Manage Money About us - People who are making it happen at MyMoneyKarma

MyMoneyKarma Team

We are a group of Stanford alumni with a strong background in banking and technology, passionate about creating a positive impact in the lives of people by helping them manage their finances better. We believe that no two people have the same financial situation, so they should not be given one size fit all financial recommendations. However, many individuals do not have access to professionals who can give them personalized advice to help them manage their finances.

We are changing that by providing FREE and EASY access to personalized financial management using proprietary algorithms developed by our deep understanding of the financial space and technology. Mymoneykarma is democratizing finance and helping people manage their money well to create a better today and a secure future.


Our Mission

Is to empower customers and help them find financial services products that best fit their needs through education, analytics based recommendations, and technology.

Our Vision

Is to create an ecosystem that democratises financial services by removing information arbitrage and building a vibrant community, so that people make the best decisions for themselves.


Ram Subramaniam

Ram is passionate about applying technology and analytics to improve service standards in consumer financial services industry. He is a serial entrepreneur, has founded and run many successful technology start-ups. He has a Master’s degree from Stanford Graduate School of Business.

Ram Subramaniam

Varun Agarwal

Varun is passionate about creating an ecosystem in the financial services space in which all parties can benefit. He is an experienced consumer services professional who has worked in the wealth management and insurance business, and has graduated from Alliance Business Academy.

Varun Agarwal