Know where every rupee goes, and what you keep.
Three tabs, about five minutes. Use an average month from the last three.
Money in
What kind of business are you?
Money out
Monthly. Leave a line blank if it doesn't apply.
Direct costs The cost of delivering the work
Running costs What it costs to keep the lights on
What you keep
Worked out as you type.
You haven't added your own salary. Your real profit is lower than it looks until you pay yourself.
Your cash cushion
How many months your bank balance could cover your costs if sales stopped.
Your first money move
One change you'll make this month.
Compliance check
Mark each one honestly. Not sure counts as a gap.
Registered as a legal business (proprietorship, LLP, Pvt Ltd or OPC)
A separate bank account for the business
GST registered if turnover crosses ₹20L for services or ₹40L for goods (lower in some states), or if you sell on marketplaces
GST returns filed on time, every month or quarter
Vendors' GST filings checked so your input tax credit shows up
TDS deducted and deposited wherever it applies
Income tax return and advance tax paid on time
Every sale and expense has an invoice or bill on file
P&L and balance sheet prepared at least once a year
Brand name searched and trademark applied for
Annual company or LLP filings done, if you're registered as one
A CA or accountant who owns your compliance calendar
Mark each line to see your score.
How this connects: Finance is the scoreboard for every other area. Clean books make every decision faster.
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