⭐ Founding Membership
The Inner Circle
The most honest, most specific financial community for UK Indians. 13 tools built for your exact situation, weekly deep dives, and a community that actually gets it.
Most financial content is built for British people or for Indians in India. You sit in neither camp. You're managing money across two countries, two currencies, two tax systems — and doing it largely alone.
The Inner Circle is built for exactly that situation.
🔧 13 Exclusive Paid Tools
Tools your accountant doesn't have
Built specifically for UK Indians managing money across two countries. Nothing like these exists anywhere else. See what you get — then decide.
🔥 FIRE & Retirement Planning
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✦ New · Unique
FIRE Planner — UK · India · Split
The only FIRE calculator built for UK Indians. Model retirement in the UK, India, or split life across both countries. Two-phase UK retirement (ISA bridge + pension unlock at 57), India cost of living, NPS/EPF, parents' remittance, private healthcare costs. Your FIRE number in both currencies. Nothing like this exists anywhere else.
Unlock with Inner Circle →→
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● Live
Retire in India vs UK Calculator
How much do you need in each country? UK pension in rupees, city cost factors, State Pension toggle, split retirement option. Your number, in both currencies.
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● Live
Pension to Rupees Calculator
What is your UK pension actually worth in India at retirement? GBP/INR depreciation, India inflation, employer contributions, State Pension — projected year by year.
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💜 ISA & Savings
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● Live
LISA Calculator — Lifetime ISA
The government adds 25% free money on every pound you put in — up to £1,000 free per year. Retirement, first home, or return to India — with full early withdrawal penalty modelling. The #1 thing UK Indians planning to repatriate need to understand before making LISA decisions.
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🔒
✦ New
Junior ISA Calculator
Every UK child gets £9,000/year completely tax-free. See what the JISA grows to at age 18, model the Dynasty scenario (generational wealth to age 66), and understand the India options when your child turns 18 — no penalty, unlike the LISA. Includes the Child Trust Fund transfer note for children born 2002–2011.
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🧾 Tax & Planning
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● Live
DTAA Tax Estimator
UK salary, India income, mutual fund gains, rental income. See exactly what you owe where and what DTAA saves you. Stop being taxed twice on your money.
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● Live
Education Fund Calculator
UK university vs IIT/IIM vs hybrid. How much to save monthly, inflation-adjusted, in both currencies. Plan your child's education costs in either country.
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● Live
Emergency Fund Calculator
How much reserve do you need in the UK and in India? Both currencies, both lives, NRE interest insight — in one view no generic calculator provides.
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📊 Wealth & Investments
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● Live
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. Nothing like this exists for NRIs.
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● Live
UK vs India Property Calculator
UK BTL vs India property vs ISA — three-way comparison with NRI stamp duty surcharge, India LTCG, TDS, Section 24, and currency drag all modelled.
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🏠 Mortgages & Loans
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● Live
Mortgage Overpayment Calculator
How much interest do you save and how many years do you cut by overpaying? In pounds and years, not vague percentages.
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● Live
Mortgage Repayment Calculator
Compare two deals side by side. The only calculator that tells UK Indians where their surplus works hardest — UK mortgage vs NRE FD vs India loan vs ISA.
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💸 India & Remittance
Already an Inner Circle member?
Go straight to your dashboard and all 13 tools.
Also inside the Inner Circle
Beyond the tools
Real Portfolio — Monthly Updates
My actual investments, actual numbers, actual screenshots. Every buy, every sell, every mistake. Not a highlight reel — the whole journey as it happens.
Live every monthWeekly Deep Dives
One detailed piece every week — a tax situation worked through, a fund analysed, a real financial decision explained step by step. 48 hours before anyone else.
Every weekPrivate Community
UK Indians talking money openly — without the awkwardness of discussing it with British colleagues or the gap in understanding with family back home.
Members onlyEarly Video Access
Every video goes to Inner Circle members 48 hours before it goes live on YouTube. You always see it first.
Every videoFounding Member Offer
Lock in your rate — forever
The first 100 members get a price that never increases. After 100, it's £14.99/month. Founding members keep £9.99 for life.
Limited founding member spots
Once gone, the price goes to £14.99 permanently
Monthly — Founding Member
£9.99
per month · locked forever
✓ 33% off standard rate
Annual — Founding Member
£79.99
per year · locked forever
✓ 33% off + 2 months free
Join the Inner Circle
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Cancel anytime. No lock-in. Founding rate locked as long as you stay subscribed.
🌸
The Pledge
20% of every subscription funds Project Nanhi Kali via Mahindra Foundation UK
Every Inner Circle subscription contributes to girls' education in India. When you join, you're not just investing in your own financial future. Read the pledge →
Who this is not for. If you want generic UK investing content you can find that anywhere. If you want India-first content that doesn't understand the UK side, there's plenty of that too. This is for the person who lives between both worlds and wants someone who actually gets it.
I am not a financial advisor. Nothing here is financial advice. What I am is someone who has been navigating this exact situation for 15 years — the ISAs and the SIPs, the HMRC returns and the ITR filings, the NRE accounts and the remittances — and who built the tools and content I wish had existed when I started.
Glad you're here. — Prateek
Educational content only — not financial advice. Founding member price locked for the duration of your continuous subscription. Cancel anytime.