You can now subscribe to ad-free freefincal articles!

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Many readers have suggested that I introduce a paid, but ad-free way to read freefincal articles. So here it is! No one likes ads and some of my oldest readers will tell you that the site was ad-free for a long while and I even tried crowdfunding but that not enough to manage hosting costs (which keep increasing due to traffic), domain fee, plugin fees, email sending costs, software and data. And I am not counting the internet costs. computer usage and my time and effort.

So ads are the simplest and practical solution. To every reader who has complained that the ads are annoying, I have recommended the use of ad-blockers. In fact 40% of all freefincal traffic use ad-blockers.  Well, it is what it is and I personally do not a choice or problem with this arrangement.  Readers, however, want a choice and I am ready to offer it to them.

Some readers have told me that they feel guilty for using ad-blockers. Yes, that is justified guilt as 60% of the traffic is paying for 100% of costs. So they want a way to pay and read freefincal content. Other readers have said that they do not want to use ad-blockers and want to pay for ad-free content.

Okay, if that is what some of you want, then I am happy to offer a choice. Let me see how many will take it up.

Ad-free freefincal newsletter

If you subscribe to this, you can read all posts (after you sign up) ad-free right from your inbox. This is how the post would look like in mobile (partial snapshot)

ad free freefincal newsletter mobile version


This is how it will look like on a desktop (partial snapshot).

desktop version of the ad free newsletter


I publish about 250 posts a year and I estimate the cost per user, per ad-free email as Rs. 12. So the subscription fee is Rs. 3000 per year.

Essential points about the ad-free newsletter (Read before you sign up!)

  1. This is not a premium newsletter. The content will be the same as what will be available at freefincal but without ads
  2. Only posts published after you subscribe will be available ad-free for a year from the date of purchase. To continue, you will have to renew.
  3. To access old articles, you will have to visit the site.
  4. You can only read the ad-free posts in your inbox. If you delete the mail, you lose that article forever. I will not send it again.
  5. You cannot get a refund if you wish to be removed from the mailing list anytime after you sign up.
  6. You can only pay once in advance.
  7. Do not ask for a monthly payment option. That is just too much work and I am not interested.
  8. You cannot get a refund or discount if for some reason I am unable to publish content regularly or not at all or if the site is shut down or for any other reason.
  9. You cannot get a refund if for some reasons ads are removed from the site or fewer ads are shown
  10. you cannot get a refund for any other reason!
  11. If for some reason, within a month from now (12 Dec 2018), I find that the arrangement is not working out or emails are not getting sent properly, I reserve the right to stop this service and refund the full amount (in this case, I may require your bank details for the transfer)
  12. Although I shall strive to keep the renewal fees the same for some time, I cannot guarantee this. The same applies to the initial sign up fee as well.
  13. Mails will be sent from It is your responsibility to add this address to the list of your contacts and check if the ad-free post has been sent to spam 
  14. If you have not received post emails after sign up, it is possible that your mail client is refusing to accept emails from the above email. You can solve this by sending an email to that address.
  15. It is better to use a personal email for signing up.
  16. Note that emails with full HTML content may be sent to spam especially in popular services like Gmail. If you add it to the inbox from spam or add the above email to your contacts, then this may not happen. In any case, I have no control over this
  17. Video links on youtube will not be visible in the newsletter. The plain youtube link will be seen and you can navigate to that.
  18. If for some reason, the images are not seen clearly, you can click on the image to see a clear version.
  19. After you sign up, I shall send you a welcome email  (within a day) with the last published post in ad-free format. You can then add the email to your contacts and/or unjunk the mail from your spam folder.
  20. The emails will be sent from the freefincal server and there can be delays and at times when emails not getting sent. I shall keep an eye out for this and sort them out asap.
  21. The ad-free newsletter does not entitle you to anything other than the newsletter. I am not obliged to respond to your emails unless they are about the service itself.

People crib a lot about everything. Let me see how many of them actually sign up for this.

IMPORTANT: By signing up for the ad-free newsletter, you agree to not share the emails sent with anyone!

Organisations cannot sign up for this for distribution among members or employees.

This is for individual use only

Click this link to sign up for ad-free newsletters by paying Rs. 3000

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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.

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