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Institutional Intelligence • 24 Free Utilities

Financial Tools & Calculators

24 Tools
Accounting & Loans
100% In-RAM
Zero Disk Storage
Fixed-Point
Exact Ledger Math
Free & Instant
Browser & Excel
All (24) Accounting Lending PDF Tools Cash Flow Data & Excel

Specialized Financial Suites

Browse by professional workflow and domain expertise

All 24 Financial Utilities

Tap any tool to launch directly in your browser without sign-up

Accounting

Bank Statement Balance Checker

Identify running-balance mismatches, missing transactions, and closing balance discrepancies with fixed-point precision.

For: Chartered Accountants Launch
Accounting

Bank Reconciliation Statement (BRS) Generator

Match bank statement transactions against cash-book records to highlight outstanding cheques and deposits in transit.

For: Accountants Launch
Accounting

Duplicate Transaction Finder

Detect accidental double billings, repeated payment debits, and identical transaction records across statement files.

For: Auditors Launch
Accounting

Debit & Credit Totals Calculator

Calculate total debits, total credits, net cash movement, and monthly distribution totals with financial sign conventions.

For: Accountants Launch
Accounting

GST Payment Reconciliation Tool

Reconcile GST PMT-06 challans, CPIN references, and tax payments against bank statement debits.

For: Tax Practitioners Launch
Lending

Salary & Income Verification Calculator

Detect recurring salary credits, employer patterns, net pay variation, and missing months for loan eligibility assessment.

For: Loan Officers Launch
Lending

FOIR & Loan Eligibility Calculator

Compute Fixed Obligation to Income Ratio (FOIR), remaining monthly EMI capacity, and maximum loan borrowing limit.

For: Borrowers Launch
Lending

Average Monthly Bank Balance (AMB) Calculator

Calculate true Average Daily Balance (ADB/AMB) across calendar days by carrying forward non-transaction balances.

For: Underwriters Launch
Lending

Bank Statement Cash Flow Analyzer

Analyze monthly cash inflows, outflows, burn rate, and peak-to-trough balance swings for financial health.

For: Loan Underwriters Launch
Lending

Bank Statement Consistency & Continuity Checker

Audit transaction sequence, date chronology, round figure anomalies, and balance jumps for document integrity review.

For: Fraud Auditors Launch
PDF Tools

Merge Bank Statements PDF

Combine multiple monthly bank statement PDFs into one consolidated, sequential document without quality loss.

For: Loan Applicants Launch
PDF Tools

Clean Bank Statement PDF (Rotate & Remove Blanks)

Rotate upside-down pages, remove blank white sheets, and reorder pages for clean presentation.

For: Borrowers Launch
PDF Tools

PDF Financial Table Extractor

Extract transaction tables from PDF bank statements into structured CSV and Excel spreadsheets.

For: Accountants Launch
PDF Tools

Compress Bank Statement PDF

Reduce PDF file size without making financial text or transaction numbers blurry or unreadable.

For: Job Applicants Launch
PDF Tools

Unlock Password-Protected Bank Statement PDF

Remove the permanent password from your bank statement PDF using your valid PIN/PAN/DOB password.

For: Individual Bank Customers Launch
Cash Flow

Monthly Expense & Spending Analyzer

Categorize debit transactions, spot top spending categories, and identify largest merchant expenditures.

For: Freelancers Launch
Cash Flow

EMI & Loan Amortization Calculator

Calculate monthly loan EMI, total interest payable, and generate a complete monthly amortization schedule.

For: Home Loan Borrowers Launch
Cash Flow

Recurring Payment & Subscription Finder

Detect hidden monthly subscriptions, recurring SaaS fees, insurance premiums, and auto-debit payments.

For: Individuals Launch
Cash Flow

Business Cash Flow Forecast Calculator

Project future cash positions, identify upcoming runway shortfalls, and simulate growth scenarios.

For: SME Owners Launch
Cash Flow

Transaction Currency Converter

Convert multi-currency foreign bank transactions (USD, EUR, GBP, AED) into your local reporting currency.

For: Exporters Launch
Data & Excel

Merge CSV and Excel Files

Combine multiple CSV and XLSX statement exports into a single consolidated sheet with automatic column alignment.

For: Data Analysts Launch
Data & Excel

Bank Transaction Formatter & Cleaner

Standardize dates, clean up messy UPI/IMPS narrations, remove extra whitespace, and format numbers cleanly.

For: Bookkeepers Launch
Data & Excel

Bank Transaction Search & Filter

Filter and search across thousands of transactions by merchant, reference number, date range, and amount brackets.

For: Auditors Launch
Data & Excel

Bank Transaction Categorizer

Automatically categorize bank statement transactions into income, business revenue, utilities, tax, and living expenses.

For: Accountants Launch
Financial Security Guarantee

Zero Persistent Storage. Complete Data Privacy.

Bank statements are sensitive confidential records. All calculations and document operations execute purely in transient memory (RAM). Your files are never stored, indexed, or shared with third parties. Once your download completes, memory is purged immediately.

Institutional Precision Math
No Account Required
Instant In-Memory Purge

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