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Hello, I am

Sumit Ramani

Actuary, Entrepreneur and Author

An Information and Communication Technology engineer turned actuary. I run an actuarial consulting firm focused on InsurTechs and a B2B tech start-up focused on comprehensive financial planning with depth in insurance. I am passionate about personal finance and ramble about it on Twitter. 

Risks, Rewards, and Realities of Financial Independence Retire Early
Foreword by Deepak Shenoy

Monika Halan
Ring of FIRE reimagines FIRE for the Indian context, blending personal experiences, behavioural finance, and cultural challenges. It will help you to invest wisely, control lifestyle inflation, and pursue meaning over money. Read this book if you want to reclaim time, challenge norms, and live intentionally.
Swapnil Kendhe
Swapnil KendheSEBI RIA & Fixed-Fee Financial Planner | Founder, vivektaru.com
Wow! This is as good a book on FIRE in the Indian context as one could hope for. Drawing from his own journey and real-life stories, Sumit delivers a read that’s both insightful and thoroughly enjoyable.
Lavanya Mohan
Lavanya MohanCA & Author of Money Doesn’t Grow On Trees
Sumit’s writing is breezy and his ideas are honest & rooted in everyday realities. This book is the perfect guide to anyone thinking about retiring early!
Sandeep Mall
Sandeep MallManaging Director, LNM Auto Industries Pvt Ltd. and Author, Finding the Oasis
Ring of FIRE is a roadmap to freedom. Drawing from his own journey, Sumit shows how smart choices, mindful spending, and the courage to step off the beaten path can spark financial independence. This book blends practical strategies with behavioural finance, challenging conventional wisdom and offering readers a framework to achieve control in their financial lives.
Sunitha Vishwanath
Sunitha VishwanathPartner - Kae Capital
Sumit makes FIRE feel truly within reach. With clear frameworks and relatable stories, he not only shows you how to achieve financial independence but also prepares you for life beyond it—making this a defining FIRE book in India.
Neil Borate
Neil BorateEditor-in-chief, thefynprint
Sumit is a seasoned personal finance professional. The book is insightful & comes from a place of deep learning and experience in financial services.
Larissa Fernand
Larissa FernandBehavioural Finance Enthusiast
It is not often that a finance book comes across as an enjoyable read. Quite a challenge when you realise that the subject is extensively written about. While FIRE is as much about mindset, as about numbers, the former does not get the attention it deserves in common discourse. This book unapologetically presents that side of the coin. The personal stories are engaging and bring out the human side in the money game. A good read for finance nerds as well as those on the other side of the pendulum.
Ravi Handa
Ravi HandaCo-founder, Handa Uncle
Ring of FIRE by Sumit Ramani is a concise, practical guide to achieving financial independence and early retirement in the Indian context. With real-life examples and clear strategies, it simplifies complex financial concepts, making FIRE accessible to young professionals and seasoned earners alike. Insightful and actionable.
Preeti Chandrashekhar
Preeti ChandrashekharConsulting Actuary specialising in Pension, Employee Benefits. Ex India Business Leader, Wealth at Mercer, Current President, Institute of Actuaries of India
Ring of FIRE is a lucid narrative of a complex yet very important concept of financial freedom. The importance of our relationship with money is explained in a very succinct manner through relatable examples that map the idea of FIRE to the Indian context. I would encourage the book as an essential read for those who want money to serve them and not the other way around.
Kunal Gupta
Kunal GuptaCofounder & CEO - EMotorad
Refreshing and relatable! It’s not just about numbers but about living life on your own terms. A great read for anyone chasing freedom.
Mohit Chauhan
Mohit ChauhanDirector BNP Paribas
There are plethora of books that have been written on Personal Finance and power of FIRE but there are very few books that challenge the very awareness of the reader on this subject. This is one such wherein, in a very old-world, hearthside conversational way, Sumit has managed to weave together his knowledge of the subject and essense of his own experiences. This book will potentially leave the reader ‘richer’.
Damodar Mall
Damodar MallRetail CEO, Author
For me, the lure of the book is Behavioural Finance. Money as means to doing more of what you love and less of what you don’t. That’s independence!
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Ring of FIRE Story #3: That 25 Minutes Drive from Failure to Freedom

August 29, 2025

September 27, 2018, 4:45 PM EST – I was driving back to my hotel in the Philadelphia suburbs, physically drained and emotionally shattered after a devastating day. Earlier, management announced our company’s acquisition by an Indian IT giant, freezing all promotions and raises until March 2019. My expected promotion to Read More

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FIRE Corpus Calculator

Dreaming of retiring early? This easy-to-use FIRE Calculator helps you figure out your financial freedom number, compare expenses, and see how close you are to living life on your own terms — no jargon, just clear insights for your context.

Theoretical vs Actual Hourly Rate

Find out what your time is actually worth. This tool compares your theoretical hourly rate (based on salary alone) with your real hourly rate, factoring in commute, overtime, and more. Discover how much your time truly costs and where your hidden overheads lie.

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The Wint Wealth Podcast that went viral [13 mins]

Went live on 11 Nov 2024

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