Financial Mastery Book — Reader Resource

Financial Mastery Toolkit

5 professional calculators built for Indian small business owners. Free forever — exclusively for readers of the book.

Cash Flow Health

GST Calculator

5C Credit Scorer

Break-Even

Working Capital

→ Enter your details to unlock all 5 tools

Your Name

Email Address

Book Code

Business Type

Annual Revenue (approx)

🔒 Your data is encrypted and never sold. You can request deletion any time by emailing contact@solvxyz.com

Tool 01 of 05

Cash Flow Health Check

Enter your current numbers to instantly calculate your 5 key cash flow metrics and see your business health status.

Chapters 2, 4, 6, 7

Your Numbers

Current Cash & Bank Balancetotal across all accounts

₹

Monthly Fixed Expensesrent, salaries, EMI, utilities

₹

This Month's Revenuetotal invoiced / received

₹

Cost of Goods Sold (COGS)direct cost of products/services delivered

₹

Accounts Receivable (AR)total unpaid customer invoices

₹

Total Operating Expensesall expenses excluding COGS

₹

Current Assetscash + AR + inventory + short-term assets

₹

Current LiabilitiesAP + short-term loans + GST payable

₹

📊

Enter your numbers on the left
to see your health metrics

Tool 02 of 05

GST Split Calculator

Instantly calculate CGST, SGST, and IGST for any transaction. Handles intra-state and inter-state supply.

Chapters 20, 22

Transaction Details

Transaction Amount

₹

Amount Type

GST Rate

0%Exempt

5%Essential

12%Standard

18%Standard

28%Luxury

3%Gold/Silver

0.25%Rough diamonds

CustomEnter below

Supply Type

Tax Breakdown

Total Invoice Value

₹0

at 0% GST

Base Taxable Value

₹0

CGST (Central)

₹0

SGST (State)

₹0

IGST (Integrated)

₹0

Total GST Amount

₹0

Taxable Value₹0

CGST₹0

SGST₹0

IGST₹0

→ ITC Reminder

If this is a purchase for your business, claim this GST as Input Tax Credit (ITC) — it reduces your net GST liability. Record the vendor's GSTIN and ensure they file their returns on time.

Tool 03 of 05

5C Credit Scorer

Score any customer across the 5C framework. Get an instant approve / caution / reject recommendation with a credit limit suggestion.

Chapter 13

Score This Customer

Customer Name / Business

Requested Credit Limit

₹

1. Character 5

Payment history, market reputation, trade references, time in business

0 — Unknown5 — Average10 — Excellent

2. Capacity 5

Cash flow ability to repay — bank statements, revenue trend, GST turnover

0 — Stressed5 — Stable10 — Strong

3. Capital 5

Net worth, assets owned, balance sheet strength, property / investment base

0 — Negligible5 — Moderate10 — Strong

4. Collateral 5

Security offered — PDCs, guarantees, property, inventory pledge

0 — None5 — Partial10 — Fully secured

5. Conditions 5

Industry stability, market conditions, GST compliance record, legal disputes

0 — High risk5 — Stable10 — Very favourable

Credit Recommendation

out of 50

⚠️

CONDITIONAL APPROVAL

Requested Limit

Enter amount →

Recommended Limit

—

Suggested Payment Terms

—

Weakest Factor

—

Strongest Factor

—

→ Action Recommendation

Adjust sliders to score the customer across all 5 dimensions.

Tool 04 of 05

Break-Even Calculator

Find exactly how many units you must sell — or what revenue you must reach — before your business turns profitable.

Chapters 5, 8, 9

Cost & Price Structure

Monthly Fixed Costsrent, salaries, EMI, insurance

₹

Variable Cost per Unitmaterials, packaging, delivery per unit sold

₹

Selling Price per Unitexcluding GST

₹

Current Monthly Units Soldfor margin of safety calculation

Target Monthly Profithow much profit do you want?

₹

Break-Even Analysis

📈

Enter your cost structure
to find your break-even point

Tool 05 of 05

Working Capital Diagnostics

Complete financial health scan — 6 ratios, instant benchmarks, and a prioritised action list tailored to your numbers.

Chapters 2, 3, 11, 12

Balance Sheet Snapshot

Cash & Bank Balance

₹

Accounts Receivable (AR)

₹

Inventory / Stock Value

₹

Accounts Payable (AP)what you owe vendors

₹

Short-Term Liabilitiesloans, GST payable, other current

₹

P&L Snapshot (This Month)

Revenue

₹

Cost of Goods Sold

₹

Credit Sales (this month)revenue on credit terms

₹

Credit Purchases (this month)purchases on credit from vendors

₹

Monthly COGS (for inventory days)

₹

Diagnostic Report

💡

Enter your numbers on the left
for a complete working capital diagnosis