Retirement Tools

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About the Author M Pattabiraman author of freefincal.comM. Pattabiraman(PhD) is the author and owner of  He is an associate professor at the Indian Institute of Technology, Madras since Aug 2006. Pattu” as he is popularly known, 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. Pattu publishes unbiased, promotion-free research, analysis and holistic money management advice. Freefincal serves more than one million readers a year (2.5 million page views) with numbers based analysis on topical issues and has more than a 100 free calculators on different aspects of insurance and investment analysis. He conducts free money management sessions for corporates  and associations(see details below). Previous engagements include World Bank, RBI, BHEL, Asian Paints, TamilNadu Investors Association etc. Contact information: freefincal {at} Gmail {dot} com (sponsored posts or paid collaborations will not be entertained)
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)

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Content Policy

Freefincal has original unbiased, conflict-of-interest-free,  topical reports, reviews, commentary and analysis on all aspects of personal finance like mutual funds, stocks, insurance etc. All guest authors and contributors to the site also do not have any conflict of interest. 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. No promotional content We do not accept sponsored posts and link exchange requests from content writers and agencies. This is our privacy policy Our website is non-profit in nature. The revenue from the advertisement will only be used for hosting charges, domain registration charges, specific plugins necessary for traffic growth and analytics services for search engine optimisation.

Do check out my books

You Can Be Rich Too with Goal-Based Investing

You can be rich too with goal based investingMy 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 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 WantGamechanger: Forget Start-ups, Join Corporate and Still Live the Rich Life you wantMy 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 young earner

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)

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)

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.


  1. Dear sir,

    Can you consider doing an article for lumpsum vs sip considering a case of one time proceeds which is the case of a inheritance,sale of business etc.


  2. Thanks for your reply. Kindly request you to also consider a case where the inheritance is at a young age and large compared to existing fast do we reach the asset allocation desired?what are the factors to be considered?

  3. Good collection of calculators.

    I have bookmarked page in Pocket for future reference. I will also share this on social media.

  4. Hi
    I am 31 years old
    And I am looking for better retirement planning.
    What do you think I should invest in? P2P or mutual fund?
    Or something else?

  5. Sir request you to post an article about reverse mortgage . How to incorporate that in Retirement Calculation .

  6. Hi Sir,
    This sheet is really awesome and so useful for financial planning.
    I have one question:
    From the sheet step 3, I know the corpus required, how much I should invest in equity/fixed instruments and how to balance the portfolio year on year. If I review after one year or may be 5 years, how do I know my investments have been grown up in track with respect to my goal, i mean the return on investment is as per the inputs mentioned in step 2 sheet.
    Can you please add a column mentioning the minimum value of our investment at the end of each year or percentage of corpus is also fine. This will be helpful for the quick review of our portfolio.

  7. Dear Sir,
    Is there any calculator for persons of middle age 40+ going to receive indexed pension kindly notify

  8. I have been a regular visitor to your site and find it quite useful for analytics of various investments. I really applaud your work and help in these articles. Though I agree that you need to support this site with advertisements, I do find some of them to be distasteful and too intrusive. If I want to download any calculator for instance it not only takes me to the advertisers site but forces me to install their software which appears to be prone to hacking. Due to this I had to back away from downloading anything from this site. I am not sure why you have set it up this way as it could be quite dangerous for people to install software they don’t understand/want.
    I hope this can be fixed.


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