Tarun Singh Thakur's profile on Product Hunt

About

Fintech product leader with 15+ years across banking, payments, lending, and affordability. Currently leading PayLater & Affordability products at Pine Labs, powering EMI, BNPL, and cardless credit experiences. Previously worked across Oracle, EY, Sberbank India, and Paytm. Outside work, I run Finthinkhub and am building GuideFin, a retirement planning app for Indian investors. I write about fintech, product management, digital payments, AI in banking, and the future of financial services. Finthinkhub: [www.finthinkhub.com](http://www.finthinkhub.com) | GuideFin: [www.finthinkhub.com/product](http://www.finthinkhub.com/product)

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Maker History

GuideFinAd-free retirement & wealth planning for Indian investors
Jul 2026
FinThinkHubExplore Fintech World
Jun 2026

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Joined Product HuntMay 12th, 2026

Forums

p/guidefin

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25d ago

Most Indian retirement calculators assume 6% inflation and 12% returns forever. Why ?

I kept running my numbers through the usual online calculators and every one told me I was "on track" flat 6% inflation, a constant 12% return, straight line to retirement.

But real markets don't move in straight lines. If the market drops 30% in your first two years of retirement, your corpus can run out a decade earlier than planned even when the 30-year average looks fine (Sequence of Returns Risk). None of the mainstream tools seem to model this.

That frustration is why I've been building GuideFin an ad-free planning app that runs Monte Carlo simulations and stress-tests a plan against real historical crises instead of straight-line math. We're launching here on July 15.
Genuinely curious from this community:

- Do you trust the "you're on track" verdict from standard calculators?

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22d ago

GuideFin - Ad-free retirement & wealth planning for Indian investors

GuideFin is an ad-free wealth strategy app for Indian investors. Instead of straight-line calculators, it runs 1,000-iteration Monte Carlo simulations on real Nifty data, stress-tests your retirement against 6 historical crises, and models tax-aware 3-bucket withdrawals. It also has goal planning with smart warnings, mutual-fund Manager Skill Scores, NPS analysis, and 16+ financial calculators. No ads, no referrals, and a free Guest Mode that needs no email.

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2mo ago

FinThinkHub - Explore Fintech World

FinThinkHub is India's fintech knowledge platform dedicated to explaining the technology, infrastructure, and business models shaping modern finance. From UPI, digital payments, embedded finance, lending and banking technology to AI in fintech, wealth management and mutual funds. FinThinkHub delivers in-depth analysis and educational content for professionals, investors, and curious learners. The platform also offers GuideFin strategy planning tools to help users make better financial decisions.