Financial Health Analyzer
Export your P&L and balance sheet from Tally, Zoho Books, QuickBooks or Excel as .xlsx or CSV and drop them here. The analyzer reads the line items, computes the ratios a lender or a CA would look at first, scores five pillars, and ranks what to fix first. Your figures never leave this tab.
Reads .xlsx and CSV · 15 metrics, 5 pillars · deterministic fix-first triage · nothing uploaded, nothing stored
1 · Your statements
Files are read in your browser and never uploaded. Line items are recognised by name (Revenue, Cost of goods sold, Trade receivables…); you confirm the mapping before anything is computed.
Templates, if your export looks different: P&L (monthly) · Balance sheet · Customer revenue
What the analyzer measures — and why these fifteen
📈 Revenue
Growth against the previous period, year-on-year against the same period a year earlier where the data reaches back that far, and the trend — the average of the latest half of the last six periods against the earlier half — so one strong month does not read as growth.
💹 Profitability
Gross margin (revenue less cost of goods sold, over revenue) is what the business earns on the product itself; EBITDA margin adds back interest, depreciation and tax to show the operation's own earning power; net margin is what reaches the owners. The gap between the three tells you where the money goes.
💧 Liquidity
Current ratio — current assets over current liabilities — asks whether what turns to cash within a year covers what falls due within a year. Cash runway — cash over average monthly burn — asks how many months a loss-making business has before it needs money.
🔄 Working capital
Receivable days (how long customers take to pay), payable days (how long you take to pay suppliers) and inventory days (how long stock sits). Together they are the cash cycle: receivable days plus inventory days minus payable days is the number of days of sales you are financing yourself.
⚠️ Risk
Customer concentration — the largest customer's share of revenue — from a customer-wise list; margin compression — the change in gross margin over the last periods; debt burden — borrowings over EBITDA and EBIT over interest, the two numbers a lender reads first.
🩺 What to fix first
A fixed triage: liquidity problems outrank profitability, which outranks growth; within that, the further a metric sits outside its band the higher it ranks. Each item names the number, why it matters and a concrete action. Deterministic — the same file always gives the same order; no model is involved, so nothing can be invented from your figures.
How to use it in five minutes
- Export the P&L and balance sheet from your accounting software as Excel or CSV — monthly for the last 6–12 months if you can, one column per month; annual statements work too.
- Drop the files above. Add a two-column customer-revenue list if you want the concentration check.
- Check the mapping. The engine recognises standard names ("Revenue from operations", "Trade receivables", "Finance cost"); anything it guessed is shaded — correct it or set it to "not used".
- Read the score and the fix-first list, then open each metric to see the formula and the exact figures it used.
- Copy the summary for your CA or banker, or paste it into an AI assistant for a narrative — it contains ratios only, no amounts.
Educational analysis of the figures you supply — not an audit, a valuation or advice. Benchmarks are general; industries differ. For the tax side of the same numbers see the Business Tax Decision Intelligence tool and the GST and advance tax calculators.
Questions people ask
- What files can I upload?
- Excel workbooks (.xlsx) and CSV or TSV exports from Tally, Zoho Books, QuickBooks, Busy or a spreadsheet. Either layout works: line items down the rows with months, quarters or years across the columns, or periods down the rows with items across. Old binary .xls files and PDF statements cannot be read in the browser — save as .xlsx or export a CSV.
- Is my data uploaded anywhere?
- No. The file is read by JavaScript inside your browser tab; the site's security policy allows the page no connection to any other server, and nothing is written to storage. Close the tab and the figures are gone. The "copy a summary" button copies ratios only, never line items or amounts.
- How is the Financial Health Score calculated?
- Fifteen metrics across five pillars — revenue, profitability, liquidity, working capital and risk — are each graded against a published band and weighted; the score is points earned divided by points your data could support, so a metric your file cannot provide is left out rather than assumed. A score is shown only when at least three pillars have data.
- What is cash runway and how is burn calculated?
- Cash and bank balance divided by the average monthly net loss over the last three periods (EBITDA is used if net profit is missing; quarterly or annual figures are converted to monthly). A profitable business shows "not burning cash".
- How does "what should I fix first" decide?
- A fixed rule set, the triage a CA applies: liquidity problems (runway, current ratio, interest cover) outrank profitability, which outranks growth; within that, the further a metric is outside its band the higher it ranks. Priority = urgency × 2 + severity × 3 + pillar weight ÷ 5. It is deterministic — the same file always gives the same order — and no AI model is involved, so nothing can be invented.
- What benchmarks are the bands based on?
- General working-capital and credit-analysis conventions: current ratio 1.5–3 comfortable and below 1 stressed; receivable days under 45 strong and over 90 slow; debt to EBITDA under 2.5 comfortable and over 4 heavy; interest cover over 3 comfortable; a single customer above 40% of revenue a dependence. Industries differ — a distributor runs thinner margins than a software firm — so read the grade against your own sector.
- Which line items does it need?
- For the P&L: revenue, cost of goods sold (or gross profit), operating expenses, depreciation, finance cost, profit before tax, tax and net profit — the more of them, the more metrics. For the balance sheet: cash, trade receivables, inventory, total current assets, trade payables, total current liabilities, borrowings and equity. A customer-wise revenue list (two columns) adds the concentration check. Download the templates on the page to see the shape.