Welcome to Finethic

Finethic is a welcoming place for everyone — students, first-time earners, professionals, homemakers, business owners, families and retirees — to understand money, plan their own finances and make calmer, better-informed decisions. Wherever you are on your money journey, you can begin right here, in simple language, in English or Hindi, and at your own pace.

Learn the basics, practise for your exams, find out how much cover your family needs, build your plan and watch it on a dashboard, work out your real returns, and compare investment options side by side — all in one place, with no account and no personal details. Here is what you will find.

Learn

Planning basics in plain words, an India-specific money glossary, Myth vs Fact, a knowledge check and links to official sources you can trust.

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Academy

Lessons and videos on planning, insurance, investing and tax, a risk-appetite quiz, the Investor Awareness Test, and practice for the Life Insurance Agents examination.

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Financial Planning

A step-by-step guide, the Finethic Financial Planner with its new Dashboard, and the Human Life Value, Retirement and Return (XIRR) calculators, with a colourful PDF plan.

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Investment Universe

Returns, risks and tax treatment of every major option side by side, plus a Mutual Fund Explorer to see how any fund has really grown.

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News & Content

Headlines from RBI, SEBI and the markets, the Money Term of the Day, scam-safety alerts and our own short articles.

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Contact

Answers to common questions, and an easy way to email us your suggestions, corrections and ideas.

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Try our tools

Simple calculators that work right in your browser. Nothing you type is saved on our servers.

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Financial Planner

Plan goals, savings, insurance and tax, and see it all on your dashboard.

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Human Life Value

Find out how much life cover your family may need.

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Retirement Calculator

Estimate the savings you need for a comfortable retirement.

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Return Calculator

Find the true yearly return (XIRR) of any investment or policy.

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Our promise

Free and open to everyone
No login, nothing stored on our servers
No selling, no partners or commissions
Official sources come first

Learn and plan with confidence

Finethic exists to educate and empower. Everything here — lessons, calculators, comparisons and news — is shared as general information, to help you understand money and plan on your own, at your own pace.

To use it well, please keep in mind:

  • Finethic is an educational, self-service platform. It does not provide personalised investment, insurance, tax, legal or financial planning advice, and it does not act as a SEBI-registered investment adviser, an IRDAI-registered insurance advisor, a qualified tax consultant or a qualified financial planner.
  • Calculators and tools give estimates based on what you enter and on the stated assumptions. Actual outcomes will differ, so please treat results as a helpful guide and not as a guarantee.
  • Returns, rates, tax rules, laws and regulations change from time to time. We rely on official sources and take care to keep information accurate and up to date, but we cannot promise that every detail is complete or current. Please confirm with the official source before you act.
  • Past performance does not indicate future results, and investments are subject to market risks.
  • Nothing here is an offer, invitation or solicitation to buy or sell any product. Mention of any option or institution is not an endorsement, and links to other websites are provided for convenience only.
  • For decisions specific to your own situation, we encourage you to consult a suitably qualified and registered professional. You use Finethic at your own discretion and risk, and remain responsible for your own decisions.

Stay safe: please never share passwords, OTPs, PINs, card or bank details, PAN, Aadhaar or investment information with us, or with anyone who claims to be from Finethic.