Kiran PuthezhathFinancial tools & thinking

Independent tools for thoughtful decisions

Financial clarity,
built around you.

Plan retirement, pressure-test assumptions, and make calmer long-term decisions with private tools that explain the thinking behind every result.

Explore the tools How the numbers work
  • Runs in your browser
  • No account required
  • Assumptions made visible

Illustrative plan

Your path to financial independence

Illustrative only
Modelled corpus₹4.1 Crin today’s money
Simulated survival rate86%under stated assumptions
Median projected portfolioAge 38 → 95
Private by designYour financial inputs stay on your device.
Transparent assumptionsReturns, inflation, fees, and risk stay visible.
Built for decisionsClear next steps, not a wall of statistics.

Private decision tools

Start with the decision in front of you.

Test a real-life change or explore a financial scenario. Every tool works locally in your browser.

01

Try it in real life

The Money Experiment

Test one small change for 7, 14, or 30 days. See whether it saves money without making your life more stressful.

  • Record better, okay, or stressful days
  • Measure money and time together
  • Your experiment stays in your browser
Start an experiment
02

Retirement timing

Retirement Timing Lab

Compare your earliest retirement date with working 1, 3, or 5 more years under identical model paths and clear stress tests.

  • Side-by-side retirement dates
  • Early-crash and inflation stress
  • Private, reproducible scenarios
Compare retirement dates
03

Retirement planning

FIRE Planner

Model accumulation, retirement spending, future income, market uncertainty, and sequence risk in today’s money.

  • Monte Carlo projections
  • Fixed or guardrail spending
  • India and international units
Open FIRE Planner
04

Wealth percentile

Personal Wealth Rank

Estimate whether your net worth falls within the Top 10%, Top 5%, or Top 1%, with clear visual thresholds.

Check your wealth rank
05

Indian equities

Stock Screen Builder

Generate disciplined starting screens for quality, value, resilience, dividends, and sensible growth.

Build a stock screen

The thinking behind the tools

Good plans are robust,
not merely optimistic.

Markets are uncertain. Your process does not have to be. Learn how sequence risk, buffers, diversification, and flexible spending can make a financial plan more resilient.

Read the insights

“The goal is not to predict every outcome. It is to build a plan that can survive many of them.”

Kiran Puthezhath

About the maker

Research discipline applied to personal finance.

Kiran Puthezhath holds a master’s degree from NIT Trichy, with research and simulation experience at IIT Bombay.

More about Kiran