Paisa Stack exists because most personal finance content in India assumes either total ignorance or a finance background — and almost nobody fits neatly into either box. It's built for the gap in between: people who are genuinely sharp, capable, and good with numbers at work, who simply never had a reason to learn tax law, loan amortization, or how HRA exemption actually gets calculated.
Pankaj is a Chartered Accountant with 12 years of experience in finance and wealth management, currently associated with Spade Financial Services. Alongside running Paisa Stack, he works as a quant trader and manages a family office, with a background that spans wealth management, international taxation, and statutory audit. He studied at the University of Delhi and is based in Delhi.
Tripti is a Chartered Accountant with 5 years of experience in taxation and finance operations, and also manages a family office. Together with Pankaj, she brings the day-to-day technical tax and compliance knowledge behind the accuracy of every calculator, ebook, and figure on this site.
Why Paisa Stack exists
Most personal finance content in India is written either for complete beginners or for people who already speak the language of finance fluently. Between a Chartered Accountant's technical fluency and a salaried professional's genuine numeracy, there's a real, underserved audience — and that gap is exactly what Paisa Stack is built to close, using the same rigor we'd apply to a paying client's return, just written in plain language.
What you'll find here
Free calculators for the moments that actually confuse people — tax regime choice, salary structure, property purchases, loans, and long-term savings schemes. Short, practical ebooks. Free downloadable trackers. And paid help — a direct consultation, or done-for-you filing services — for anything that needs a real conversation instead of a calculator.
What this isn't
This site is a planning aid, not a substitute for personalised professional advice. Every calculator is built to be accurate for the general case, but your specific situation can have details a general tool can't account for. See the Disclaimer for the full picture.