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Smart Finance, Tax & Risk Tools

Modern calculators for cash runway, banking readiness, tax planning, pricing, investments, and governance.
Free to use — want real-time automation? Powered by FynCoo ERP.

Cash runway Bank readiness Tax & pricing Risk & governance
Cash Runway & Health
How long can we survive? Quick health score.
Runway (months)
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Monthly burn
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Health score
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Bank Loan Readiness
DSCR, current ratio, NTA hints.
DSCR
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Current ratio
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NTA / Loan
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Approval chance
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Tip: Improve DSCR > 1.2, current ratio > 1.5, and NTA coverage to move from medium to high.
EMI Stress Test
Rate hike and income drop.
Base EMI
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Stressed EMI
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Affordability
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Loan Comparison (Flat vs Reducing)
Compare Bank A vs Bank B.
Flat EMI
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Reducing EMI (A)
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Reducing EMI (B)
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Interest diff
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Tax Burden Analyzer
Pre vs post planning (estimates only).
Tax without planning
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Tax after planning
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Estimated saving
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Disclaimer: Illustrative only. Verify with latest Finance Act and IRD guidance.
Advance Tax Planner (Quarter-wise)
Installments & shortfall risk.
Q1/Q2/Q3/Q4 target
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Shortfall
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Risk note
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VAT Compliance Risk Checker
Flags low VAT ratio, spikes.
VAT ratio
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Risk level
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Flags
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Pricing & Profitability
True cost + sensitivity.
True margin / unit
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Profit @ base
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Profit @ new price
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Investment & Inflation
SIP goal + real value erosion.
SIP future value
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Goal gap
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Real value after inflation
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Governance & Risk
Internal controls + deadlines.
Control score
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Deadline status
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Red flags
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Hire vs Outsource
Cost comparison.
Hire total
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Outsource total
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Decision hint
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Buy vs Lease (Quick)
Cash + tax view.
Lease total (post-tax)
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Buy cash outlay
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Hint
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AI-Style Summary (Rule-based)
Plain-language health summary + CTA.

Want automated, real-time scores and alerts? Get FynCoo ERP.