Twelve mutual funds you don't remember buying. ESOPs you're scared to touch. A home loan decision you keep postponing. Let's untangle it — in plain English, one honest conversation at a time.
You're great at your job. But personal finance was never part of the syllabus — and the advice online is either too basic or trying to sell you something.
SIPs started on five different apps, half of them overlapping. You can't tell what you own or whether it's working.
A big chunk of net worth tied to one stock — and total confusion on vesting, selling windows and the tax bill.
Prepay or invest? ₹1.5Cr or ₹2.5Cr? The EMI math is clear; the life-impact math isn't.
You know it'll cost a fortune in 12 years. You don't know how much to put away today, or where.
"Am I on track?" is the question no calculator quite answers for a 40-year-old in tech.
Old vs new regime, capital gains, NPS, the works — quietly leaking lakhs every year without a plan.
I don't sell products, earn commissions, or push insurance you don't need.
This is financial education — the same way you'd learn anything else complex: clearly, with someone who's done the homework.
✓ Not satisfied after our session? Just ask — I'll refund you, no questions asked.
100%of the conversation is about your situation, not a product brochure.
Most "advice" starts with a product. We start with what you actually want — then build the money plan backwards from there. Every rupee gets a job.
The buffer that lets you take risks elsewhere — and survive a layoff.
NowHow much house, how much loan, prepay or invest — modelled to your numbers.
2–7 yrsA target corpus and a monthly number that actually gets you there.
10–18 yrsThe "how much is enough" number, and whether you're on track.
15–25 yrsSabbatical, second home, that big trip — planned, not guilt-funded.
FlexibleA relaxed 30-minute conversation over Zoom or Google Meet. You tell me what's on your mind; I tell you honestly whether and how I can help.
We lay everything out — investments, ESOPs, loans, goals — and find the few changes that actually move the needle.
A simple, written summary you understand and can act on. No 40-page report nobody reads.
Real conversations, real clarity. Here's what people say after a session.
"Add a real client quote here — ideally about a specific outcome, e.g. cutting 14 funds down to 5 and finally understanding their ESOP tax."
"Add a real client quote here — what did they feel stuck on before, and how did the session help?"
"Add a real client quote here — a line about your honesty / no-product-pushing approach works well."
"Add a real client quote here — a home-loan or child-education decision they finally felt confident about."
"Add a real client quote here — retirement / financial-independence clarity is a great theme for this one."
For years I watched brilliant engineers and product folks — people who optimise systems for a living — leave their own finances on autopilot. Overlapping funds, untouched ESOPs, no plan for the goals that mattered most.
Clean Your Finance is where I share what I've learned, in the same plain language I'd use with a colleague over coffee. No jargon, no products, no pressure — just clarity.
Follow along as I write about real money decisions for tech families across India and abroad on LinkedIn and X.
No. I don't sell financial products and I don't earn commissions. This is education and clarity — the goal is that you understand your own money well enough to make confident decisions.
Clean Your Finance currently shares financial education and general information — not personalised, regulated investment advice. I'll always be upfront about what I can and can't do, and point you to a SEBI-registered adviser when specific, regulated advice is what you need.
It's genuinely free and there's no catch. It's a 30-minute conversation to understand your situation and see if I can help. No obligation, no hard sell.
Absolutely. Every session happens online over Zoom or Google Meet, so I work with tech families anywhere in India and NRIs across time zones. Location doesn't matter.
Yes. NRIs face their own tangle — Indian mutual funds and stocks, NRE/NRO accounts, repatriation, double-taxation questions and goals split across countries. We sort through it the same plain-English way, online.
It's almost never too late, and "a mess" is the most common starting point. The first step is simply seeing everything clearly — we go from there.
Start free. Go deeper only if it's genuinely useful to you. Everything happens online over Zoom or Google Meet.
Educational clarity sessions — not regulated investment advice.
Pick a time below. We meet over Zoom or Google Meet — no pressure, no products.
Want a deeper paid session instead? Book a Finance Cleanup Session →
Or email hello@cleanyourfinances.com