✓ Verified Creator
Hardik Patel
Software Engineer & Personal Finance Creator
“I build algorithms to replace financial anxiety with clear, actionable math.”
Welcome to Finance with HP! I am Hardik Patel, a software engineer by profession and an independent personal finance educator by conviction.
When I first started navigating corporate life, I quickly realized that traditional Indian financial advice was full of conflicts of interest: relationship managers pushing endowment policies with abysmal 4% returns, distributors recommending regular mutual funds to skim 1.5% lifelong commissions, and friends chasing speculative crypto or penny stocks.
To cut through the noise, I began coding algorithms to simulate true compounding, realistic Indian inflation, Budget tax slabs, and retirement safe withdrawal rates. Those engineering models formed the foundation of Finance with HP — a platform dedicated to giving every Indian professional free, transparent, and mathematically rigorous wealth tools.
Data & Code Over Opinions
We don’t do market timing predictions or stock ‘tips’. Every recommendation and calculator is rooted in empirical finance data, historical backtesting, and open algorithms.
Zero Commission Conflict
I will never sell you an opaque ULIP or push regular mutual funds. You will always be encouraged to invest via Direct Plans and keep your insurance strictly pure Term & Health.
Indian Middle-Class Realities
Our models account for actual Indian lifestyle inflation (7-8%), EPF/VPF, Home Loan EMI strategies, and recent Budget capital gains taxation rules.
Explore the Interactive Financial Tools
Built from scratch with zero clutter, real-time math, and instant presets. Completely free for everyone.
Work with Hardik / Media Inquiries
Whether you are looking to book a 1-on-1 financial clarity consultation, collaborate on corporate financial wellness workshops, or partner for high-integrity brand collaborations, I’d love to connect.
- ✓ 1-on-1 Portfolio & FIRE Consultations: Independent, fee-only mathematical portfolio audits.
- ✓ Corporate Workshops: Practical personal finance & tax planning for tech & corporate employees.
- ✓ Brand Collaborations: Focused strictly on ethical, transparent financial products and fintech solutions.
Connect Directly
Response time is typically within 24-48 business hours.