About · MoneyClarityTech
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. MoneyClarityTech is written from the opposite chair.
Who writes this
MoneyClarityTech is written by a working retail-credit professional in Indian banking — publishing under the brand name, as professional-conduct norms in the banking sector expect. 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 MoneyClarityTech 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 — 17 calculators, checkers and report analysers, among them the All-in-One EMI Calculator, a FOIR calculator that works out loan eligibility the way banks do, a Credit Score Simulator, an income tax calculator for both regimes, and an honest Rent vs Buy calculator. Your numbers never leave your phone.
- Hindi guides — हिंदी लेख on business loans and government schemes, written in plain Hindi rather than translated word for word.
What MoneyClarityTech 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.
How we check what we publish
Rules and figures are checked against the regulator's or government's own text before publishing, worked examples are labelled as illustrations, and every guide shows when it was last updated. Errors are corrected openly. The full method is on the editorial policy page.
Say hello
Questions, corrections, or a topic you want explained? Write to [email protected] or use the contact page.