About · MoneyClarity
Money content from the other side of the desk.
Most personal finance content in India is written by marketers — people whose income depends on you clicking, buying or borrowing. MoneyClarity is written from the opposite chair.
Who writes this
My name is Chitranjan Sharma. I am a working retail-credit professional in Indian banking. My working day is spent inside home loan files, CIBIL reports, bank statements, sanction letters and credit assessments — the exact documents that decide whether a family gets its loan, at what rate, and with which charges attached.
After years of watching the same avoidable mistakes appear in file after file — a missed EMI that wasn't understood, an insurance premium quietly added to a loan, a charge that could have been negotiated — I started writing the explanations I wished every applicant had read before they walked in.
Everything here comes from patterns across hundreds of real cases. Every identifying detail is removed, always. And to be explicit: views on this site are entirely personal and do not represent any employer or institution.
What MoneyClarity is
- Plain-English guides to loans, credit scores and everyday money decisions — the fine print, read out loud.
- Free tools that run entirely in your browser: Finance Desk (24 calculators), Apna Paisa (a private salary planner), a Credit Score Simulator that shows what actually moves your score, and an honest Rent vs Buy calculator. Your numbers never leave your phone.
- The MoneyClarity Letter — one clear money idea a week, free.
What MoneyClarity is not
This site gives no investment advice. No stock calls, no fund recommendations, no "guaranteed returns", no tips — ever. I am not a SEBI-registered investment adviser or research analyst, and nothing here should be treated as a recommendation to buy or sell any financial product. For personal investment decisions, please consult a SEBI-registered adviser; for tax matters, a qualified CA.
That boundary isn't a legal formality — it's the whole point. Education gives you clarity; clarity is the best interest rate.
Say hello
Questions, corrections, or a topic you want explained? Write to hello@moneyclaritytech.com or use the contact page.