DIY Financial Planning

Last Updated on September 4, 2018 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. Table of Contents Flagship DIY...

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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.

Want to know how to reduce fear, doubt and uncertainty while investing for financial goals? Sign up for our lectures on goal-based portfolio management and join our exclusive Facebook Community

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

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About the Author

Pattabiraman editor freefincalM. Pattabiraman(PhD) is the founder, managing editor and primary author of freefincal. He is an associate professor at the Indian Institute of Technology, Madras. since Aug 2006. Connect with him via Twitter or Linkedin Pattabiraman has co-authored two print-books, You can be rich too with goal-based investing (CNBC TV18) and Gamechanger and seven other free e-books on various topics of money management. He is a patron and co-founder of “Fee-only India” an organisation to promote unbiased, commission-free investment advice.
He conducts free money management sessions for corporates and associations on the basis of money management. Previous engagements include World Bank, RBI, BHEL, Asian Paints, Cognizant, Madras Atomic Power Station, Honeywell, Tamil Nadu Investors Association. For speaking engagements write to pattu [at] freefincal [dot] com

About freefincal & its content policy

Freefincal is a News Media Organization dedicated to providing original analysis, reports, reviews and insights on developments in mutual funds, stocks, investing, retirement and personal finance. We do so without conflict of interest and bias. We operate in a non-profit manner. All revenue is used only for expenses and for the future growth of the site. Follow us on Google News
Freefincal serves more than one million readers a year (2.5 million page views) with articles based only on factual information and detailed analysis by its authors. All statements made will be verified from credible and knowledgeable sources before publication. Freefincal does not publish any kind of paid articles, promotions or PR, satire or opinions without data. All opinions presented will only be inferences backed by verifiable, reproducible evidence/data. Contact information: letters {at} freefincal {dot} com (sponsored posts or paid collaborations will not be entertained)

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Our Publications

You Can Be Rich Too with Goal-Based Investing

You can be rich too with goal based investingThis 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 custom solutions for your lifestyle! 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 wantThis 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 young earner

Your Ultimate Guide to Travel


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

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Your thoughts are the driving force behind our work. We welcome criticism and differing opinions.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.


  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

  5. Hello Sir, very thankful for your blog and advice. I am a 24 year old and would like to plan my financial goals based on your methods, the problem is I use Ubuntu and cannot open the .exe file. would you mind giving me advice on an alternate way, other software(s), a combination of them or anything else that you think will work, to plan and execute this exercise in as complete a way as possible. I would not mind giving some more time and work towards it. Thank you once again for the advice you give on this blog.

    PS. i had commented some months back asking for advice and you were very helpful. Thanks again for the effort and thanks for starting me on a path to financial planning.


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