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

Freefincal is a News Media Organization dedicated to providing original analysis, reports, reviews and insights on mutual funds, stocks, investing, retirement and personal finance developments. We do so without conflict of interest and bias. Please see the about page to know more about us and our guiding principles.

In 2021, 3.1 million visitors consumed our articles 5.63 million times (page views). According to SEMRUSH, a popular SEO and marketing tool, we are one of the market leaders in the personal finance space.

Our research is also available through free and paid calculators and online courses. This revenue is used to cover the costs of hosting and managing the website in a non-profit manner.

We are community-driven and community-managed! More than 100 readers have written articles on our site. Many of them wish to remain anonymous, and we respect it. Many members of our community anonymously help with the site’s management as a token of gratitude for its benefit.

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Thanks to our loyal community of readers, Dr M. Pattabiraman (PhD), the founder, managing editor and primary author of freefincal, has been profiled in the Economic Times: Meet Pattabiraman, the man who helps many plan a better retirement through his calculators

Screenshot of the Economic Times featuring Dr. M. Pattabiraman taken on 11th June 2021 at 8 43 am IST
Screenshot of the Economic Times featuring Dr M. Pattabiraman taken on 11th June 2021 at 8:43 am IST

His journey to financial independence has been featured on LiveMint: Light the FIRE and lose the fear of getting fired and Can your FIRE dreams get past the COVID-19 impact?

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In the newsletter, we publish analyses on mutual funds and provide in-depth guides on how you can manage your money on your own.

Here is some of our featured content to help you get started

  1. Use our Robo-advisory Excel Template for a start-to-finish financial plan! More than 1000 investors and advisors use this!
  2. Learn how to manage your portfolio like a pro with our lectures on goal-based portfolio management.  3000+ readers have enrolled! We discuss how you can attain your goals now market.
  3. Increase your income by getting people to pay for your skills! Learn how to build a winning website! How to build passive income! How to get more clients and much more! 700+ readers have enrolled! Pretty much everything I have learned about online income generation, blogging, SEO, and E-A-T (expertise, authority and trustworthiness) in part of this course.
  4. We provide monthly stock screeners, equity mutual fund screeners, debt mutual fund screeners, index fund and ETF tracking error screeners! 

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(1) This is a seminar on the basics of portfolio construction: A guide for beginners

get more details about our Online Course on Goal-based portfolio management

(2) Watch the talk given to World Bank Employees in Feb 2019: Common sense approach to managing money.


(4) Index investing options in India: a talk given to members of the Tamil Nadu Investors Association


(4) Re-assemble is a free step by step guide to help you manage money

Small Re assemble cover - Ebooks by freefincalDownload Re-assemble: Step by step money management basics for beginners

(5) If you are a new mutual fund investor, get this Free e-book: Mutual Fund FAQ 100 essential Q & A for new investors! This will help you invest in mutual funds with focus.

Free e-book: Mutual Fund FAQ 100 essential Q & A for new investors!

(6) Want to know how to retire early in India? Check out the free ebook!

How-to-retire-early-india ebook cover
How-to-retire-early-india ebook cover

(7) We have other books too! Here is the full listing!

(8) We provide a list of mutual funds for specific goals each quarter: Plumbline: Handpicked Mutual funds

(9) Do you want professional financial advice? Consult our list of SEBI registered fee-only financial planners! They will guide you without any conflict of interest.

(10) Other tools are available in the main menu! Check our other free stuff in the page footer! Use the search bar in the footer or page side to explore our site!

(11) We do not offer personal financial advice. If you have a generic investing question, sign up for our email newsletter and hit the reply button!

