About CentSai

Taking the Fear Out of Finance

We believe that financial wellness starts and ends with you.

CentSai helps you navigate the myriad of financial decisions you’ll need to make as an adult – whether buying your first home to determining what type of insurance you need to negotiating a better salary – we bring actionable, relatable advice via first person accounts.

The seeds of CentSai – a play on the Japanese word sensei, or martial arts teacher – were sown after the 2008 financial crisis. Cofounders Arindam Nag and Doria Lavagnino, former journalists, saw the drastic impact of the ‘fine print’ economy on every day people. Understanding your money should not be so hard. We give you the tools to empower yourself.

We believe that storytelling is the most effective way of teaching about personal finance. That’s why our blogs, written by fellow millennials and experts, will resonate. Our robust team of writers, contributors and editors is only the starting point of the conversation.

  • Teach finance through storytelling
  • Digital community that brings millennials, financial experts and brands together
  • A social media platform focused solely on financial wellness

Our unique round up of experts, or financial ‘senseis’ will give you another perspective on your finances. And our videos and quizzes are fun. Consider us your 24/7 money friend.

If you need to buy a financial product, we consider ourselves an honest enabler. You will find recommendations for mortgages, student loans, credit cards, robo-advisors and the like on our resources pages.

For full disclosure, we do receive a small commission if you decide to buy a product through our affiliates or our sponsored content. We only include products we can stand behind, and hey, we need to keep the lights on!

We are as much about the wellness part of the equation as the financial. Here you will not find spreadsheets or formulas, but real life examples of how your money mindset can help you reach and surpass your goals. Check out our forums, ask questions, and get started!

If you have an idea for us, we’d love to hear from you.


Debanjan Ghosh

Debanjan Ghosh

Chief Information Officer




Pankaj Sharma

Pankaj Sharma

Quality Engineer