About freefincal

Welcome to freefincal. This is a description of what we do and how we can help you with your personal finance, DIY investing and money management.

What we do

Freefincal has open-source, comprehensive Excel tools, analysis and unbiased, conflict of interest-free commentary on different aspects of personal finance, DIY investing and money management.  While the calculators cannot replace professional financial advice. However, the possibilities they offer enable you to test different scenarios and zero-in on the one best-suited for you. Hopefully, they will help in understanding the interplay between the different factors that influence a financial decision.

  • The excel-based calculators offered in this platform are free.
  • They represent a work in progress. Although complete at each stage new elements/aspects may be offered in future. Please note the version number of the file and changes mentioned.
  • The excel files are not password protected. You will be able to see the formulae used. This means when you use it you should take care to not change the contents of the cell with formulae. Be sure to enter date in the bright green cells only
  • Always remember to keep a backup of the original file you downloaded (don’t assume this site will be up forever!)
  • Read the instructions carefully. If you don’t understand any of the entries write to us: freefincal [AT] gmail [DOT] com
  • We appreciate feedback about how to make the associated description better to understand.
  • While we support and encourage DIY investing, we also support conflict of interest-free, fee-only financial advisors who are registered with the Indian regulator SEBI.

Why we do it

  • Generic advice on personal finance should be mathematically consistent
  • Math or no math it is PERSONAL finance and not personal FINANCE


 We do not offer any kind of investment advice.  We also do not work with content writers.

The calculators are independent of currency. A few calculators may express results in Indian Rupees (Rs.). Ignore it or change it to your currency.


The contents of this website, calculators and all articles (written by us and by guest authors) do not constitute investment advice or a solicitation to buy or sell securities, mutual funds etc. Any or all the results and predictions of the articles may be proved wrong by future unforeseen movements in markets. Use the material at your own risk and consult your financial advisor and exercise your own due diligence before making any investment decisions

New users can start here:

A guide to using freefincal

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Contact us

Dear Reader, if you have any questions, suggestions, or feedback, feel free to contact us. We would love to hear from you.

Email:  freefincal [AT] gmail [dot] com

Note: We do not offer any kind of investment advice.  We also do not work with content writers.

Kindly do not send guest post requests, link exchange requests, sponsored posts or advertising requests. We will not respond to such messages.

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You will get the full post-ad-free delivered to your inbox for Rs. 3000 a year. Follow this link to read the terms and sign up! 
Want to conduct a sales-free "basics of money management" session in your office?
I conduct free seminars to employees or societies. Only the very basics and getting-started steps are discussed (no scary math):For example: How to define financial goals, how to save tax with a clear goal in mind; How to use a credit card for maximum benefit; When to buy a house; How to start investing; where to invest; how to invest for and after retirement etc. depending on the audience. If you are interested, you can contact me: freefincal [at] Gmail [dot] com. I can do the talk via conferencing software, so there is no cost for your company. If you want me to travel, you need to cover my airfare (I live in Chennai)

Connect with us on social media

Do check out my books

You Can Be Rich Too with Goal-Based InvestingYou can be rich too with goal based investing

My first book is meant to help you ask the right questions, seek the right answers and since it comes with nine online calculators, you can also create customg solutions for your lifestye!Get it now.  It is also available in Kindle format.

Gamechanger: Forget Startups, Join Corporate & Still Live the Rich Life You Want

Gamechanger: Forget Start-ups, Join Corporate and Still Live the Rich Life you want My second book is meant for young earners to get their basics right from day one! It will also help you travel to exotic places at low cost! Get it or gift it to a youngearner

The ultimate guide to travel by Pranav Surya

Travel-Training-Kit-Cover This is a deep dive analysis into vacation planning, finding cheap flights, budget accommodation, what to do when travelling, how travelling slowly is better financially and psychologically with links to the web pages and hand-holding at every step.  Get the pdf for ₹199 (instant download)

Create a "from start to finish" financial plan with this free robo advisory software template

Free Apps for your Android Phone

All calculators from our book, “You can be Rich Too” are now available on Google Play!
Install Financial Freedom App! (Google Play Store)
Install Freefincal Retirement Planner App! (Google Play Store)
Find out if you have enough to say "FU" to your employer (Google Play Store)

About Freefincal

Freefincal has open-source, comprehensive Excel spreadsheets, tools, analysis and unbiased, conflict of interest-free commentary on different aspects of personal finance and investing. If you find the content useful, please consider supporting us by (1) sharing our articles and (2) disabling ad-blockers for our site if you are using one. We do not accept sponsored posts, links or guest posts request from content writers and agencies.

Blog Comment Policy

Your thoughts are vital to the health of this blog and are the driving force behind the analysis and calculators that you see here. We welcome criticism and differing opinions. I will do my very best to respond to all comments asap. Please do not include hyperlinks or email ids in the comment body. Such comments will be moderated and I reserve the right to delete the entire comment or remove the links before approving them.