Freefincal turns Five!

Published: May 25, 2017 at 10:02 am

Freefincal was born this week five years ago.  Given my tendency to move from one area to another, I am surprised that I have stuck around for so long. The only reason for that is the support from you – friends, readers and brilliant minds (that rhymes does it not?!)  who have egged me on.  A post to say thank you and a ‘to do’ list for the future.

Born as Free Financial Calculators (at one point, I thought of free only financial planning as a name – yuck!), it then quickly became Personal Finance Calculators and then simply freefincal. Thank god I choose my domain name wisely!

My evolution as a writer must be evident to old readers who still bother to take me seriously. From a lazy blogger who thought about nothing more than posting calculator links, I have gradually learnt about how investors think and tailored posts to discuss real issues that they have. I hope I have not descended into pornography in a attempt to get traffic.

Facebook Group Asan Ideas for Wealth (AIFW) has played a tremendous role in my education. I am not a people person and do not talk much (until I get on stage and then hell breaks loose). So I did not have an understanding of how investors think and act until I became active in AIFW (mid 2013 or so?).

One of my important achievements is to have become persona non grata among members of the financial services (finserv) community, especially mutual fund salesmen and large sections of the media covering finance. Yay!

This is of course because I have banged the drums about direct mutual funds and fee-only financial planning (SEBI registered).  Thanks to you, the noise was heard and propagated. Also the support by an authority and trust figure like Ashal Jauhari (admin of AIFW and my partner in crime for the DIY investor meets) made a significant difference.

One key difference in my approach in the last year or so has been to stop responding to comments made by the finserv community against my stand. Investors are smart enough to recognise common sense when they see it and direct +diy or direct+ fee-only will slowly gain visibility.

Five years, Five million + views (which is not as impressive as it sounds), Two million+ visitors, Five -ebooks (free) and Two Books later (one getting ready to be shipped), this is how the yearly traffic distribution stands

Allow me to take this opportunity to illustrate an important aspect of logarithmic charts.

If I plot in log scale to make the 2012 data visible, I do so at the cost of exaggerating the 2017 (so far) stat. Although it is only about 50% of the 2016 numbers, it appears more in the log scale. Each approach as has its pros and cons.

And this is where they have come from. A not-so diversified portfolio.


So Google sends up to 50% traffic each day. This is the norm for most blogs.

This year the freefincal Q & A – where I answer questions each week – has been well received. I request readers to ask question that are not easy to find. This way I learn and can hopefully share it with others in the community.

Speaking of which, I am glad that the number of guest posts have increased. Calculator enhancements have always been user driven and I hope that will increase in the future.

Thank you all once again. Freefincal is not about “financial literacy” or any any other lofty/condescending goal. I see it as no more than a learning project. As of now, there is a desire to write more. But this is not my passion and I am waiting to transition when I hear the inner call.

A ‘To Do’ List

1: A free Robo advisory template – first in Excel and then on the web. Given myself a month to get this out for beta-testing.

2: I would like to talk to corporate gatherings. So in case you think your colleagues can benefit from a 45 min session, let me know. There is no fee, I just need my expenses covered if it is outside Chennai. Within Chennai, I just need a cup of coffee.

3: Create simulators for volatility management

4: Compile the evolution in our perception in a book. Perhaps I can call it Get Risk Quick and then watch it fail.

5: I have been saying this for months: Make more videos. At least once a week.

6: Discuss hand-on portfolio management with examples.

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

7: Anything else you have in mind?


Announcement: The hardcover of You Can Be Rich Too With Goal-Based Investing  is available for ₹279 (30% OFF) at Flipkart. The Kindle edition(you can use the free app to read it). is available for only ₹90.74.  The Google Play Store edition (read on PC/Tab/mobile) is also available for the same price. Grab them before the offer ends!

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Gift it to your Friends and Relatives whom you care more. Already follower of Pattu and Subra’s forum. Ordered 4 more copies to give gift to my friends and eagerly waiting to read

The best book ever on Financial Freedom Planning. Go get it now!

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The (nine online) calculators are really awesome and will give you all possible insights

Thank you, readers, for your generous support and patronage.

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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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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.

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  1. Congratulations sir.. Your blog and posts made huge impact in the understanding of personal finance.. Your stand on fee only financial planning and promotion of direct plans is commendable and uncompromising.. Keep the good work.. Let there be light..

  2. Glad to have you writing this blog….would be great if you can come to Pune to speak with my colleagues at Schlumberger.

    Many congratulations for completing 5 years.

    One request: can you please feature articles where you take up a person, and discuss his financial planning in detail, including future goals, and how he should plan for them, just like they have those articles in ET.

    1. Thank you. I will be happy to you. You can contact me at freefincal [at] gmail [dot] com and we can take this forward. I dont wish to provide illustrations like that as it is agains DIY. But I can ask my fee-only planner friends to write such posts.

  3. Congratulations on achieving this major milestone. I have been reading your blog last 2.5 yrs and have gained from it tremendously. It has given me confidence to go for DIY mode and in case I have to take the help of a financial planner anytime in future , at least I know how to go about it.

  4. Congrats Pattu on 5 years of Freefincal. I have benefited a lot from your posts and your calculators. Keep up the good work.


  5. Congratulations Pattu sir. I started originally as a follower of your calculators and became critic and now I am your follower.Thanks for enhancing personal finance to a higher level without any hidden agenda.This is very rare nowadays.

  6. Thanks to you I’ve started investing in direct mutual funds. I knew direct mutual funds were there but thought that I’d to go to AMC physically. Now, I invest through AMC websites directly.

  7. Congratulations Pattu Sir… One of my friend Kumar has introduced this site to me and i owe you and him a lot. Keep up the good work and very impressive to do list I like the “A free Robo advisory template” and eagerly waiting for it…. Jai ho…

    Learnt your books and waiting for pre ordered book “The game changer” to reach my hands.

    Be blessed by the Divine and Vaazhga valamudan.

    Thank you so much for everything received so far.

  8. Resp Sir
    congratulations on 5th birthday
    Please focus on concept of Financial Freedom.
    Please update your Freefincal Financial Freedom App available on play store with 4th feature available in Annuity calculators,namely First & last yearly receipts with set parameters of corpus available,return,inflation & duration such receipts are required.
    Ultimate stage in Personal Finance Goals is stage of Financial Freedom,so crucial in contemporary stress filled career .
    All the best

  9. Thank you prof. Learned and continue to learn from your articles. Flow charts for newbies with pointers to your articles will be great.

    1. Thank you. I have kept it simple in GameChanger for newbies. The site is too big and daunting for new visitors. Have to make this better.

  10. You are generous. Thank you so much sir for all the financial knowledge you have provided through your blog. It helped me a lot. Wish you all the best.

  11. I have recently started reading your blog and to summarise: You are a breath of fresh air in an otherwise compromised surrounding. More power to you. Just a small request: We would immensely benefit from specific examples – they can be in the nature of examples of real people and how they can balance their portfolio or some other fund examples. It is better because it helps the readers relate to someone real and feel that the articles are more personal. Cheers!

  12. Hello Pattu,

    I stumbled upon this website around 3 years ago and started investing in stocks, MF, taking up term insurance, medical insurance etc. Your blog was a great stepping stone to my current journey as a value investor. I wish, i could have got this help in the initial part of my career.
    Thank you very much for educating us all.

    Wish your mission for spreading financial literacy, reach greater the coming years.


  13. Your To-Do list should have ‘Take some rest’ … especially after those tiring travel (at odd hours) that you do for the workshops… Similar thing needs to be said to Ashal bhai

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