Free Finance Tools / Free Financial Health Diagnostic
FREE FINANCIAL HEALTH DIAGNOSTIC

What is working?
What needs a closer look?

Combine a few financial figures with a short review of your finance practices. Get strengths, potential risks and questions to investigate—no combined score and no sign-up.

1. Your financial snapshot

Use one month and the balances at its end. All amounts are in rupees (₹).

Include operating costs and depreciation; exclude interest and income tax.

Include debt service, tax and investment payments.

Include the available cash entered above.

2. Your finance practices

Choose what best describes your business. Leave an item as “Not sure” if you do not have evidence.

Your financial health snapshot

Complete the inputs or use an illustrative example. No data leaves this browser tab.

Methodology, screening bands & limitations

Operating margin = (revenue − operating costs) ÷ revenue. Current ratio = current assets ÷ current liabilities. Cash cover = available cash ÷ monthly cash paid out; it excludes future receipts and is not forecast runway. Revenue change compares the entered months.

Illustrative screening bands: operating margin below 0% signals an operating loss; 0% to below 10% a narrow margin. Current ratio below 1 signals an asset gap; 1 to below 1.5 a limited buffer. Cash cover below 1 month signals a small buffer; 1 to below 3 months warrants monitoring. These are generic discussion prompts, not industry benchmarks or validated risk predictions. Results above a band do not establish financial health.

Questions are self-reported and assessed individually. “Not sure” creates a question to investigate, not a negative score. Zero denominators show “Not available”. Outputs do not determine creditworthiness or solvency and are not investment, tax or legal advice. Read the disclaimer.