About FINNCAL
Real experience. Modern tools. India-first.
The Story
FINNCAL started with a simple family conversation about money.
A group of young developers realized that their parents' generation figured out financial freedom through decades of trial and error — but there was no simple tool to pass that wisdom on. Most retirement calculators gave scary, unrealistic numbers based on Western assumptions that don't apply to India.
With guidance from a family member who built a substantial corpus over 25 years of disciplined investing — single income, no inheritance, just consistency and smart decisions — they set out to build what Indian retirement calculators should have been all along: realistic, honest, and based on how life actually works here.
What We Bring Together
📈 Real Experience
Our advisory team includes someone who actually lived the journey — tracking every rupee for 25 years, navigating Indian markets through crashes and booms, and achieving financial freedom through discipline, not luck.
💻 Technical Skills
Young developers who understand modern UX and believe financial tools shouldn't require downloading Excel spreadsheets. We built FINNCAL to be fast, mobile-friendly, and intuitive.
🇮🇳 India-First Approach
We don't copy Western calculators. We use Indian inflation rates, a 5% Safe Withdrawal Rate (not the US 4%), real city cost data for 62 cities, and the four-bucket approach that reflects how Indian families actually plan.
Our Philosophy
📉 Expenses Don't Stay Constant
Most calculators assume fixed expenses forever. Reality? Your spending reduces 15-35% as you age — housing is paid off, work expenses are gone, kids become independent. We model this.
🔒 Your Data Stays Yours
Privacy first, no tracking, no selling data. All calculations happen in your browser. We believe your financial information is nobody else's business.
🆓 Free Forever (Core Tools)
Everyone deserves to know their Freedom Number. Our core planning tools will always be free — because financial awareness shouldn't have a price tag.
🧠 Experience Over Theory
Built from real experience, not textbook theory. Every calculation, assumption, and recommendation is grounded in how retirement actually works in India.
The Team
We're a small team of developers and finance enthusiasts based in India. Our domain advisor brings 25+ years of hands-on investing experience in Indian markets — real experience navigating everything from the 2008 crash to COVID to modern SIP strategies.
We chose to stay anonymous because FINNCAL isn't about us — it's about giving you the tools and confidence to plan your own financial freedom.
The Data Behind FINNCAL
- Market Returns: NSE Indices Whitepaper (NIFTY 50 Total Returns 2000-2024)
- Debt Returns: RBI 10-Year G-Sec data
- Gold Returns: Multi Commodity Exchange (MCX) Gold prices in INR
- Inflation: World Bank MOSPI India CPI data
- City Data: Field research, government data, and community inputs across 62 cities