⭐ Inner Circle — Members Dashboard
Welcome back to your financial home
Everything built for UK Indians managing money across two countries. All your tools, deep dives, and portfolio updates — in one place.
Founding Member
£9.99
locked in forever
Tax & Planning
Understand your money across both countries
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DTAA Tax Estimator
UK salary, India income, mutual fund gains, rental income. See exactly what you owe where and what DTAA saves you. England/Wales and Scotland rates.
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Retire in India vs UK Calculator
How much do you need to retire in each country? What does your UK pension convert to in rupees? All in one calculator built for your situation.
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Education Fund Calculator
UK university vs India university — what do you need to save, starting today, to cover your child's education costs in either country?
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Emergency Fund Calculator
How much do you need in reserve — in the UK and in India? Calculated in both currencies, for both lives, in one view.
Wealth & Investments
Track everything, across both countries
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Dual Money Dashboard
Your UK and India investments side by side, in real time, with live GBP/INR conversion. ISA tracker, CGT exposure, LTCG badge, FX impact — nothing like this exists for NRIs anywhere.
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UK vs India Property Calculator
Where does your money work harder — UK or India property? Full comparison including rental yield, capital growth, currency risk, and tax treatment.
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Pension to Rupees Calculator
What is your UK pension actually worth in India at retirement? Models GBP/INR depreciation, inflation in both countries, and your projected pension pot.
Mortgages & Loans
Make every payment count
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Mortgage Overpayment Calculator
See exactly how much interest you save and how many years you cut by overpaying your UK mortgage — in pounds and years, not vague percentages.
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Mortgage Repayment Calculator
Compare two mortgage deals side by side. Plus: the only calculator that tells UK Indians where their monthly surplus works hardest — UK mortgage vs NRE FD vs India loan vs ISA.
India & Remittance
Optimise every pound you send home
Also Available — Free Tools
Open to everyone
Latest Deep Dives
One every week — only here
May 2026
Why I sold every Indian mutual fund I owned — and what I'm doing instead
The full reasoning behind the decision, the UK tax implications, what I moved into, and whether I'd do it again.
Real Money
Apr 2026
The DTAA claim most UK Indians miss — and how to make it on your Self Assessment
Step by step: SA106 form, Form 16A from India, how HMRC processes the credit, and the most common mistakes.
Tax
Apr 2026
ISA allowance strategy for UK Indians with India exposure — how to use all £20,000
Which platforms, which ETFs, how to structure UK and India investments to minimise total tax. My actual current allocation.
Investing
Apr 2026
NRE vs FCNR vs just investing in the UK — which actually makes more sense in 2026?
After the UK tax changes, the maths on India-based savings accounts for UK residents looks very different. Here's the full comparison.
NRI Life
Real Money Portfolio
Prateek's actual portfolio — updated monthly
Last updated: May 2026
UK Portfolio
ISA + GIA
Full breakdown below
India Holdings
Nil
Exited Apr 2026
Crypto
Active
Spot portfolio
Portfolio Updates
Every decision explained — no highlight reel
May 2026
Portfolio Update — May 2026
What I bought, what I sold, what I'm watching. Full positions with actual numbers, actual platforms, and honest commentary on what's underperforming.
Real Money
Apr 2026
Portfolio Update — April 2026
Why I sold all Indian mutual funds. The full breakdown of the four funds sold on 7th April and the five I kept. Real screenshots, real numbers.
Real Money
Transparency commitment
Every number in these updates is real. Every screenshot is from an actual account. Nothing is hypothetical, nothing is a reconstruction. If something went wrong, you'll read about it here first.
Inner Circle Community
UK Indians talking money — openly
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Join the Inner Circle community
A private space to ask questions, share decisions, and talk about money with people who actually understand your situation. Not your British colleagues. Not family back home. People who live between both worlds.
Go to community →
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The Paisa Post
Your weekly newsletter. One deep dive, one money insight, one thing worth knowing. In your inbox every week.
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Early Video Access
Every video goes to Inner Circle members 48 hours before it goes live on YouTube. You always see it first.
Have a question for Prateek?
Post in the community and I'll respond personally. No question is too basic — if you're wondering about it, someone else is too.