Why I started MoneyBySharma
Hello, I'm Subhash Sharma. I'm passionate about helping everyone become financially free – and I believe that starts with understanding what money actually is and how it works.
How money works should be taught in schools, but for most of us it isn't. So I've built this site to explain it in plain English: how savings, pensions, mortgages, gilts and investing fit together, without the jargon.
My hope is to reach as many individuals and families as possible. If you're new to all this, a good place to start is my illustrated guide, How money works, in pictures.
I also publish practical guides under the Sharma Simplified name – you'll find them on the Resources page.
What this site isn't
MoneyBySharma gives information only, not regulated financial advice. It isn't a financial adviser, broker or comparison service, and it isn't authorised or regulated by the Financial Conduct Authority (FCA). I don't recommend products or tell you what to buy, and comparison tables show facts only.
How I check the figures
Every allowance, rate and limit is checked against official sources – GOV.UK, HMRC, legislation.gov.uk, the FSCS, the Bank of England, the ONS and the UK Debt Management Office – and linked with the date I checked it. Figures on this site were last checked on 12 October 2026. The Bank Rate, gilt and inflation data are refreshed automatically whenever the site is rebuilt. If you spot an error, please let me know at hello@moneybysharma.co.uk.