Questions, answered

23percent club is a financial education platform for India. It combines a structured School of Finance, 42 calculators, an investor personality test, a financial health check, a tax saving maximizer and a personal dashboard that tracks your learning and your money.

No. We don't manage money, sell products, take commissions or give stock tips. We teach you how money works so you can make your own decisions, or have a better conversation with a SEBI-registered adviser.

Yes. Every lesson, calculator, assessment, live event and dashboard feature is free to use.

Your account, progress, goals and trackers are stored on your own device, in your browser. Nothing you enter into a calculator or tracker is sent to us. You can export or delete it all from Settings at any time.

They use standard, published formulas (the same ones used by India's largest investing apps) and we show the formula under every calculator. But a projection is only as good as its assumptions: real returns vary, and past returns do not guarantee future ones.

Take the financial health check first. It takes about four minutes and tells you which modules will help most. If you'd rather just learn, start with module 1, Financial fundamentals, and go in order.

Finish every lesson in a module and score at least 60% on its quiz. The module's certificate then appears in your dashboard, where you can view and print it.

Yes, as many times as you like. Your best score is kept, and each attempt shows the explanation for every answer.

Yes. The Foundation modules assume no prior knowledge. Core and Advanced modules build on them, and each lesson links back to the ideas it depends on.

Each calculator shows its formula and assumptions directly below the result. The SIP calculator, for example, uses M = P × ({[1 + i]^n − 1} / i) × (1 + i), with i as the annual rate divided by 12.

Yes. Press Save on any calculator and it appears under Saved tools in your dashboard, ready to reopen with the same inputs. You can also copy a share link.

No. It describes behavioural tendencies to help you understand yourself, and suggests lessons to read. It is not a suitability assessment and does not recommend any product.

It uses the slabs for FY 2025-26 (AY 2026-27), which Budget 2026 kept unchanged for FY 2026-27. Always confirm your final numbers with a tax professional or the Income Tax Department's utilities.

You don't. Everything works without one. An account gives your progress a name, and moves anything you did as a guest into it.

Accounts are stored on the device where you create them. Use Settings to export your data as a file if you want to keep a copy.

Go to Dashboard, then Settings, and choose Delete account. Everything stored for that account on this device is removed immediately.