every recorded source has a review cadence (each quarter, each year, or when the authority acts) and a due date. The site's automated checks fail once a due date passes or a quarterly source goes unchecked for too long, so an out-of-date rate fails the build checks rather than going unnoticed. Tax tables are re-checked against the Finance Bill on Budget day.

We have not yet appointed a named reviewer for tax and financial content. When we do, their name, their credentials and the date they checked a page will appear on that page. Until then, no page says it has been reviewed by anyone.

Every calculator and Insurance Lab page has a “Report a wrong figure” link. Reports go straight to the people who maintain the site. When one leads to a fix, the fix is listed on the corrections page with the date it went live, what was wrong and what changed.

BullTimes names no fund, stock, insurer, bank or broker as a choice, and ranks none. Where a page compares two options, such as the old and new tax regimes, it states which costs less on the figures given; it does not say which you should pick, because that depends on facts the page does not have.

The Insurance Lab's AI explanations are held to the same rule: the model is instructed to describe numbers without recommending, and every response is filtered for verdicts before it is shown.

AI is used in four places: the Insurance Lab's plain-language explanations of a policy's numbers; reading insurers' brochures into draft policy data, where a policy page built from it is marked unchecked, and kept out of search, unless its figures reproduce the brochure's own illustration; the tax assistant, whose facts are generated from the same tax tables the calculators use; and drafting help for articles and course outlines in the staff tools.

AI does not compute the figures on a calculator, an answer page or a policy page; those come from the tested code described above. The tax assistant's replies are written by AI and can be wrong, so check anything that matters in the calculators.

Calculator inputs are not sent to our servers unless you choose to save or share a calculation: they live in the page address, which is what makes a result shareable. Analytics record which calculator was used, never what was typed into it. The privacy policy lists what is stored for members who sign in.

BullTimes takes no commission, referral fee or placement payment from any financial institution. The one thing it may charge for is a downloadable Insurance Lab report on a policy whose figures reproduce its brochure. The site carries no sponsored content today; if that changes, this section will say what is accepted before any of it appears, and it will be labelled where it does.