About MoneySutra

Actionable, mathematical personal finance guides and transparent financial calculators for everyday earners. No fluff, no sponsored bias, and no confusing jargon.

Our Story

MoneySutra was founded by Purushotam Kumar out of frustration with how modern personal finance is taught. In most media outlets, straightforward financial facts are buried under high-commission sales pitches, pushy credit card affiliates, or dense regulatory circulars that leave everyday earners guessing.

We watched colleagues get sold 4% return endowment policies disguised as "guaranteed investments," run into revolving card balances because banks bury the compounding APR in fine print, or overpay thousands in taxes simply because marginal brackets were never explained with real math.

MoneySutra was created to be the exact opposite: an independent, calm, and rigorous financial resource. Every formula is spelled out in plain arithmetic, every tax rate is cited from official government gazettes or IRS procedures, and every guide is written for busy people who want to manage their money with clarity and confidence.

Our Mission

MoneySutra was built to solve a simple problem: most personal finance content on the web is either clouded by high-commission sales pitches or obscured by dense regulatory language that leaves real people guessing.

Whether you are navigating India's New Tax Regime, building your first emergency cushion, comparing sovereign savings accounts like PPF and NPS, or calculating federal tax brackets in the United States, our goal is the same: give you the exact numbers, the verified statutes, and the straightforward math you need to make confident financial decisions.

Who We Serve

MoneySutra focuses on two of the world's most dynamic and hard-working salaried populations:

• India: Salaried professionals, first-time earners, and freelancers who want honest guidance on take-home pay, EPF, PPF, NPS, beginner credit cards, and tax optimization under the Finance Act.
• United States: W-2 earners, tech workers, and household planners seeking clear explanations of federal income tax brackets, standard deductions under IRS Revenue Procedures, and savings strategies.

Our Editorial Standards

Every guide and calculation published on MoneySutra adheres to strict editorial rules:

• Verifiable Data: We never estimate or invent tax brackets, interest rates, or contribution limits. All figures are cross-checked against official publications, such as the Internal Revenue Service (IRS), the Ministry of Finance (India), the Employees' Provident Fund Organisation (EPFO), and the Reserve Bank of India (RBI).
• Plain English: We explain complex financial mechanisms — such as marginal tax brackets and statutory lock-ins — in simple terms with step-by-step arithmetic examples.
• Zero Paywalls: All guides, comparison tables, and interactive calculator links remain 100% free and accessible to everyone.

Free Financial Tools

Alongside our editorial guides, we direct readers to free, high-speed calculators including our:

• TaxCalc USA: Instant federal and state income tax estimator for all 50 US states.
• In-Hand Salary Calculator: Precise take-home salary calculator for Indian CTC structures, factoring in standard deduction, PF, and tax regimes.