DIY Financial Planning

This is a category-wise listing of do-it-yourself (DIY) financial planning resources available at freefincal. If you cannot find what you are looking for, try the search option in the middle of the right panel. If it is not there too, please leave a comment.

Flagship DIY Calculators/articles

Contented investing

Contended investing is a style of investing I strongly believe in and would like to promote using this blog. Here are few articles that will explain this idea better.

Insurance Calculators

Follow a ‘Need-based  approach’. One of the most comprehensive available online.

Are you in your 20s, just starting out on a job? Are you married with no children yet? You want to buy a term insurance policy but confused about how much to get insured for?If you have said yes to any of the above questions, here is a simple insurance calculator that would suit you.

This calculator allows you to determine:1. Paid-up value

  1. Guaranteed Surrender value
  2. Special Surrender value

Financial Planning Calculators

Goal-based investing is central to personal financial planning and a key aspect of personal finance. Here is a list of articles, and tools on goal-based investing.

Portfolio Management Calculators

3. DIY Financial Planning Guide

Investment Calculators

List of available investment calculators:


Here is a list of unique loan and mortgage calculators for you to plan your finances.

FD, RD, Debt Mutual Fund

Here is a list of calculators and resources related to fixed deposit (FD), recurring deposit (RD) and debt mutual funds.

1. Fixed Deposit and Recurring Deposit Calculators

2. Debt Mutual Fund vs. Fixed Deposit Calculators

9 thoughts on “DIY Financial Planning

  1. Hello Mr Pattabiraman Sir

    You are indeed a true genius, working at IIT afterall.. In addition, I would genuinely like to thank you for demystifying the world of finace through this indeed exceptional and excellent website… For someone who could never find enough time to penetrate the financial world depths and jargon, this website has helped me understand a fair bit till date.. Also the spreadsheets that you have found time to prepare and share is indeed very generous on your part.

    I was wanting to drop you a feedback since sometime now, but better late than never.. Once again, a heartfelt thank you.

  2. Hi, very informative article.
    I am 28 years old and I am searching for good investment options. I just came to know about peer to peer lending as an emerging platform in India and wanted your views on that.

  3. Sirji,

    It has been over a year since I am reading your blog to plan and implement things towards a better financial life.

    Your blog, Freefincal, the plethora of excel trackers, your book on goal based investing and AIFW have made a big difference in my financial life.

    I keep getting humbled, every time I search your website. It is an endless treasure trove of knowledge.
    Thank you, for being so kind and generous to share this with all of us.

  4. Hi SIr,

    Am following your blog for recent days. Its informative on financial planning and investment planning. My husband is marine engineer, though we plan things and do investment, We often end up with chaos at the end of his leave due to improper planning. As his salary is only for 6 months during his sailing time. It would be great if you publish an article on planning for the same and give insight on the IT for the seafares, as there is still some confusion that their saling period should be more than 182 days per year like that.

    Thanks in advance

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