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About The Author

Pattabiraman editor freefincalDr 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 nine years of experience publishing news analysis, research and financial product development. Connect with him via Twitter or Linkedin or YouTube. Pattabiraman has co-authored three print books: (1) You can be rich too with goal-based investing (CNBC TV18) for DIY investors. (2) Gamechanger for young earners. (3) Chinchu Gets a Superpower! for kids. He has also written seven other free e-books on various money management topics. He is a patron and co-founder of “Fee-only India,” an organisation for promoting unbiased, commission-free investment advice.
  Our flagship course! Learn to manage your portfolio like a pro to achieve your goals regardless of market conditions! More than 3000 investors and advisors are part of our exclusive community! Get clarity on how to plan for your goals and achieve the necessary corpus no matter what the market condition is!! Watch the first lecture for free!  One-time payment! No recurring fees! Life-long access to videos! Reduce fear, uncertainty and doubt while investing! Learn how to plan for your goals before and after retirement with confidence.
Our new course!  Increase your income by getting people to pay for your skills! More than 700 salaried employees, entrepreneurs and financial advisors are part of our exclusive community! Learn how to get people to pay for your skills! Whether you are a professional or small business owner who wants more clients via online visibility or a salaried person wanting a side income or passive income, we will show you how to achieve this by showcasing your skills and building a community that trusts you and pays you! (watch 1st lecture for free). One-time payment! No recurring fees! Life-long access to videos!   
Our new book for kids: “Chinchu gets a superpower!” is now available!
Both boy and girl version covers of Chinchu gets a superpower
Both boy and girl version covers of Chinchu gets a superpower.
Most investor problems can be traced to a lack of informed decision-making. We have all made bad decisions and money mistakes when we started earning and spent years undoing these mistakes. Why should our children go through the same pain? What is this book about? As parents, what would it be if we had to groom one ability in our children that is key not only to money management and investing but to any aspect of life? My answer: Sound Decision Making. So in this book, we meet Chinchu, who is about to turn 10. What he wants for his birthday and how his parents plan for it and teach him several key ideas of decision making and money management is the narrative. What readers say!
Feedback from a young reader after reading Chinchu gets a Superpower (small version)
Feedback from a young reader after reading Chinchu gets a Superpower!
Must-read book even for adults! This is something that every parent should teach their kids right from their young age. The importance of money management and decision making based on their wants and needs. Very nicely written in simple terms. - Arun.
Buy the book: Chinchu gets a superpower for your child!
How to profit from content writing: Our new ebook for those interested in getting side income via content writing. It is available at a 50% discount for Rs. 500 only!
Want to check if the market is overvalued or undervalued? Use our market valuation tool (it will work with any index!), or you buy the new Tactical Buy/Sell timing tool!
We publish monthly mutual fund screeners and momentum, low volatility stock screeners.
About freefincal & its content policy Freefincal is a News Media Organization dedicated to providing original analysis, reports, reviews and insights on mutual funds, stocks, investing, retirement and personal finance developments. We do so without conflict of interest and bias. Follow us on Google News. Freefincal serves more than three million readers a year (5 million page views) with articles based only on factual information and detailed analysis by its authors. All statements made will be verified from credible and knowledgeable sources before publication. Freefincal does not publish any paid articles, promotions, PR, satire or opinions without data. All opinions presented will only be inferences backed by verifiable, reproducible evidence/data. Contact information: letters {at} freefincal {dot} com (sponsored posts or paid collaborations will not be entertained)
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Our publications

You Can Be Rich Too with Goal-Based Investing

You can be rich too with goal based investingPublished by CNBC TV18, this book is meant to help you ask the right questions and seek the correct answers, and since it comes with nine online calculators, you can also create custom solutions for your lifestyle! Get it now.
Gamechanger: Forget Startups, Join Corporate & Still Live the Rich Life You Want Gamechanger: Forget Start-ups, Join Corporate and Still Live the Rich Life you wantThis book is meant for young earners to get their basics right from day one! It will also help you travel to exotic places at a low cost! Get it or gift it to a young earner.

Your Ultimate Guide to Travel

Travel-Training-Kit-Cover-new This is an in-depth dive analysis into vacation planning, finding cheap flights, budget accommodation, what to do when travelling, and how travelling slowly is better financially and psychologically with links to the web pages and hand-holding at every step. Get the pdf for Rs 199 (instant download)