Built on Clarity, Not Product Commissions.
The mission of Paise Plan is simple: empower Indian salaried professionals, self-employed creators, and families to make mathematical decisions about spending, insurance, debt, and long-term compounding without high-pressure sales calls.
The Core Conflict in Indian Financial Advice
Why standard bank "relationship managers" and free apps fall short
For decades in India, financial "advice" has been synonymous with product distribution. When an advisor or broker earns upfront and trailing commissions (often 20% to 40% on endowment insurance policies or trailing fees on expensive regular mutual funds), the advice is structurally compromised.
Young Indians were sold low-return ULIPs instead of pure term insurance, advised to stretch into unaffordable 30-year home loans without prepayment roadmaps, and left with zero structured emergency liquidity. We built Paise Plan to decouple unbiased financial mathematics from product distribution.
Our 4 Engineering Pillars
The rigorous principles governing every line of calculation code we write
1. Zero Distribution Conflict of Interest
We do not sell mutual funds, distribute life insurance policies, or broker personal loans. Because we have zero financial stake in whether you pick an Index fund or prepay your home loan, our calculators recommend what mathematically optimizes your net worth.
2. Realistic Indian Economic Context
Generic Western financial calculators use 2% or 3% inflation rates that are disastrous for Indian households. We factor in Indian reality: 6% general CPI inflation, 9% to 10% healthcare inflation, and 10% to 12% higher-education inflation with step-up SIP mechanisms.
3. Privacy by Design (DPDP Act 2023)
We will never ask for your PAN, Aadhaar, or bank net-banking passwords. You do not need to enter your mobile number just to test a calculator. All public calculator modeling executes client-side directly within your browser.
4. Interconnected Decision Logic
No financial decision exists in a silo. Deciding whether to prepay ₹10,000 extra on your home loan or start a SIP depends directly on your emergency fund size, insurance adequacy, and marginal tax bracket. Our engine interconnects every step.
Headquarters & Operational Governance
Company: Paise Plan
Registered Location: Paise Plan, Mumbai, India
Primary Contact: [email protected]
Helpline: +91 80 4567 8900
Paise Plan is an educational technology initiative. We champion the separation of independent advice and product sales. For questions on methodology or to report calculation edge-cases, our quant team is directly reachable.