The toolkit
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.
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.
The guides
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 guideHow 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.
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.
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.