Welcome-to-freefincal

Welcome. Whether you are new to freefincal and/or new to personal finance and money management, I sincerely hope you find this site useful.

pattu-600dpiHi, My name is  Pattabiraman and this is my website. I am an associate professor of Physics at IIT, Madras. I was drawn into the world of personal finance by accident when I found myself in debt trying to handle a family medical emergency. That story is detailed here: The Financial Arrow of Time.

Trying to set my finances in order, I started making calculators for planning for financial goals.  Freefincal was started as a repository of free personal financial calculators when I realised that many people wanted to use such calculators.

The site which is completely non-profit in nature has now grown into a blog which offers analytical tools, analysis, research, perspective and opinion on various aspects of personal finance.

final-coverA good chunk of my research along with nine online calculators are part of a new book that I have co-authored with PV Subramanyam (subramoney.com): You can be rich too with goal-based investing

The freefincal community comprises of readers, friends and well-wishers.

The community supports Do-it-yourself (DIY) investors manage their finances. It also supports  financial advisory free from conflict of interest.

This is the logo of the site. It an inverted percentage symbol. The people represent the readers who support freefincal in various ways via constructive criticism. Some of them have been kind enough to support the site via a monetary contribution.

freefincal-new-logo-4

I along with Ashal Jauhari (Facebook group Asan Ideas for Wealth admin) and other invited speakers conduct not-for-profit investor workshops around the country.

(I) Here are a few posts with which you can help you get accustomed to what freefincal is all about.

How to get started in money management

Personal Finance Self Evaluation Checklist

How to fortify your financial castle

How to Buy a Term Life Insurance Policy

(II) Featured content, like creating your own financial plan, mutual fund selection guide and some of the most popular posts can be found in the right sidebar.

(III) You can also check out the free E-book: DIY Personal Money Management

(IV) Please use the search feature on the right sidebar to search past posts if you have a specific requirement.

(V) You can also access the entire by using the widget on the right.

(IV) If you have a calculator idea, or you like me to blog about a topic, you can contact me:

freefincal [at] gmail [dot] com.

I hope you find the content useful. I look forward to your participation.

Please consider subscribing to future posts by email using the pop-up window on the right.

 

Install Financial Freedom App! (Google Play Store)

Install Freefincal Retirement Planner App! (Google Play Store)

book-footer

Buy our New Book!

You Can Be Rich With Goal-based Investing A book by  P V Subramanyam (subramoney.com) & M Pattabiraman. Hard bound. Price: Rs. 399/- and Kindle Rs. 349/-. Read more about the book and pre-order now!
Practical advice + calculators for you to develop personalised investment solutions

Thank you for reading. You may also like

About Freefincal

Freefincal has open-source, comprehensive Excel spreadsheets, tools, analysis and unbiased, conflict of interest-free commentary on different aspects of personal finance and investing. 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. We do not accept sponsored posts, links or guest posts request from content writers and agencies.

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.

19 thoughts on “Welcome-to-freefincal

  1. tapan sengupta

    I am new in
    - new in mutual fund
    - new in transaction on-line with Bank

    I could not enter the request to participate in the DIY workshop in Bangalore on 23rd. Is there any way to pay the amount on cash in the venue? Also since I am new in Mutual fund arena, I hope to benefit from from the workshop.

    I could not run the excel sheets downloaded e.g. fd-calculator-effective-no-of-days-in-a-year.xlxm ? Have I missed something ?

    tapan sengupta

    Reply
  2. Anon

    I once read that this blog doesn't support any ads at all.

    But today Iam seeing lot of ads. Is the mind behind freefinal.com left or what happened?

    Reply
    1. freefincal

      Unfortunately, the ads are necessary to cover increasing hosting, maintenance and newsletter fees. Not a decision we are proud of, but there it is. More details about the nature of the ads can be found in privacy policy page.

      Reply
  3. Sondhi.V

    Sir,
    I am mew to mutual fund investing.I have started an SIP in Franklin India Smaller Companies Fund Direct Growth since 2014.
    Please advice me how to calculate the the profits generated out of this SIP.

    Reply
  4. HARI SINGH

    I have 2 queries about SCSS (Senior Citizen Saving Scheme).
    1- Can I open two separate SCSS account of Rs 15 L each ,one in my name and other in the name of my wife (senior citizen and house wife) from my Retirement Corpus?
    2-Can I re-open two separate SCSS account of Rs 15 L each as above after completion of maturity of 8 years of accounts mentioned against s.n. 1 above?

    Reply
  5. Indrajeet

    Can you please create a full featured tracker of all our investments (with goal linking) and daily expenses in a single excle.
    Like you have
    1. a daily expense tracker
    2. An Integrated financial planner (Recurring, non-recurring goals and Retirement)
    3. Goal Tracker where MF transation can be uploaded.
    4. Retirement calculator with EPF input

    Can all these be integrated into one single file? I mean an excel file where everything will be available. That is
    1. One will be able to calculate the Required Life Insurance, Retirement Calculations, Recurring & Non-Recurring goal planner (exactly like the Integrated Planner)
    2. We can input all our MFs (SIP & Lumpsum) and tagged them with each goal (The Goal Tracker)
    3. We can also input the PPF, EPF, RD, FD, debt instrument etc if any and can link them with goals(either short term or long term or emergency fund)
    4. One can input the current health and term insurance and it will reflect the additional requirement if any.
    5. One can enter his/her salary/gross monthly income and the monthly expenses catagory wise (household/rent/emi/insurance premium/etc). The investment will be linked to it so that after everything(expenses and savings) the surplus will be shown.
    6. A graph represent of the debt/equity/gold/real state etc investment ratio can be seen.
    7. The ratio of the current investment (debt/equity/etc) linked to each goal can be seen. So that rebalancing may be done as per that.
    And many more....
    An updated all-in-one Tracker cum Calculator.. It would be highly obliged if you create such.

    Reply
    1. freefincal

      You can do this yourself! Use the insert sheet feature from Excel. There should simple examples online.

      Reply
  6. Indrajeet

    I am very bad in excel. Except simple work I dont know much about it.
    How can I do it myself?
    Pls guide.

    Reply
  7. Ritesh

    Hi,

    New to this forum and it's very informative. I was going through 'https://freefincal.files.wordpress.com/2012/12/how-to-choose-a-mutual-fund.pdf' and follow the steps but couldn't find 'long term performance'. Am I missing something?

    Reply
  8. P.Srinivasulu

    As a retired person,I find this blog informative and useful for people like me. I dint know this earlier. .Tools of financial planning should be learnt by every person as soon as he starts earning.I would even suggest that this is taught from the secondary school level or college level at least. I congratulate you for creating this awareness to people thro' this blog!1 shall bethankful if you can send to my mail id given below the interesting articles on the subject =especially on topics like NPS ,Mutual fund selection etc,

    Reply
  9. sudhir gupta

    the article was very informative.i have a query. which form should i use for filling long term capital loss and where it is to be filled.

    Reply

Do let us know what you think about the article