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Financialdiary

About Financialdiary

Hello, I'm Sunil Kumar. I'm a finance professional with more than two decades of experience in shaping financial strategy and helping businesses grow. Financialdiary is where I share what those years have taught me about money.

Rolled Indian rupee notes and stacks of coins
Photo: Unsplash

Who's behind Financialdiary

Sunil Kumar, Founder, Financialdiary

Sunil Kumar

Founder, Financialdiary

My journey

My career began in 2000 as an accountant, shortly after I completed my post-graduation in finance. Since then, I have had the privilege of working with some of India's leading companies, which gave me exposure to many industries and many ways of managing money.

Over the years I moved into senior leadership roles. Today I serve as the Chief Financial Officer of a well-established organisation.

My work has always been about more than managing numbers. I have streamlined systems, introduced new processes, secured funding for growth and guided businesses towards lasting success.

What I believe about money

Those experiences shaped a simple belief: finance is not just about accounting. It is about enabling decisions, building resilience and creating opportunities.

I believe finance isn’t just about money; it’s about choices, freedom, and building the life you want. My goal is to help you see money not as a burden, but as a tool — one that can create opportunities, stability, and growth.

Why Financialdiary

Financialdiary is my way of giving back. It is a place to share my passion for finance and investing, and to show how much difference an informed decision can make.

Here I explain financial ideas in plain language, one at a time, with examples in rupees. You will find guides on saving, investing, loans, tax and planning; calculators that show every step of their working; and free Excel templates for budgets and net worth. I will also break down market trends and share practical approaches that professionals, investors and learners can apply in their own lives.

What you will not find here is personalised advice or tips on what to buy. My aim is to help you understand your options well enough to make your own decisions, or to ask better questions to a qualified adviser.

Thank you for being here. I look forward to sharing, learning and growing together.

Sunil Kumar

Mission and vision

Our mission
To make personal finance understandable for every Indian household, with clear explanations, accurate tools and honest guidance about what each choice involves.
Our vision
A country where every family can read a loan offer, a payslip or an investment statement with confidence, and plan its money around its own goals.

Why financial awareness matters

  • Decisions compound

    A small difference in an interest rate, a fee or a habit grows into a large amount over 10 or 20 years, in either direction.

  • Products are getting more complex

    Loans, insurance plans and investment products come with features, conditions and charges that are easy to miss in the fine print.

  • Fraud targets the unprepared

    Knowing how genuine products and regulated entities work makes it easier to spot offers that are too good to be true.

  • Confidence changes conversations

    When you understand the basics, you ask better questions of your bank, your employer, your adviser and your family.

What you'll find here

  • Articles

    Income tax, mutual funds, loans, budgeting, government schemes, insurance and planning, explained with worked examples.

    Read the articles (21)

  • Calculators

    SIP, EMI, income tax, FD, PPF, retirement and more. Each one shows the formula, the assumptions and a full breakdown.

    See all 13 calculators

  • Excel templates

    Free budget, net worth and loan schedule spreadsheets with the formulas already in place.

    Download templates (3)

  • My finances

    A private diary for income, expenses, budgets, investments, loans and net worth. Being built for the next phase.

    Get notified

Our commitment to clear and responsible education

  • Plain language

    We explain one idea at a time and define financial terms the first time we use them.

  • Accurate and dated

    Every guide shows when it was last updated. Tax rules, limits and scheme rates are taken from official sources and linked.

  • Calculators that show their working

    Each calculator states its formula and assumptions and is tested against worked examples before it is published.

  • Clear labels

    Examples, sample figures and any sponsored content or affiliate links are labelled where they appear.

  • Corrections

    If we get something wrong, we fix it and note what changed and when.

Education, not personalised advice

Financialdiary explains how money and financial products work. It does not know your full situation, and nothing on this site is a recommendation to buy, sell or hold any product.

What we do

  • Explain concepts, rules and products in general terms
  • Show how calculations work, with stated assumptions
  • Point you to official sources so you can check
  • Help you prepare better questions for a professional

What we don't do

  • Tell you which fund, stock, policy or loan to choose
  • Review your portfolio, tax return or insurance needs
  • Promise returns, or predict markets or rates
  • Replace a qualified, registered professional

For advice on your own situation, speak to a qualified professional: a SEBI-registered investment adviser for investments, a chartered accountant for tax, or a licensed insurance adviser for cover. You can check whether an investment adviser is registered on the SEBI website.

Contact and collaboration

We read every message. We can't answer questions about your personal finances, but we're glad to hear what you'd like us to explain next.

  • General questions and feedback

    Questions about the site, suggestions for guides or calculators, or anything that was unclear.

    sunilsinbox@gmail.com

  • Report a mistake

    Tell us which page, what looks wrong and, if you can, the official source. We review every report.

    sunilsinbox@gmail.com

  • Collaboration

    Educational partnerships, financial literacy programmes for schools, colleges or workplaces, and media enquiries.

    sunilsinbox@gmail.com

  • Write or review with us

    Chartered accountants, registered advisers and finance educators who would like to contribute or review guides.

    sunilsinbox@gmail.com

Please don't send account numbers, PAN, Aadhaar, passwords or OTPs. We will never ask for them.