— Rohith Surya
Money deserves better education
We wanted to make financial literacy easy and accessible to everyone around the world. Whether we like it or not, money is a part of everyone's life — yet our education system rarely teaches us how to understand it or make it work for us. We can spend years learning Algebra and Science, but somehow never learn the basics of managing money. Our mission is to help everyday people understand money, make smarter financial decisions, and answer one important question: How can I make better decisions with my money?
The same note, worth less every year
A ₹2,000 note doesn't change. What it can buy does. At a typical 7% average yearly inflation, watch its real worth quietly shrink — one year at a time.
Illustrative — assumes 7% average yearly inflation, looping through 30 years. Not the actual ₹2,000 banknote design.
| Years from now | Real worth |
|---|---|
| Now | ₹2,000 |
| 5 yr | ₹1,426 |
| 10 yr | ₹1,017 |
| 15 yr | ₹725 |
| 20 yr | ₹517 |
| 25 yr | ₹368 |
| 30 yr | ₹263 |
Why should I invest?
Two numbers explain the whole case — what inflation quietly takes from you, and what happens to your income when you eventually stop working.
Inflation erodes what your money is worth
Purchasing power of ₹100 today, at 7% average yearly inflation.
| Years from now | Value |
|---|---|
| Now | ₹100 |
| 5 yr | ₹71 |
| 10 yr | ₹51 |
| 15 yr | ₹36 |
| 20 yr | ₹26 |
| 25 yr | ₹18 |
| 30 yr | ₹13 |
Your income won't last as long as you will
A typical monthly income curve — rising through your career, then stopping at retirement.
| Age | Monthly income |
|---|---|
| 25 | ₹50k |
| 35 | ₹90k |
| 45 | ₹1.2L |
| 55 | ₹1.3L |
| 60 | ₹1.3L |
| 61 (retired) | ₹8k |
| 70 | ₹8k |
| 80 | ₹8k |
Know exactly what you can afford
Enter your income, expenses, debt, and savings goals against a purchase price, and get a classified score — from "Cannot afford" to "Very comfortable" — plus a personalized recommendation if it's not there yet.
Try the Affordability IndexCommon questions
Is this financial advice?
No. Finance Fundamentals is a set of calculators, not a licensed advisor — it turns the numbers you enter into a clear score, not a recommendation to buy or not buy.
Is my data saved anywhere?
Only if you want it to be. Sign in and each calculation is saved to your history so you can look back on it later — visible only to you, and you can delete any entry at any time. Without an account nothing is stored.
Do I need an account to use it?
No. The Affordability Index is free and open to everyone — no sign-up, no email. An account only adds saved history and reusable details.
Is it free to use?
Yes — the Affordability Index and every calculator added after it are free to use.
What calculators are coming next?
More are in progress. They'll appear alongside the Affordability Index on the same calculator page.