New: PM Viksit Bharat Rozgar Yojana calculator
Know your PM-VBRY incentive before you hire
Check eligibility, then estimate the employer incentive (up to ₹3,000 a month per net new job, for 2 or 4 years) and each first-time employee's ₹15,000, using EPFO's baseline, threshold and rolling-average rules.
Open the calculator →Every tool, by topic
Government schemes
Cash and working capital
13-week cash flow builder
Build a weekly cash forecast from eight assumptions and download it.
Open the tool →Drawing power checker
How much of your CC limit you can actually draw, and what over-age receivables cost you.
Open the tool →Find your cash low point
The week your cash is tightest, and how big the gap is.
Open the tool →What will growth cost in cash?
The working capital a sales increase will lock up.
Open the tool →How much of the bank balance is yours?
Strip out GST, TDS, PF and supplier dues from today's balance.
Open the tool →What collecting old receivables gives back
Cash and drawing power released by collecting over-age debtors.
Open the tool →What slow payers cost you
What late payment costs in interest, and whether an early-payment discount pays.
Open the tool →Banks and finance
Check the ratios your bank checks
Current ratio, TOL/TNW, DSCR and more, from your balance sheet.
Open the tool →Compare two finance options
The true cost of two lenders' quotes, side by side.
Open the tool →MSME 45-day payment rule checker
The deduction and interest at risk on dues to micro and small suppliers.
Open the tool →Profit and pricing
Real margin on an order or product
Margin after the costs most costing sheets leave out.
Open the tool →Price change vs volume
How much volume you can lose after a price rise and still come out ahead.
Open the tool →Find your profit's address
Where last year's profit went: debtors, stock, assets, loans or promoter draws.
Open the tool →Is your profit big enough?
Whether profit covers tax, promoter draws, loan repayments, machinery and a reserve.
Open the tool →Promoters and succession
How much can promoters safely take out?
A safe draw that doesn't starve the business of cash.
Open the tool →Estimate a value range
A rough value range for planning a handover. Not a valuation.
Open the tool →Finance team
Do I need a CFO yet?
Eight questions, a readiness score and a recommendation.
Open the tool →What a full-time CFO really costs
CTC, variable pay, search fee and support team, per year.
Open the tool →Is CFO-level help worth it for you yet?
Weigh the value of CFO help against its cost.
Open the tool →Who do you need right now?
Accountant, CA or CFO: tick what's true and see.
Open the tool →Free Excel templates
Questions owners ask us
Are these calculators free?
Yes. They run in your browser, and nothing you enter is sent to us.
How accurate are they?
They use the rules and formulas our CFOs use, with Indian rates and statutes. They are estimates based on what you enter. Your sanction letter, your contracts and the authorities' own calculations decide the final figure.
Can a CFO go through my numbers with me?
Yes. Book a free consultation and a senior CFO will go through your figures with you.
