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.
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BSA Signal Profiler
Check which of the 40+ engineered credit signals your underwriting policy actually uses. Coverage score, tier badge, gap report, highest-impact recommendation.
Open profiler →Reconciliation ROI Calculator
Estimate the cost of manual reconciliation, the post-automation exception reduction, working capital release, and payback period in months.
Open calculator →BSA Build vs Buy Calculator
Quantify the 3-year TCO of building an in-house bank statement analyzer vs licensing one. Surfaces co-op bank coverage cost, bank format drift maintenance, accuracy ceiling.
Open calculator →BSA Accuracy Benchmark Framework
Side-by-side vendor accuracy comparison with selection-bias penalty. Normalises claims and produces a 10-item bake-off checklist for lender evaluation.
Open framework →Auto Component GST Rate Finder
HSN code → GST rate lookup for Indian auto components. Engine, transmission, brakes, body, electrical, EV — 80+ codes, current FY 2026-27 rates with compensation cess flags.
Open finder →Tooling Amortisation Calculator
Compute piece-rate tooling cost recovery vs Ind AS 16 amortisation. Shortfall calculator + GST/TDS treatment per Section 31 + Section 393(1) Sl. 6(i).
Open calculator →FI Steel Yield Calculator
Coil-to-good-parts yield reconciliation for free-issue OEM steel under Rule 55. Skeleton + end scrap accounting, material-balance flag, Section 394 TCS at 1% on scrap sale.
Open calculator →Revenue Leakage Calculator
Estimate your combined annual revenue leakage across unrecovered TDS credits, GST ITC at risk, and platform or gateway fee errors — one number, decomposed by leakage class, with every assumption stated.
Open calculator →RMPV Calculator
Compute raw material price escalation (RMPV) claims for Indian auto component suppliers — JPC steel index, LME aluminium/copper, multi-material parts, trigger band, GST classification.
Open calculator →ITC-04 Job Work Tracker Template
Free downloadable ITC-04 tracker (CSV) plus an interactive deemed-supply countdown for Section 143 job-work goods. Track challan-out, challan-in, return deadline, GST liability exposure.
Open template →OEM Debit Note Register Template
Free downloadable Excel/CSV to track OEM debit notes by reason code, dispute status, GST credit-note action, and days-open ageing.
Open template →KLT Bin Float Tracker
Free returnable-packaging register — bin float reconciliation against OEM-owned KLT bins, with Schedule I deemed-supply risk flagging.
Open template →OEM Settlement Variance Analyser
Free analyser for OEM short-pay decomposition — invoice → payment → variance → reason code → GST action → recovery status.
Open template →Three-Way Match Exception Cost Calculator
Quantify the annual cost of running a 60-75% PO-GRN-Invoice exception rate — analyst hours, blended cost, working capital lock, and recoverable target.
Open calculator →Capital Goods ITC Amortisation Schedule
Generate the 60-month capital goods ITC amortisation schedule under Rule 43 of CGST Rules. Calculate reversal liability if asset is sold mid-life.
Open tool →Purchase-of-Goods Withholding (Section 393(1) Sl. 8(ii) / Code 1031) Determiner
Determine when buyer-side TDS on purchase of goods applies — Section 393(1) Sl. 8(ii), code 1031, 0.1% above ₹50 lakh per supplier PAN. Includes 206C(1H) abolition note and FY 2025-26 vs FY 2026-27 cross-era handling.
Open determiner →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.
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.
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