FINBIZTOOLS
Guides & Resources
Practical guides to help you understand finance, business, documents and everyday productivity tools.
Finance Guides
What Is CAGR?
CAGR is the constant annual growth rate that connects an initial value to a final value over a specified number of years. It smooths the journey between those two values.
Read guide →ExplainerWhat Is XIRR?
XIRR estimates an annualized return using the amount and actual date of each cash flow. It is useful when investments or withdrawals are irregular.
Read guide →GuidePPF Explained: Reading a Projection
A PPF projection estimates contributions and interest under selected assumptions. Holding one interest rate constant across many years does not establish what future notified rates will be.
Read guide →GuideNPS Explained: Corpus and Pension Estimates
An NPS projection separates the accumulated corpus from the portion assumed to purchase an annuity and the amount assumed available as a lump sum. These are planning assumptions, not an exit entitlement.
Read guide →ExplainerWhat Is SIP and How Does SIP Work?
Learn how SIP investing works, how regular contributions and compounding affect an illustration, and which risks to consider.
Read guide →ComparisonSIP vs Lump Sum: Understanding the Difference
Compare periodic SIP contributions with lump-sum investing, including timing, cash-flow considerations and risk.
Read guide →How-toHow Is EMI Calculated?
Understand the EMI formula, principal, monthly interest, tenure, total interest and repayment with a worked example.
Read guide →ExplainerHome Loan EMI Explained
Learn how home-loan principal, interest, tenure, amortization and prepayments affect an EMI estimate.
Read guide →Business & Tax Guides
Profit Margin vs Markup: Key Differences
Margin measures profit relative to selling price. Markup measures profit relative to cost. The same rupee profit therefore gives different percentages.
Read guide →TutorialHow to Calculate Break-Even Point
Break-even volume is the sales quantity whose contribution covers fixed costs for the same period. Contribution is selling price minus variable cost per unit.
Read guide →ChecklistHow to Track Business Expenses
Record each expense once with its date, category, description and amount, then reconcile totals with supporting records. A consistent log is more useful than an elaborate category list.
Read guide →GuideHow to Manage Business Cash Flow
Cash flow tracks money received and paid during a period. Add net cash flow to opening cash to estimate the closing balance. Profit and cash flow are different measures.
Read guide →GuideBasic Inventory Management
Track units coming in and going out, reconcile them to a physical count and value remaining units under a clearly stated costing assumption.
Read guide →Tax guideWhat Is GST and How Is GST Calculated?
Understand taxable value, inclusive and exclusive GST calculations, with simple educational examples and official references.
Read guide →Tax guideCGST vs SGST vs IGST Explained
Understand CGST, SGST or UTGST and IGST in simplified intra-state and inter-state examples.
Read guide →Tax how-toHow to Create a GST Invoice
Learn the typical parts of a GST invoice and prepare a draft using the invoice generator or Excel template.
Read guide →Document Guides
How to Compress a PDF
Use the PDF Compressor to reserialize a PDF with optimized object streams, then compare actual file sizes. It may not make the file smaller.
Read guide →How-toHow to Compress Images Without Losing Too Much Quality
Learn how format, resolution and quality settings affect image size and visual quality for websites and sharing.
Read guide →How-toHow to Merge PDF Files
Learn how to combine PDFs in the intended order, verify the result and understand local browser processing.
Read guide →Productivity Guides
How to Use a Monthly Budget Template
Use the Monthly Budget workbook to compare income, living expenses and planned savings for one month. It is a planning sheet, not an automatic bank feed.
Read guide →Template GuideHow to Use an Expense Tracker
Use the Personal Expense Tracker to record transactions and review category summaries. Enter each transaction once and preserve the summary formulas.
Read guide →Template GuideHow to Use a SIP Planner
Use the SIP Planner workbook to explore contributions and hypothetical growth. Treat expected return as an assumption, not a forecast or fund recommendation.
Read guide →Template GuideHow to Use an Inventory Template
Use the Inventory Tracker workbook to maintain a row for each SKU and calculate closing units, cost value and low-stock flags. Reconcile it with real stock counts.
Read guide →Template GuideHow to Use a Cash Flow Template
Use the Cash Flow workbook to reconcile opening cash, receipts, payments and ending cash for one period. Separate actual cash movements from forecasts and unpaid invoices.
Read guide →How-toHow to Create a Monthly Budget
Build a simple monthly budget using income, fixed and variable expenses, savings and periodic reviews.
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