Some Changes to Freefincal

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A few days ago I moved the blog to for a fee. I then applied for WordAds – the WordPress equivalent for Googles Adsense. WordPress will now run ads in the blog, and I will participate in the earnings (determined by traffic and not by ‘clicks’).

As a result,I was forced to change the blog theme and make other changes in the menu. Further menu/theme changes maybe needed if the ads do not load properly in the current theme. Kindly excuse the inconvenience.

Passive income experiment: When I say, ‘participate in the earnings’, it sounds like a lot. Although it will be in dollars, the ‘earnings’ will be minuscule. I have set 100 $ a year as a reasonable target. So even if a Dollar can fetch Rs. 100, it is not enough to cover my expenses for 15 days!

I debated about running ads in the blog for a long time and finally decided, ‘why not?’. Income from blogging is a terrific form of earning ‘passive income’ not because of the amount earned, but because of the challenges involved. So I see this as a passive income experiment where I show some commitment to the blog and make a few bucks which hopefully will help fortify my commitment. It is of course debatable if such income can be classified as ‘passive’ income. Blogging involves burning more than just a few calories. The classic form of passive income is the rent from property you own but did not pay for (ancestral). That of course is sheer dumb luck.

Is Wordads the best choice? Is WordPress the best choice as domain host? I don’t know. I didn’t make these decisions after careful consideration. I just took the easy way out. Firms like Godaddy probably cover domain hosting for a lower price.

Calculators: A reminder regarding terms of use 

The calculators offered free in this site do not have any kind of sheet passwords. All the formulae used can be seen and can be freely modified. The whole idea of doing is this to point out that most of the time financial math is not that hard.

Copyleft.svgIf you find the calculators useful, you are free to use them in anyway you see fit. Notions of civility and commonsense require that the source be mentioned. I am however not insisting that you do so. That said, if I do see the source mentioned, it would give me immense joy, since I am after all human.

I make the calculators because it gives me joy and keeps my mind distracted from negative thoughts. If others find them useful and If I get to know about it, I am filled with a small sense of contentment that my actions have some meaning.

I may run ads in the site and earn a penny or two (literally!), but the calculators will remain free.

The Future: Soon the semester starts at IIT, Madras and I am due to teach a course. So I expect the frequency of posts to drop from twice a week to hopefully once a week. I already have a backlog of about 5-6 calculator requests. I will clear them one by one.

Other topics: Besides financial calculators and my thoughts on investing, I am thinking of writing an occasional post of non-financial matters. For example, ‘how I lost 25 Kgs without excercise’. Not sure how much readers will like stuff like that here but let me give it a shot.

As always your views are welcome.

Do share if you found this useful

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)
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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. I love the new look of the Blog! And i would love to read occasional posts of non financial matters. I also lost 25 Kgs recently but lost it due to not eating sufficient calories. : )

  2. Hi Pattu,

    The site looks good. I have gained a lot from your blog. Looking forward to more non-financial posts from you. Keep up the good work.

  3. Pattu,
    It is good. It is a kind of exploration. This is one of it. Best wishes to you.
    BTW you may write on NAV policies. Recently I had bitter experience with LIC’s Wealth Plus highest NAV policy. I paid premium in single payment. I had to surrender the policy in halfway. Alas, I got less than what I paid. Though it is expected that the surrender value of a policy will be always less, I was shocked to find that NAV never crossed 10 %. Already the number of units was less, since some charges were taken for life cover. Only bonus would add-up at the end of term. So highest NAV plans are not good at all.

    1. Hi Angs, Thanks. Yes guaranteed NAV or highest NAV plans typically invest in debt instruments which carry some risk. So the NAV will hardly increase too much and sometimes as you have experienced can lead to a loss as well.

  4. Hi Pattu,
    I recently stumbled across your blog from Subra’s and am finding it extremely useful. I am new to investing and just finding my bearings and have already downloaded a lot of useful calculators (not that I have already used them all but I hope to soon). I think that what you are doing is great and wish you all success with this move.
    And as many have already mentioned, I also wouldn’t mind posts of non-financial flavor.


    1. Hi Eswar,

      Thank very much. Do use the calculators when you get the time. I will happy to look into any issues you have with them. As reg. non-financial posts, I thinking of have a separate blog for that and just reblog them at freefincal.

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