About

About 37xBetter

Built by a banker, for the person on the other side of the counter.

For nearly two decades I have worked inside the Indian banking system, across branch counters from metros to small towns, and in retail banking. That is a long time spent watching, up close, how financial products are actually built, marketed, and sold to ordinary people.

What I kept seeing was a gap. The system runs on complexity and inertia: fixed deposits that auto-renew below inflation, flat SIPs that shrink in real terms every year, and "guaranteed" plans that turn out to return about 5% once you do the honest maths. The people paying for these were rarely careless. They were busy, and they trusted the person across the table.

37xBetter is my attempt to even the odds, a little. Not stock tips, not trading strategies. Plain-English calculators, and a few honest beliefs about money, so you can run the numbers yourself before you sign anything.

The name is the promise. Improve your money decisions by 1% a day, and across a working life it compounds to a 37x difference. Wealth is not built through heroics. It is built through small, boring, correct decisions, repeated.

Where this comes from

The tools here are built on real experience, not theory alone:

19+ years in Indian banking. Branch management across metro, semi-urban and rural postings, and retail banking. A clear, ground-level view of how products reach the retail customer.
NISM Investment Adviser, Level 1 and Level 2. The market regulator's certification for investment advice.
CRISIL ONE Wealth Management certified.
Post Graduate Diploma in Financial Advising (IIBF), now offered as the institute's Advanced Wealth Management programme.
The goal after banking: an independent, fee-only advisory practice. Advice you pay for directly, with no product to sell you.

The one belief underneath all of it: money is the only kind of wealth you can outsource. Your health, your relationships, your peace of mind, and your career are the kinds you cannot. Every calculator here is built to hand back the one you can, so you keep more attention for the four you cannot.

Everything is free. There is nothing to log into, and nothing on this site is for sale.

You should always be able to run the numbers yourself before you sign the paperwork.

Start with the calculators →

37xBetter is an independent, educational project. Everything here reflects personal views and mathematical models for financial literacy. It is not investment advice, and it does not represent the views of any employer or institution. Always verify any figure with the relevant authority or a qualified CA or SEBI-registered investment adviser before acting.