Account Fintax tools

Useful numbers, without the black box.

Five transparent calculators for everyday finance conversations. You control every input and can see the formula behind each result.

Cash-flow planner

GST arithmetic

TDS estimate

DSO

Working capital

Connected monthly cash-flow forecast

From sales and stock to money in the bank

This forecast connects customer collection days (DSO), inventory movement and supplier payment days. Enter one representative month to see how operating decisions may affect closing cash.

Simple story: sales create income, but credit sales create receivables first. Inventory may be purchased before it is sold, while supplier credit delays the cash payment.

Enter one month at a time. Use numbers without commas. Complete Steps 1–4 from left to right; every result updates automatically.

1. Opening position and customer cash

Opening bank and cash₹Expected sales for month₹Sales made on credit%Opening customer receivables₹Expected collection days (DSO)daysHigher days normally leave more sales unpaid at month-end.

2. Inventory and supplier cash

Cost of sales for month₹Opening inventory₹Target closing inventory₹Purchases = cost of sales + closing stock − opening stock.Opening supplier payables₹Supplier payment days (DPO)days

3. Operating and investment payments

Payroll and staff payments₹Tax and statutory payments₹Other operating expenses₹Capital expenditure payments₹

4. Financing and other movements

New loan received₹Loan principal and interest paid₹Owner capital introduced₹Other cash coming in₹Other cash going out₹

Customer cash expected

₹2,50,000

₹1,00,000 cash sales + estimated credit collections

Inventory purchases required

₹2,40,000

Cost of sales + closing inventory − opening inventory

Supplier cash payments

₹1,50,000

Opening payables + purchases − estimated closing payables

Estimated closing cash

₹40,000

Opening cash + total inflows − total outflows

Total cash coming in

₹2,50,000

Collections, finance and other inflows

Total cash going out

₹3,10,000

Suppliers, operations, tax, assets and finance

Net cash movement

-₹60,000

Total inflows − total outflows

DSO connection: estimated closing receivables are credit sales ÷ 30 × collection days. Collections are cash sales plus the movement in receivables.

Important: use GST-inclusive or GST-exclusive figures consistently. This is a planning estimate and does not replace dated bank, receivables, payables and inventory schedules.

Your privacy: calculations happen only in this browser. Figures are not uploaded or saved.

Transaction arithmetic

GST amount

Enter the taxable value and a rate you have already confirmed.

Taxable value₹GST rate%

GST amount

₹1,800

Taxable value × entered rate

Value including GST

₹11,800

Assumes GST is added

User-selected rate

TDS estimate

This tool does not choose the section, threshold or rate.

Payment amount₹Confirmed TDS rate%

Estimated TDS

₹1,000

Payment × entered rate

Illustrative net payment

₹49,000

Before other adjustments

Receivables diagnostic

Days sales outstanding

Use historical figures here to calculate the DSO assumption for the forecast above.

Closing trade receivables₹Credit sales for period₹Days in period

Calculated DSO

60.8 days

Receivables ÷ credit sales × period days

Liquidity snapshot

Working capital

Compare short-term assets with short-term obligations at the same date.

Current assets₹Current liabilities₹

Net working capital

₹4,50,000

Current assets − current liabilities

Read related Knowledge Centre guidance