Built by a banker · 19 years inside the system
Small money decisions compound into a 37× difference.
You skip the boring money stuff. Almost everyone does. The endowment nobody made you question. The SIP set once and forgotten. Together, over a working life, they decide whether you retire rich or just tired.
Free. Ten seconds. Nothing to log in to. The story →
₹10,000 / month SIP · 12% · 20 years
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estimated value ·
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The decisions that actually move a life
SIP
Small monthly amounts become large ones.
₹10,000 a month becomes about ₹1 crore in 20 years. Compounding does the heavy lifting.
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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.
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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.
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SWP
Will your money outlast you?
Withdraw 6% and it can run dry in 25 years. Withdraw 3.5% 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
Where are you on the money milestones?
A 12-question check — one per milestone, no repeats — that places you on a 9-rung ladder from your first ₹1 lakh to financial independence, and names the one move that matters most at your stage.
Find your rung →- 1Your first ₹1 lakh
- 2One month banked
- 3Emergency fund
- 4Term + health cover
- 5No high-interest debt
- 61× income invested
- 71× expenses runway
- 8The crossover point
- 9Financial independence
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. Publishing in batches, 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 guides →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 live, of 300