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.
Free · No login · Nothing for sale
Popular calculators
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 →"Safe" all-FD loses to inflation.
Low risk isn't no risk.
Asset Allocator →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 →A thought, from The Art of Prudence
Start here
The decisions that actually move a life
SIP
Small monthly amounts become large ones.
₹10,000 a month becomes about ₹92 lakh in 20 years. Compounding does the heavy lifting.
Open →
Step-up SIP
A flat SIP is a shrinking SIP.
Raise it 10% a year, the raise you already get, and the corpus nearly doubles.
Open →
Asset allocator
'Safe' all-FD money loses to inflation.
Low risk isn't no risk. A split that actually grows.
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Prepayment
A small extra EMI erases years of interest.
₹5,000 more a month can save about ₹14 lakh on a ₹50 lakh loan. The bank won't remind you.
Open →
SWP
Will your money outlast you?
Withdraw 6% and it can run dry in 25 years. Withdraw 3% and it can outlive you.
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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.
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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, EPF, 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