Smart Credit Toolkit & Free Calculators
Practical tools for smarter financial decisions.
Smart Credit isn’t about complex spreadsheets it’s about clarity.
Here are free tools I’ve created to help you calculate, plan, and grow smarter.
Toolkit
MSME Digital Toolkit (PDF)
Essential checklists, templates, and formats for business owners.
Learn how to read a balance sheet like a banker.
Documents & parameters banks actually review before approval.
Balance Sheet Decoder
Loan Sanction Checklist
Ratio Cheatsheet (PDF)
Key financial ratios simplified for quick reference.
CMA Template (Basic Excel)
Build your own financial projections easily.
Learn the Smart Way to Use These Tools
Use the EMI and DSCR tools before you borrow not after.
Your SIP and retirement planners show how small habits grow into wealth
A good credit score is your invisible asset nurture it like savings
Think Long-Term
Stay Credit-Healthy
Balance Both Worlds
Business finance and personal finance aren’t separate they reflect your mindset.
Plan, Don’t Guess
Smart Credit Toolkit
Take these calculators one step further with ready-to-use Excel templates, checklists, and MSME credit resources.