Ratio "What-If" Stress Simulator

About this Tool

Purpose: Experiment with accounting choices to see how they impact your bankable ratios. Based on real-world Case Studies where "Window Dressing" or "Tax Planning" triggered credit reassessments.

Credit Managers Tax Accountants CFOs

1. Base Financials

Current Assets (₹ Lacs)

Current Liabilities (₹ Lacs)

Long Term Liabilities

Tangible Net Worth

Net Sales

Reported Net Profit

2. Stress Scenarios

Capitalize Expense? (₹ Lacs)

Move expense to Fixed Asset₹0

Increases Profit & Net Worth.

Inventory Audit Loss? (₹ Lacs)

Discard non-moving stock₹0

Decreases Liquidity & Net Worth.

Debt Reclassification? (₹ Lacs)

Move LT to Current Liability₹0

Revenue Deferral? (₹ Lacs)

Conservative Income policy₹0

3. Impact Matrix

Current Ratio 1.43

Base: 1.43Min Req: 1.33

Debt-Equity (TOL/TNW) 0.67

Base: 0.67Max Cap: 2.00

Net Profit Margin (%)10.0%

Base: 10.0%