About EMI Daddy

Hello! I'm the founder of EMI Daddy, and I want to share my story with you because I believe it's a story that millions of Indians can relate to.

The Middle-Class Reality

I come from a typical middle-class Indian family. Growing up, I witnessed firsthand the daily struggles that millions of families face. My parents worked hard, saved diligently, but always seemed to be caught in a cycle of financial stress. Every major decision - buying a home, getting a vehicle, planning for retirement - felt overwhelming and confusing.

The biggest challenge wasn't just the lack of money; it was the lack of financial knowledge. We didn't understand EMIs, interest rates, or how to compare loan offers. We didn't know if renting was better than buying, or whether an electric vehicle would actually save money in the long run. These decisions were made based on gut feeling or advice from relatives, not on actual calculations.

The Wake-Up Call

The turning point came when I saw my parents struggle with a home loan. They had taken a loan without fully understanding the implications of the interest rate and tenure. Years later, they realized they had paid almost double the original amount in interest. That's when it hit me - lack of financial literacy was keeping the middle class trapped in debt.

I started researching, learning about personal finance, and creating simple spreadsheets to help my family make better decisions. The more I learned, the more I realized how many people needed this knowledge. Financial literacy shouldn't be a privilege of the wealthy; it should be accessible to everyone.

The Birth of EMI Daddy

EMI Daddy was born from a simple mission: to make India debt-free and help the middle class start living a rich life within their means.

I wanted to create a platform where anyone could:

• Calculate EMIs and understand the true cost of loans
• Compare different financial options side by side
• Make informed decisions about property, vehicles, and investments
• Plan for retirement and build wealth systematically
• Learn financial concepts in simple, easy-to-understand language

Most importantly, I wanted all of this to be free, private, and accessible to everyone. Your financial data stays on your device. No hidden charges, no data selling, no complicated jargon.

My dream is to see an India where:

• Every family understands their loans - No more paying double in interest because of lack of knowledge
• The middle class lives rich within their means - Not by earning more, but by managing better
• Financial decisions are data-driven - Based on calculations, not guesswork or pressure from salespeople
• Retirement is secure - Everyone has a plan and knows exactly how much they need to save
• Debt is a tool, not a trap - People use loans strategically, not out of desperation

This isn't just about calculators and tools. It's about changing mindsets, building confidence, and empowering people to take control of their financial future.