Free tools for finance and credit teams
Small, focused utilities that answer a single question without a sales call. Most run entirely in your browser — your data does not leave your device. Built by the Terra Insight team and tuned for Indian statements, tax rules, and banking formats.
Available now
TDS Payment Code Lookup
Search the new TDS payment codes (1001-1092) introduced under the Income Tax Act 2025. Type a payment code, a legacy section like 194J, or a keyword like "rent" to see the parent section, sub-clause, rate, threshold, and a typical applicability example.
Open lookup →TDS Mismatch Estimator
Quantify the gap between TDS deducted on payments to you and what reflects in Form 26AS. Shows annual exposure, working capital locked, interest cost, and analyst hours spent chasing deductors.
Open tool →ITC Leakage Calculator
Model GST input tax credit leakage from suppliers who file GSTR-1 late or do not file at all. Splits the loss into permanent leakage, working-capital lock under Rule 36(4), and analyst hours.
Open tool →Statement Authenticity Checker
Drop a bank-statement PDF and see whether its metadata looks consistent with a bank-generated document, or whether it has been through a consumer PDF editor. Runs entirely in your browser — the file never leaves your device.
Open tool →On the roadmap
These are being built. No launch dates — we ship them when they pass our own review.
BSA Build vs Buy
Quantify the real cost of building an in-house bank statement analyzer versus licensing one.
BSA Accuracy Benchmark
Side-by-side accuracy comparison framework for vendor bake-offs.
BSA Signal Profiler
Map the credit signals you actually use against what modern analyzers produce.
EMI Affordability Calculator
Estimate repayment capacity from monthly inflow, obligation, and fixed-outflow patterns.
FOIR Calculator
Fixed-obligation to income ratio against policy thresholds for secured and unsecured lending.
Recon ROI Calculator
Estimate the cost of manual reconciliation and the payback period for automating it.
MSME Payment Tracker
Monitor MSME supplier ageing against the Section 43B(h) 45-day window.
Need more than a browser tool?
TransactIG and TransactIQ ship the production-grade versions of what these tools sketch — reconciliation at volume, statement intelligence at underwriting scale.
Talk to the team