Pranjal Srivastava

Founder of CrispToolHub · Cloud Security Engineer

Last updated: June 2026

I am from Bahraich, a small city in Uttar Pradesh. Did my B.Tech from Ghaziabad in NCR, which is where I first started properly using the internet for things beyond social media: downloading tools, finding calculators, figuring out how to do things without paying for software. That habit stuck.

I started my career in 2021 at Ford Motor Company, working on GCP landing zone security. That is a fancy way of saying I helped make sure Ford's cloud infrastructure in Google Cloud was set up securely from the ground up. After Ford I moved to BluOcean Cyber, where I work remotely from Bahraich. The registered office is in Delhi, but cloud security does not really care where you sit. I work on GCP security, SaaS Security Posture Management, CASB and DevSecOps tooling for clients in fintech and investment management. I hold Google Cloud's Associate Cloud Engineer (ACE) and Professional Cloud Security Engineer (PCSE) certifications, the two main credentials for cloud security work on GCP.

If someone at a family function asks what I do, I usually say something like: whatever files and data your company stores on Google Drive or their servers, people like me make sure nobody unauthorised can get to it. That usually lands well enough.

I have been investing since my first year of working. My first real investment was a ULIP plan with pure stock funds, large cap and small cap. Not the most efficient vehicle in hindsight, but it got me reading about markets, understanding expense ratios and thinking about compounding for the first time. After that I moved to direct SIPs, which I have been running since. I also contribute to EPF through work and have a PPF account running alongside it for the EEE tax benefit.

Indian personal finance genuinely frustrates me sometimes. There are so many instruments, PPF, EPF, NPS, ELSS, SCSS, NSC, FD, RD, SGB, REITs, and the regulations change every single Budget. The rates change quarterly. The tax rules changed significantly in Budget 2024. Most people I know either avoid thinking about it because it is confusing, or they rely on advice that is outdated by the time they act on it.

Why I built CrispToolHub

CrispToolHub started from something I noticed since college. I was always switching between different sites: a PDF tool here, a percentage calculator there, a salary calculator somewhere else, a compounding tool on a fourth site. None of them had everything. Most were covered in ads. Several required sign-up to download a result. I kept thinking someone should just put all of this in one place without the friction.

The finance calculators specifically came from the frustration I described above. After Budget 2024 changed the capital gains rates in July 2024, LTCG on equity went from 10% to 12.5%, STCG from 15% to 20%, I went looking for an updated calculator and found that most tools online still had the old numbers months later. I built the capital gains calculator that week. The same thing happened with the Singapore CPF ceiling change in January 2026 and the Ireland tax credit changes in Budget 2026. I now maintain a formal data verification process and update the calculators whenever official sources announce changes.

The international calculators are there because I have been seriously looking at moving abroad. I compare countries: tax rates, take-home pay, retirement systems, cost of living. Singapore, Ireland, UAE, Canada, Australia, I have run the numbers on all of them at various points. Building calculators for those countries was a natural extension of research I was already doing for myself.

The tools I use most myself are the SIP calculator, compounding interest, SWP, salary comparison and tax calculators. Pretty much the financial planning tools. I run scenarios on them regularly when I am thinking about contributions or trying to understand what a rate change actually means in rupees.

The site is not only finance. I use the health calculators too. BMI I check occasionally just to have a reference point. The water intake calculator I actually use daily. I drink a lot of water and having a number to aim for makes it easier to stay consistent. It sounds like a small thing, but before I tracked it I was probably drinking half of what I should have been. The sleep calculator is useful when I am trying to figure out a wake time that does not leave me groggy. These tools are on the site for the same reason the finance ones are: I wanted them for myself and figured others would too.

If you find anything wrong with a calculator or a rate that has gone stale, email me at hello@crisptoolhub.com. I keep a corrections log at /corrections/ and I take accuracy seriously. This site helps people make financial decisions, and wrong numbers are not acceptable.

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