The toolkit

The finance toolkit
I actually use.

The trackers, checklists and decision guides I run myself — operator finance and personal finance, for founders and senior operators. Each one is built from a real decision, with the numbers attached. Most are free; the rest cost one email.

Flagship · free · email only

The Operator's Finance Tracker

The full system I run on the first Sunday of every month. Tax in-hand (old vs new regime, auto-picks the cheaper one), a rolling monthly cashflow, net worth with the liquid-safe split most trackers miss, and leverage signals that tell you when to prepay, hold, or deploy. Built around the Income-tax Act 2025.

4 linked tabsFY 2026-27 readySample data included

One email. No name, no company. Tracker lands in your inbox.

Check your inbox — the tracker is on its way. (Whitelist the sender so it doesn't land in Promotions.)

The guides

Free · email only

The Term Insurance Decision Guide

The cover amount is just the headline. The three calls underneath — how much, how long, how you pay — decide what it actually costs you. Worked with my own numbers: ₹10cr cover, ~₹54k a year, bought at 29.

Personal finance · 6-page guide

One email. The guide lands in your inbox, usually within a minute.

Check your inbox — the guide is on its way. (Whitelist the sender so it doesn't land in Promotions.)
Free · no email

The D2C Teardown Checklist

How to read a D2C brand's quarterly the way an operator does — the four numbers I read first, in order, then the full ten-line teardown. India-aware: RTO, COD, quick-commerce.

D2C teardown · 5-page checklist Download (free)

Shareable — send it to anyone diligencing a brand.

Free · no email

The Bank Credit Negotiation Playbook

Banks quote you a rate; the real cost is the IRR. Three principles for running a credit process — the worked example took a ₹10Cr facility from 13.68% to 11.06%, ₹26L a year, recurring.

Inside the room · 5-page playbook Download (free)

Same math runs your home, car and personal loans.

Free · no email

The Treasury Attention Checklist

The cheapest edge in treasury isn't information — it's attention. The parked-capital moves that quietly earn lakhs, from the ₹25Cr FD I broke two days from quarter-end for ₹8L+ net.

Inside the room · 4-page checklist Download (free)

A quarter-end ritual for anyone sitting on idle cash.

Why these are free

The list these build is the quiet start of something bigger. If the tools earn a spot in how you run your money, that's the relationship — no catch.