Finethic is a free website that helps everyone in India — students, first-time earners, families, professionals, homemakers, business owners and retirees — understand money, plan their own finances and make calmer, better-informed decisions, without logins, without sales pressure, and without handing over personal data.
Most of us are never taught how money really works. We learn it through advertisements, hurried advice and costly mistakes. Finethic was started to change that.
Schools and colleges seldom cover insurance, taxes, investing or retirement. Yet every one of us has to handle all of them, sooner or later.
Good, official information exists, but it is spread across many websites. Finethic brings the useful parts together in one friendly place.
You deserve explanations in simple words, free of jargon and free of any push to buy a product.
Fin stands for finance — the practical side of money: saving, insuring, investing, taxes and planning.
Ethic stands for ethics — the values behind every decision: honesty, transparency, fairness and doing right by yourself and your family.
Together they say what we believe: real wealth is built with sound planning and sound values.
To make financial knowledge and self-planning tools freely available to everyone, whatever their age, income or profession, so that each person can understand their own money and plan their goals with confidence.
A financially aware India where every person and family is adequately insured, invests wisely, avoids scams, and plans for every stage of life — from the first pocket money and first salary to a secure retirement.
Finethic is designed for everyone who earns, spends, saves or simply wants to understand money — students, salaried and self-employed people, homemakers, business owners, families and retirees — with goals such as a home, children’s education, a safe family and a comfortable retirement.
Just starting out? Learn the basics step by step, at your own pace, in English or Hindi.
Check whether your insurance cover and savings are enough for the people who depend on you.
Prefer to plan on your own? Use our planner, calculators and comparisons, or practise for the Investor Awareness Test and the Life Insurance Agents examination.
Each page of Finethic has one clear job. Together they take you from understanding money to planning it.
Financial planning basics, an India-specific glossary, Myth vs Fact, and links to official sources you can trust.
Open →Free courses and videos on planning, insurance, investing and tax, a knowledge check, a risk-appetite quiz, the Investor Awareness Test and practice for the Life Insurance Agents examination.
Open →A simple guide, the Finethic Financial Planner with its Dashboard, and the Human Life Value, Retirement and Return (XIRR) calculators — with a colourful PDF report.
Open →A return comparison across investment options, a plain explanation of each with its tax treatment, and a Mutual Fund Explorer — all in one place so you can compare.
Open →Money Term of the Day, top headlines from RBI, SEBI and markets, scam-safety alerts and our own articles.
Open →Answers to common questions, and an easy way to email us with suggestions, corrections or feedback.
Open →These are the principles we build every page around.
Free to learn and plan. Our learning content, calculators and comparison tools are free for you to use.
No login, no stored data. You never create an account. Finethic does not keep your financial details on any server.
Your data stays with you. The planner lets you save your work in an Excel file that you keep, and re-upload later to continue where you left off.
No selling, no partners. We have no commissions, no tie-ups and no product to push. Options shown are for understanding, never an endorsement of any institution or product.
Official sources first. We point you to RBI, SEBI, AMFI, NPS Trust, NSI and other official sources, and we check our calculations carefully for accuracy.
Simple and warm. Plain language, large readable text, and tools that are easy to operate even if you have never planned before.
Not sure where to begin? Here is a simple path.
Start with the Learn page and read the planning basics, glossary and Myth vs Fact.
Take the knowledge check and risk-appetite quiz, practise for the Investor Awareness Test or the Life Insurance Agents examination, then follow your 4-week learning plan.
Use the Human Life Value calculator, the Retirement Calculator and the Return Calculator (XIRR) to see how much cover and savings you need, and what your investments have really earned.
Open the Finethic Financial Planner, add your goals and liabilities, watch your Dashboard and download your colourful PDF plan. Save your Excel file to continue later.
Visit the Investment Universe to compare returns and understand each option before you decide.
Check News & Content regularly for headlines, the Money Term of the Day and scam alerts.
Clear about what we do, what we do not do, and where information comes from.
No hidden motives. Your interest comes before everything else.
Your financial life is yours alone, so we do not collect it.
Complex ideas explained in the simplest possible words.
Finethic is a self-service website for free learning and self-planning. It is for education and general information only. You use it at your own risk and are responsible for your own decisions.
Finethic will never ask you for any of the following. Please never send them to us or to anyone claiming to be from us:
Thank you for choosing to understand your money better. Whether you are making your first plan or refining an old one, Finethic is here to help you take the next step with confidence.
Have a suggestion, a correction or an idea? We would love to hear from you by email through the Contact page.