Your ₹150 Coffee Is Not the Problem But Your ₹30 Lakh Car Decision Might Be.
The latte factor has been personal finance gospel for 20 years. We ran the Indian numbers. The results surprised even us.
Democratizing personal finance
Welcome to
Vessify!
We are currently busy building a platform to help democratize personal finance in India for the masses. To stay in the loop and join us on this journey, please drop your co-ordinates below. We promise to reach out only when we have something substantial to share!
What we're building
Fee-Only Research90+ Free CalculatorsHonest Model PortfoliosUnbiased AdvicePersonal Finance ContentRetirement PlanningTax OptimizationGoal TrackingFee-Only Research90+ Free CalculatorsHonest Model PortfoliosUnbiased AdvicePersonal Finance ContentRetirement PlanningTax OptimizationGoal Tracking
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Why Vessify
Personal finance guidance that actually puts you first
There is a lot of noise out there. Most of it is quietly driven by commissions and sponsorships. We are built differently: fee-only, independent, and working through the SEBI Research Analyst registration process right now.
SEBI Registration Underway
We are not just another YouTube channel with opinions. We have submitted our application to SEBI for Research Analyst registration. That means professional-grade standards and regulatory accountability from day one.
SEBI RA Application In Progress
Zero Commissions. Ever.
We earn nothing from the funds or products we talk about. No affiliate links, no sponsored recommendations. You pay us, or nobody does. That is the only way to keep the advice honest.
Research Built on Data, Not Opinions
Every model portfolio and recommendation will come with backtested data. We show our working, not just our conclusions. You will always understand what you are investing in and why.
Built for the Indian Middle Class
We are not here for HNIs who already have wealth managers. We are here for the 28-year-old in Bengaluru or Pune who just wants to know what to actually do with their monthly salary.
Our Story
Suraj Shanbhag, Founder
Former VP, Deutsche Bank and Nomura · IIT Madras
“I spent over a decade advising Fortune 500 companies on deals worth billions. When my own family had a question about their retirement, they had nowhere honest to go. That is why Vessify exists.”
During his years abroad, he consistently chose a practical car over a flashy one and sensible housing over the most expensive he could afford. That philosophy, repeated over a decade, is the foundation of everything Vessify teaches. Wealth is about security and options for your family, not what you post online.
IIT MadrasDeutsche BankNomuraSEBI RA In Progress
Read the full storyHow It Works
Three steps from confusion to clarity
You do not need to become a finance expert. You just need the right tools, honest research, and someone who will actually tell you what to do next.
Step 01
Start with the calculators
Sign up free and run the numbers on your own situation. SIP returns, tax liability, home loan EMI, retirement corpus. Knowledge before action, every time.
Step 02
Pick a life-stage portfolio
Once our SEBI registration is confirmed, paid members access curated model portfolios built around your actual age and life stage, not a generic risk quiz.
Step 03
Stay on track with rebalancing alerts
Markets move, life changes. We send monthly or quarterly rebalancing guidance so your portfolio stays aligned without you having to monitor things daily.
Membership
Start free. Upgrade when it makes sense for you.
We are building for volume, not for margins. That means pricing that makes saying yes an easy decision.
Explorer
Free
Everything you need to understand your finances. No payment details, no time limit. Free means free.
- All 90+ financial calculators
- All Musings and articles
- Weekly newsletter
- Preview of one model portfolio
Most Popular
Grow
₹💵💵/month
For anyone who wants to go beyond calculators and start building a real portfolio. Approachable enough to try, valuable enough to keep.
- Everything in Explorer
- All life-stage model portfolios (view access)
- Quarterly rebalancing alerts
- Direct guidance on building your first portfolio
- Monthly members-only Q&A session
Build
₹💵💵/month
For the serious investor who wants monthly guidance and premium tools. This is for someone genuinely committed to building wealth.
- Everything in Grow
- Monthly rebalancing alerts (instead of quarterly)
- Priority access to new research and tools
- Premium calculators (MF overlap, tax optimizer)
- Priority alerts on new research and tools
Free Tools
Run the numbers on your situation.
Sign up free to save your results and access all 90+ calculators.
InvestmentFree
SIP Returns Calculator
See exactly how your monthly SIP grows over time, with the real power of compounding shown in a way that actually makes sense.
TaxFree
Old vs New Tax Regime
Enter your income and deductions once. We will tell you which regime saves more and by exactly how much in actual rupees, not just percentages.
LoanFree
Home Loan EMI Calculator
Know your exact monthly outgo before you sign anything. Includes a prepayment impact view so you can see what paying a little extra each month saves you.
Model Portfolios
Built around where you are in life, not just your risk appetite
Most financial advice groups people by "aggressive" or "conservative" and calls it a day. That is lazy. Your portfolio should reflect your actual life stage, your goals, and your timeline. We are building fewer than 10 portfolios, each one thoughtfully designed for a specific chapter of life.
Age: Under 25
The First Job Portfolio
Starting fresh with a long runway ahead. High growth focus, built to maximise compounding from the very first rupee invested.
Coming at RA Registration
Age: 25 to 30
The Builder Portfolio
Career is growing, income is climbing. Time to build a serious financial foundation alongside a rising lifestyle.
Coming at RA Registration
Age: 30 to 35
The Balancer Portfolio
EMIs, family, career growth, and wealth creation all competing for the same rupee. Here is how you balance them without sacrificing any.
Coming at RA Registration
Age: 35 to 45
The Serious Wealth Portfolio
Peak earning years. Time to make your money work as hard as you do, while protecting what you have already built.
Coming at RA Registration
These portfolios will be available to paid members once our SEBI Research Analyst registration is approved. Sign up free now to be notified the moment they launch. We are intentionally starting with fewer than 10 portfolios and building with care, not quantity.
Latest Musings
View all →The Most Powerful Force in Finance Isn't AI or Bitcoin. It's This.
The visual experiment that explains why every month you wait is the most expensive decision you can make.
Money Mistakes Made in Your 20s That Cost You Crores by Age 60
Your 20s are when financial habits form. The good ones compound quietly in your favour. The expensive ones follow you into your 30s. And beyond.
Responsible. Transparent. Regulated (In Progress).
Stratus Selyn Enterprises Private Limited (CIN: U85101KA2024PTC190455), operating under the brand name Vessify, has submitted an application to SEBI for Research Analyst registration under the SEBI (Research Analysts) Regulations, 2014. Registration is currently pending SEBI approval. Until registration is granted, all content on this platform including articles, calculators, and model portfolio previews is for educational and informational purposes only and does not constitute regulated investment research, advice, or any recommendation to buy or sell securities. Investments in securities markets are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not indicative of future results.
SEBI RA Application Submitted. Registration Pending Approval.