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FINANCIAL INTELLIGENCE TOOLS

Your numbers tell a story.
Most companies never read it.

7 free financial tools built for mid-size companies and the CAs who advise them. No login required. No fluff. Just clarity.

01
Runway
02
Idle Cash
03
CFO Score
04
Credit
05
WC Trap
06
No CFO Cost
07
CA Partners
TOOL 01

Financial Runway Calculator

How long can your business run on what it has right now?

Most companies know their bank balance. Almost none know their runway. This tool calculates your true financial runway — and stress-tests it against real-world disruptions that can compress it overnight.

💰 What You Have — Cash Position
Total liquid cash across all bank accounts today
FDs that can be liquidated quickly if needed
Market-linked or debt instruments you can exit within 7-30 days
Sanctioned limit minus current utilization
Invoices raised, expected to be paid within 30 days
📤 What Goes Out — Monthly Outflows
Any lumpy/one-time payments due in the next quarter
⚡ Stress Test (Optional) −
If your biggest client delays by 30+ days, how much is at risk?
If the bank doesn't renew, you lose access to this amount
TOOL 02

Idle Cash Burn Calculator

Your current account is costing you ₹___ every year.

You're paying the bank 14% interest on working capital loans while your own surplus earns 0% in a current account. This calculator shows you the exact rupee cost of that gap — every single day.

Average balance beyond operational needs — across all current accounts
Rate on your CC/WCDL/OD facility
Total WC loan currently utilized
1 month 8 months 12 months
How many months does this surplus stay in the current account?
Savings account = 3-4%. Current account = 0%
TOOL 03

CFO Readiness Score

Your company has grown. Has your financial infrastructure kept up?

12 questions. A score out of 100. Find out if your financial operations are running at startup-level, mid-tier, or institutional-grade.

TOOL 04

Credit Approval Predictor

Will the bank say yes? Find out before you apply.

Banks evaluate 5-7 key parameters before approving credit. This tool runs the same analysis — so you know your odds before walking into the bank.

TOOL 05

Working Capital Trap Calculator

How many crores are locked in your business cycle?

Cash gets trapped between when you pay suppliers, how long inventory sits, and when clients pay you. See the exact rupee amount stuck — and what freeing just 10 days would unlock.

From invoice date to actual payment received
For service companies, enter 0
From supplier invoice to your payment
If unsure, use 70-75% of revenue
TOOL 06

Cost of No CFO Calculator

What's the price of not having a CFO? More than a CFO costs.

Every company without a CFO leaks money in interest overpayment, idle cash, credit rejections, tax inefficiency, and missed opportunities. See what that leak costs you every year.

FOR CHARTERED ACCOUNTANTS

CA Partnership Income Estimator

How much passive income is sitting in your client list?

You have clients who need financial advisory beyond compliance. Refer them, earn a lifetime revenue share, and strengthen the relationship — without doing any extra work.