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MoneyLingo

Decode your money,no BS.

India's first honest financial education for the next generation. Free, India-specific, and no account needed.

Built for India · Free · No accountYour first job

₹12 lakh CTC is not ₹1 lakh a month.

Employer PF and the gratuity provision sit inside your CTC but never reach your monthly pay — the PF goes to your retirement account, gratuity only after five years. Put your offer letter in and see the real number.

1 / 5
₹12,00,000 CTC
CTC₹12,00,000
less employer PF₹11,14,000
less gratuity provision₹10,90,000
less your PF + tax (tax is nil here)₹10,30,000
₹78,500 a month
Not the ₹1,00,000 the offer letter implies.

Meet Kabir and Tara

Every big idea on this site ends up as a conversation between these two. One asks what you were quietly wondering; the other has already paid for the answer.

See them in a course →

Kabir

The Learner

Nineteen, first internship, first payslip that made no sense. He asks the questions everyone else is too embarrassed to — which makes him the bravest person on this site.

CuriousThinker

Tara

The Expert

The cousin who already made the mistakes and will tell you exactly what they cost. Explains everything, sells nothing.

KnowledgeableConfident
New this weekSeven numbers this week assumed you already knewTake this week’s check →
Scam spotter

10 seconds. One question.Don't lose your money.

This is a real question from the fraud track, and the single most useful thing on the site. Get it wrong here rather than on your phone at 9pm.

The scenario

Someone owes you ₹24,500. This lands. What do you do?

Collect request

₹24,500

“refund sir, just approve with your pin 🙏”

Kabir is thinking

Where to complain if it already happened →

What’s bothering you right now?

See the full path →

Free account, if you want your progress kept

Weekly goals, not guilt. Nothing loss-framed, and no leaderboards ranking you against strangers.

Level 7

1,320 XP · 3 of 3 lessons this week

This week’s goaldone ✓

12

lessons

4

week run

6

badges

Weekly goals, not daily streaks. Exams happen, and a missed fortnight should not cost you everything you built. Switch on exam mode and your streak and goal simply wait for you — nothing here is loss-framed and nothing nags you.

Badges, without the tricks

  • Pehla Kadam
  • Scam Spotter
  • Tax Literate
  • Nominee ≠ Heir
  • Four Weeks Running
  • All Rounder

No loot boxes, no random rewards, and no global leaderboard ranking you against strangers. Rewards are fixed and predictable, because a reward you cannot predict is a slot machine.

What MoneyLingo does

Not a trading app

The 80% of money that is not the stock market

Nomination is not inheritance. A flat-rate loan costs nearly double what it says. Your health policy has a room-rent cap you have never read. These decide more about your life than any portfolio, and almost nobody teaches them.

See every track →
₹12,00,000 CTC
CTC₹12,00,000
less employer PF₹11,14,000
less gratuity provision₹10,90,000
less your PF + tax (tax is nil here)₹10,30,000
₹78,500 a month
Not the ₹1,00,000 the offer letter implies.
Highest social value

The scams that are actually happening

Collect-request fraud, the digital-arrest call, loan apps that scrape your contacts and morph your photos, task scams on Telegram. Real message formats, the red flags in each, and the official number to call — with the mental-health helpline, because this class of scam has cost lives.

Where to complain →

You never need a PIN to RECEIVE money.

A PIN only ever sends. Anyone asking for one wants to take, not give.

Show, don’t tell

Numbers you can push around until they make sense

Calculators that print their working — the slab-by-slab breakdown, the amortisation schedule, the sensitivity band. Where a rate has to be assumed, we leave it blank, because a pre-filled 12% is a forecast dressed up as a default.

Open the calculators →
₹1,00,000 balance at 3.5% a monthMinimum onlystill owingafter 8 years₹10,000 a monthclear in12 months3.5% a month is 51% a year.Statements quote the small number.

Pick a track

All courses →

Recently written

What changed, what it means, and what to check.

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How this site is run

Three things that stay true on every page, each with the page that proves it.

  • Every number is sourced

    Slabs, limits and scheme rates come from a dated file citing the Income Tax Department, RBI, EPFO and the Ministry of Finance. Past its review date, a page says so.

    See the source list →
  • Nothing is tracking you

    No analytics, no advertising, no session recording, no third-party scripts. Not a setting to find — there is nothing here to switch off.

    Read the privacy notice →
  • Nobody pays us to say anything

    No commissions, no referral fees, no sponsored lessons. Not a broker, not a distributor, not an adviser — and we publish exactly what we are not registered as.

    How we are funded →

24 calculators, 54 courses, one helpline page. No sign-up for any of it.

An account only exists so your progress is remembered. Everything works without one, and it always will.