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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 developments in mutual funds, stocks, investing, retirement and personal finance. We do so without conflict of interest and bias. To know more about us and our guiding principles, please see the about page.

In 2020, 3.1 million visitors consumed our articles 5.3 million times (page views). As of July 31st 2021, 1.75 million visitors have read our articles 3.4 million times (page views).

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? First things first. Do consider subscribing to our email newsletter using this form.


In the newsletter, we publish analyses on mutual funds and provide in-depth guides on how you can manage your money on your own. Also, you get special discounts on the two courses we run on exclusive Facebook groups!

  1. Learn how to manage your portfolio like a pro with our lectures on goal-based portfolio management.  2525+ readers have enrolled! We discuss how you can attain your goals now market.
  2. 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! 580+ readers have enrolled! Pretty much everything I have learned about online income generation, blogging, SEO, E-A-T (expertise, authority and trustworthiness) in part of this course.

Please do subscribe to our YouTube Channel. It has more than 1000 video versions of our articles.

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

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

(2) Watch the talk I give to salaried youngsters:  Common sense approach to managing money

(3) 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

(4) 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!

(5) 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

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

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

(8) Use our Robo-advisory Excel Template for a start-to-finish financial plan! Now with a new demo video! More than 640 investors and advisors use this!

(9) We provide monthly stock screeners, equity mutual fund screeners, debt mutual fund screeners and index fund tracking error screeners!

(10) 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.

(11) 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!

(12) 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!

Our logo is a mirror reflected % sign. The people represent the community that drives us to produce better content. The % represents investment returns or rewards. The mirror reflected % signifies the importance of considering investment risk. These are two variants of the logo.

freefincal logoFreefincal logo for start here page

Do share if you found this useful

Use our Robo-advisory Excel Template for a start-to-finish financial plan! Now with a new demo video!  More than 640 investors and advisors use this!
Our flagship course! Learn to manage your portfolio like a pro to achieve your goals regardless of market conditions! More than 2525 investors and advisors are part of our exclusive Facebook Group! 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 in an exclusive Facebook Group! 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 585 salaried employees, entrepreneurs and financial advisors are part of our exclusive Facebook Group! 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 in an exclusive Facebook Group!   
My 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, if we had to groom one ability in our children that is key not only to money management and investing but for any aspect of life, what would it be? 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 parent’s 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!
Did you know? We have more than 1000+ videos on YouTube to explore! Join our YouTube Community!

Want to check if the market is overvalued or undervalued? Use our market valuation tool (will work with any index!), or you buy the new Tactical Buy/Sell timing tool!
We publish mutual fund screeners and momentum, low volatility stock screeners .every month.
About the Author Pattabiraman editor freefincalM. Pattabiraman(PhD) is the founder, managing editor and primary author of freefincal. He is an associate professor at the Indian Institute of Technology, Madras. since Aug 2006. Connect with him via Twitter or Linkedin Pattabiraman has co-authored three print books, You can be rich too with goal-based investing (CNBC TV18), Gamechanger, Chinchu Gets a Superpower! and seven other free e-books on various money management topics. He is a patron and co-founder of “Fee-only India,” an organisation to promote unbiased, commission-free investment advice. He conducts free money management sessions for corporates and associations based on money management. Previous engagements include World Bank, RBI, BHEL, Asian Paints, Cognizant, Madras Atomic Power Station, Honeywell, Tamil Nadu Investors Association, IIST Alumni Association. For speaking engagements, write to pattu [at] freefincal [dot] com
About freefincal & its content policy Freefincal is a News Media Organization dedicated to providing original analysis, reports, reviews and insights on developments in mutual funds, stocks, investing, retirement and personal finance. 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, seek the correct 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 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, 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)
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