Financial planning backed by real research into seafarer income

Built after studying how seafarers actually save, spend, and fall short \u2014 by a Chief Engineer who has lived the same lump-sum income, no-pension career. These tools do the maths seafarers actually need, free, no login for most.

💰NEW

Retirement Corpus Calculator

No EPF, no pension, a hard career ceiling. Find out if your savings plan actually gets you there.

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Tax Calculator

FY 2025-26 income tax for NRI, RNOR, and Resident seafarers. Old vs new regime compared.

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NRI Days Calculator

Track your India stay days per financial year. Know exactly when you hit the 182-day threshold.

📈SOON

SIP Planner for NRIs

Which funds, which restrictions, how to actually invest sea income for the long term.

Financial Literacy

The things nobody explains before you sign your first contract

Good Debt vs Bad Debt

Good debt buys something that pays you back — a home loan on a rentable flat, a course that raises your rank prospects. Bad debt buys something that only costs you — a second bike after sign-off, a loan for a wedding. Same EMI, opposite outcome.

Good Investment vs Bad Investment

A good investment compounds — index fund SIPs, real estate bought on fundamentals. A bad one just feels safe — gold jewelry, an FD that barely beats inflation and tax, land bought because everyone back home is buying land.

Necessity vs Luxury

Before a sign-off spend, ask one question: would I still buy this if my next contract got delayed six months? If the answer is no, it can wait until your retirement corpus and emergency fund are actually funded.