As reported earlier, SEBI has included nine freefincal calculators created by M. Pattabiraman in its investor education website. Ms Monika Halan, the SEBI Investor Protection Education Fund Advisory Committee chairperson, suggested including these tools, and the committee inaugurated them on 22nd Nov 2022.
Tutorials for each tool will be made available in the coming weeks. The first tutorial for the cost of delay (in retirement planning) is now available.
These are screenshots of the tutorial and the tool.
The calculator helps to bring out this scary fact: postponing retirement planning is a sure-shot way to lose financial independence in your retirement. The amount needed to save each month would become so huge if postponed by just a few years that it would be impossible to match your expenses in retirement.
Inflation is a very important parameter in financial planning. However, postponement or inaction is the biggest enemy.
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The complete set of tools are
- Net worth calculator
- Life insurance calculators (for earners with and without children)
- Financial goal planner with variable asset allocation
- Monthly investment tracker
- Time value of money calculator
- The true power of compounding
- Impact of 1% (difference in return) calculator
- Cost of delay (in investing) calculator
- Visual goal planning and asset allocation
Link to the calculators at SEBI: https://investor.sebi.gov.in/calculators/index.html. They can be found among some existing tools. This is a screenshot.
The nine calculators are part of the book, You can be rich too with goal-based investing by P V Subramanyam and M Pattabiraman. The tools can also be accessed here: https://freefincal.com/goalbasedinvesting/
If you want Excel versions of these tools plus many other benefits, consider joining the freefincal investor circle. This is a screenshot of the Excel version.
Do give the tools a try. The SEBI team is extremely enterprising and responsive, so they would be happy to make changes if it would benefit many.
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Now watch Let's Get Rich With Pattu தமிழில் (in Tamil)!About The Author
Dr M Pattabiraman giving a lecture
- Dr M. Pattabiraman (PhD) is the founder, managing editor and primary author of freefincal. He is an associate professor at the Indian Institute of Technology, Madras.
- He has over 14 years of experience publishing news analysis, research and financial product development. He has over 28 years of teaching and research experience. He is also a public speaker and keynote presenter.
- He is a patron and co-founder of “Fee-only India,” an organisation promoting unbiased, commission-free, AUM-independent investment advice.
- Connect with him via @pattufreefincal on X LinkedIn YouTube
- Pattabiraman has co-authored three print books.
This book helps you ask the right questions and find the right answers. It also includes nine online calculators to create custom solutions.
(2) Gamechanger: Forget Startups, Join Corporate & Still Live the Rich Life You Want. 
Both the boy and girl versions of "Chinchu Gets a Superpower".
Most investor problems stem from a lack of poor decision-making. We made bad decisions and money mistakes when we started earning, and we spent years undoing them. Why should our children go through the same pain? What is this book about? As parents, what if we had to groom one ability in our children that matters not only for money management and investing but for every aspect of life? My answer: Sound decision-making. So, in this book, we meet Chinchu, who is about to turn 10. The story follows what he wants for his birthday and how his parents plan it, while also teaching him key ideas about decision-making and money management. What readers say! 
Feedback from a young reader after reading Chinchu Gets a Superpower!
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