Understand every number
Reported balances
We add each non-overlapping balance once, preserving its balance date and basis. A linked component already included in its parent balance is excluded. An unresolved overlap makes the total partial. This is not an account closure quote.
Monthly margin
Income minus essentials, other commitments and required debt payments dated within the selected calendar month. Unknown dates or amounts, or an unconfirmed calendar, make the complete margin unavailable. Transfers and new borrowing should not be entered as income.
Dated cash flow
Opening liquid cash minus your chosen reserve, then each entered cash event in date order. Outflows are processed before inflows on the same day. Negative balances carry forward. The peak gap is the largest negative cash position, not the sum of negative balances.
Scope and projections
The planner supports one explicitly entered calendar month. It does not silently repeat card minimums or invent future expenses. Stress tests alter selected inputs and rerun the same engine. Delays crossing month-end exclude that income from the selected month.
Optional loan illustration
The separate loan calculator uses fee-free monthly reducing interest, an annual nominal rate, month-end payments and half-up rounding to paise. It does not verify funding or contract terms, so it is not a personalised repayment recommendation.
Additional supported models
Optional tools calculate target payoff payments, conventional dated cash-flow yield, constant-principal ACT/365 simple interest and dated refinance offer comparisons. Restricted contractual, avalanche and snowball comparisons require eligible fixed-rate loans and an explicitly confirmed future funding calendar. An unfunded path does not produce a payoff promise.
Additional supported models
Optional tools calculate target payoff payments, conventional dated cash-flow yield, constant-principal ACT/365 simple interest and dated refinance offer comparisons. Restricted contractual, avalanche and snowball comparisons require eligible fixed-rate loans and an explicitly confirmed future funding calendar. An unfunded path does not produce a payoff promise.
Reproducibility
Engine version 9.0.0 uses integer paise for monetary schedules. Browser reports and automatic PDF reports share the calculation engine and report content. PDF generation requires separate consent to send your case to the server, which recalculates it and returns a PDF without retaining the case. Each model lists its assumptions and missing information.
Indian cash-pressure assessment
Known arrears or a monthly deficit trigger urgent payment review. Dated gaps and reported debt cycling trigger action. Incomplete information cannot produce a clean assessment. This is not a credit score, RBI risk grade or default probability. Short-loan and purchase-EMI comparisons use explicitly entered cash amounts; guidance is linked to its sources.
Limits
Exact issuer-specific card forecasting, variable-rate resets, settlement, credit-score predictions and global optimisation across arbitrary contracts are not implemented. Modelled comparisons are educational estimates, not lender quotes or guaranteed savings.