Tool

Freefincal: goal-based planning and calculators

M. Pattabiraman · Freefincal Free Beginner India

A no-nonsense, ad-light India personal-finance site: plain math and free calculators for emergency funds, goals, and asset allocation, with no product to sell you.

Open on freefincal.com ↗

Curated reading that points you to the sources, not personalised investment advice.

It answers 62 questions

  1. How much should I pay myself as a founder?
  2. How big should my emergency fund be when my income is lumpy?
  3. How do I start diversifying when most of my wealth is illiquid?
  4. Where should I keep cash I might need in a year?
  5. How often should I review or rebalance my portfolio?
  6. What insurance does a founder actually need?
  7. Do I need a will, and what about nominees?
  8. Should I buy a house while I'm building a startup?
  9. Should I angel invest while running my own startup?
  10. How much of my money should be in crypto or gold?
  11. Do I need a wealth manager, or can I do this myself?
  12. How do I actually start a SIP in India?

And 50 more across the hub.

Read with it

  1. The free, India-first grounding in what to do with cash once you have it: goals, allocation, SIPs, and not losing it to fees. Zerodha Varsity Course Personal Finance Zerodha Varsity
  2. The best reminder that avoiding ruin beats chasing returns, and that wealth is the money you don't spend. The whole founder... The Psychology of Money Book The Psychology of Money Morgan Housel
  3. A trusted India-first place to compare funds and think about where cash goes once you have some to invest. Value Research Tool Value Research: fund research and planning Value Research
  4. The market regulator own free investor-education portal: unbiased basics on investing, mutual funds, and avoiding scams, with... SEBI Guide SEBI Investor Education portal SEBI
  5. A practical India-first reference for keeping personal and company finances (and their tax) cleanly separate. ClearTax Article ClearTax: personal and business tax guides ClearTax
  6. The mutual fund industry body investor corner: fund basics, NAVs, and how SIPs work, straight from the source. AMFI Guide AMFI: mutual fund investor resources AMFI
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