Subhash D
Founder & Software Engineer
Subhash is a software engineer and product builder. He founded WealthCalculator. He works on backend systems and likes to break a problem down to its basics before he builds anything.
He built WealthCalculator after he noticed a problem. Almost every compounding and SIP calculator online ignores inflation. They show you a big future number but say nothing about what that money will actually buy. Every calculator here fixes that. It shows you today's value after inflation right next to the headline number.
His job here is the engineering and the math, not financial advice. Every formula is published on the methodology page. Every default rate comes from a national statistics office or tax authority. You can reproduce every result from its inputs. He is not a licensed financial adviser, so treat this as education and planning, not regulated advice.
Education, not financial advice
Subhash is a software engineer, not a licensed financial adviser. The content here explains the math and shows the numbers so you can make your own decisions. It is not personal investment, tax, or legal advice. Every formula and data source is published on the methodology and data sources pages.
Areas of focus
- Personal finance calculators
- Time value of money
- Inflation-adjusted investing math
- Compound interest
- Software engineering
- Fintech product development
Articles
- How a Step-Up SIP Beats Inflation and Builds More Wealth
- The SIP Trap: Why Most People Quit Right Before Compounding Kicks In
- The Home Loan Myth: Why Paying "Double" for Your House Isn't Necessarily a Bad Deal
- Why Insurance Is Just as Important as Investing
- Why Does Everyone Recommend Index Funds?
- Is a 12% Return Realistic, or Are You Fooling Yourself?
- Why Your SIP Doesn't Feel Like It's Growing (And When It Will)
- Why You Shouldn't Stop Investing When the Market Crashes
- Got a Windfall? Invest It All Now or Spread It Out?
- How Much Emergency Fund Do You Actually Need?
- Should You Pay Off Your Loan or Invest? Here's the Math
- Your Salary Keeps Rising But You Still Feel Broke. Here's Why
- How Much Should You Really Spend on a Car?
- Why Most People Fail at FIRE (And How to Be the Exception)
- The 4% Rule Explained (And Why People Argue About It)
- Is Buying a House Always Better Than Renting?
- Your Money Is Losing Value in the Bank. Here's How Much
- The Return Number You're Using Is Probably Wrong
- How Much Do You Actually Need to Retire?
- Why a 1% Fee Quietly Costs You a Fortune
- Does a Raise Actually Cost You Money? The Tax Bracket Myth
- Start Early With Less, or Wait and Invest More?
- What Savings Rate Do You Actually Need?
- Why Net Worth Matters More Than Your Salary
- The Retirement Risk Almost Nobody Plans For
- Why Your Personal Inflation Rate Beats the Headline Number
Subhash built and maintains all 29 calculators on WealthCalculator. Browse the calculators.