I'm not a financial advisor. I don't manage anyone's money. I don't have a Bloomberg terminal or a trading desk.
What I have is a genuine, years-long obsession with understanding how money actually works — and an equal obsession with why intelligent people consistently make financial decisions that work against them.
I built WealthMaze because the tools I wanted didn't exist in the form I wanted them. Every financial calculator I found was either cluttered with ads, required a signup to use, or quietly sent my financial data to a server somewhere. I wanted something fast, clean, and completely private. So I built it.
I'm particularly interested in behavioral finance — the study of the psychological patterns that shape how people think about and handle money. Why does someone with a high salary stay broke? Why do investors panic-sell at market lows when they intellectually know they should hold? Why does the advice that sounds most responsible — save more, spend less — often produce worse outcomes than focusing on earning more?
These questions don't have simple answers. The articles I write are my attempt to work through them honestly — using research, data, and real frameworks rather than recycled advice.
The books that have most shaped how I think about money:
WealthMaze is a financial calculator and education platform. Every calculator runs entirely in your browser — your income figures, investment amounts, and net worth data never leave your device. The articles represent my personal research and perspective on personal finance topics — not financial advice, and not content designed to sell you anything.
If something I've written is wrong, incomplete, or could be explained better — I genuinely want to know. Reach out through the contact page .
— Om K.
Gold underperforms equities long-term but does something more valuable — it protects investor behaviour during crashes. Here's the honest case for and against gold.
Your salary measures what flows through your hands. Your net worth measures what stays. Learn how to calculate it accurately, what the benchmarks mean, and how to grow it.
XIRR calculates your real annualized return on investments with irregular cash flows. Learn what it is, how it differs from CAGR, and how to use the WealthMaze XIRR Calculator.
Most people work 40 years and retire with almost nothing — not because they earned too little, but because of four financial mistakes made every single month.
Most people celebrate their first salary by spending it. The smarter move is completely different — and it determines your financial life for the next 30 years.
You can't get rich by renting your time forever. Real wealth comes from owning assets that earn while you sleep — stocks, SIPs, MFs, and more. Here's why.
Learn how to use the WealthMaze SIP calculator standard, lumpsum, and step-up modes to project and plan your mutual fund investments with real-world scenarios.
Alex invested $200/month flat for 25 years and built $265,000. Sam increased by 10% annually and built $614,000. Same fund. Same start. Here's the math behind the gap.
Compare risk, returns, tax treatment, and inflation impact of Systematic Investment Plans vs standard bank Fixed Deposits.
Understand the psychological and behavioral mistakes that derail SIP returns, and learn how to avoid them with structured discipline.
Learn how Systematic Investment Plans (SIP) work, the magic of compounding, and how rupee cost averaging builds wealth.
Understand the critical difference between high income and true net worth. Learn why high earners often fall into spending traps and how to build lasting assets.
At an early age, obsessing over savings is one of the most expensive financial mistakes you can make. Learn why income growth beats savings rate.
Most people fail to build wealth not from lack of knowledge but because wealth building is psychologically invisible while consumption is loud. Here's the honest behavioral picture.
Starting early is the only investing advantage that cannot be purchased. Here's the precise mathematics of why — and the contrarian points most early investing advice misses.
Most people don't overspend because they're irresponsible — they overspend because they're unaware. Here's the self-awareness practice that changes your relationship with money.
Financial freedom isn't a salary level or a luxury. It's the point where money stops dictating your choices. Here's what it really means and how to build it deliberately.
Learn how money grows exponentially over time. Understand the difference between simple and compound growth with real examples.
Nobody buys a house because of the math. They buy it for stability, identity, and belonging. Here's how to honor that without letting the dream become a financial trap.
The 50/30/20 rule is the simplest money framework ever invented. Here's exactly how it works, where it breaks down, and the version that actually changes financial lives.
Net worth measures how much you have; liquidity measures how much you can actually use when it matters. Learn the liquidity spectrum, the mirage of credit limits, and how to build a 4-layer liquidity ladder.
Investing isn't about Wall Street complexity. It's about putting every dollar to work so it fights for your financial freedom even when you're not. Here's where to start.
Retirement is the only goal you can't borrow for. Here's what the compounding math actually looks like, why delay is so expensive, and how to build your corpus systematically.
Starting a SIP as a student is smart. But blindly investing $50/month while ignoring skill-building is the wrong priority. Here's the honest framework for student investors.
CAGR is the most useful number in stock market investing — and the most abused. Learn what honest CAGR benchmarks look like and how fund managers manipulate it.
Car dealers sell you the EMI, not the true cost. Here's the real math on depreciation, loan tenure, and the 20/4/10 rule for buying a car you can actually afford.
EMI looks simple but hides a structural trap — front-loaded interest and a "lower EMI" pitch that benefits lenders more than borrowers. The formula, the math, and how to outsmart it.
