19 years inside the system · The story →
Free money tools that tell you the truth.
Plain-English guides and calculators for salaried Indians. Spot mis-selling and reach financial independence. Built by a banker who has seen enough mis-selling to hate it.
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Your "guaranteed" endowment really pays about 5%.
Endowment, money-back, guaranteed-income or whole-life. See the real IRR after tax and inflation, and whether to keep or surrender a plan you already hold.
Endowment Returns →A small extra EMI erases years of interest.
The bank won't remind you.
Loan Prepayment →A flat SIP is a shrinking SIP.
Raise it with your salary.
Step-up SIP →Name the goal. Get the monthly number.
Investing without a target is drifting.
Goal planner →Surrender the policy, or keep it?
Judge it on what it pays from today.
Surrender check →Why this site exists
Most bad money decisions in India start the same way.
Someone sold you a product that was wrong for you. Often they did not even know it was wrong, because they were sold it first. That one wrong product, left in place for years, is what separates retiring comfortable from retiring tired.
Small money decisions compound into a 37x difference.
How mis-selling really works, one floor up from the counter →Open till 25 October 2026: IRDAI is asking policyholders what they think about insurance commissions. See what it found and send a ready comment →
A thought, from The Art of Prudence
Start here
The decisions that actually move a life
Surrender or keep your policy?
A bad policy to buy is not always a bad policy to keep.
Put in your insurer's figures and see what continuing, going paid-up or surrendering pays from today.
Open →
Endowment or term plus investing?
One guaranteed plan, worked through.
A plan paying 5.15% a year against 7.1% tax-free, and the four cases where the plan wins.
Read →
Prepay the home loan or invest?
The rate your investments have to beat.
On an 8.5% loan, investing wins only above about 8.7% a year after tax.
Read →
PPF vs ELSS vs NPS
Which one, in which tax regime.
In the new regime, ELSS has no tax edge left. Here is what does.
Read →
The Money Checkup
Thirteen questions, about two minutes.
Find the lowest rung you have not finished. That is where your next rupee belongs.
Start →
Endowment returns
Your 'guaranteed' endowment really pays about 5%.
Plug in premium and maturity. See the real IRR, and the gap versus an index fund.
Open →
2-minute check
How healthy is your money?
Thirteen questions, then a read on your money from four angles: what to fix next, the years of financial freedom you have earned, where you stand, and the one move that matters now.
Take the checkup →- 1What to fix next
- 2Years of financial freedom you have earned
- 3Where you stand, relatively
- 4The one move that matters now
Twenty everyday calculators, done cleanly
India-focused defaults. PPF at 7.1%, EPF at 8.25%. No login. Run the number before you sign the next one.
Investments & growth
See how compounding builds wealth, and how much you need to invest to hit a goal.
Government & bank savings
PPF, FD and RD, with current Indian rates, tax notes, and real maturity.
Loans
Know the EMI before you sign. Then see how a small extra payment erases years of interest.
Retirement
Find the corpus you'll need in India, and whether a withdrawal rate will actually last.
Insurance
Size pure term cover properly. See what a 'guaranteed' endowment really pays.
Budgeting
Give every rupee a job, and size the fund that lets you sleep.
New · The Art of Prudence
A 1647 field manual on power, reputation and prudence, rebuilt for your workplace.
Gracián's 300 maxims: his words, a plain reading, the practical moves, and the honest trade-off every time. All 300 live now, free to read.
Open the maxims →“Money is the only wealth you can outsource. The maxims train the ones you cannot.”
Plain-English guides
All reads →The power of step-up SIPs
The 10% trick that nearly doubles your corpus, using the raise you already get.
The 3% rule for Indian retirees
Why the American 4% rule can bankrupt an Indian retiree, and what to use instead.
3 questions before you sign a policy
They stop almost every mis-sale. Ask them out loud, in the room, before you sign.
calculators, India-tuned
from ₹1 lakh to independence
Gracián maxims, all live