“Am I Actually Making Money, and Where is My Money Going?”
Tailored for Indian retail kirana shops, Instagram & WhatsApp sellers, home bakeries, freelancers, and local service businesses. Zero complicated accounting jargon. 100% free with zero login.
Live Business Health & Leak Score (0–100)
Instant multi-pillar diagnostic with prioritized action items for this week.
Business Financial Health Score
Real-time evaluation of margin stability, cash runway velocity, and collection discipline.
Fix These 3 Things This Week (High-ROI Priorities)
Collect ₹33,000 in customer Udhaar balances overdue by sending polite WhatsApp reminders.
Review discounting and shipping packaging: Your net margin of 6.5% leaves little safety buffer for seasonal lulls.
Audit recurring supplier raw material invoices for bulk discounts or 30-day supplier credit terms.
Operational Utilities & WhatsApp Tools
Daily habit loops: generate estimates, send polite payment reminders, track DM orders, and forecast cash flow.
1-Click WhatsApp Quote Generator
Generate professional estimates for WhatsApp with itemized line items, delivery, discount, and direct UPI payment ID.
Udhaar Ledger & Payment Reminders
Never feel awkward collecting pending money. Select from 4 tones (Friendly, Formal, Firm, Urgent) and dispatch reminders in 1 click.
WhatsApp & DM Order Manager
Log customer chat orders, track prepaid vs COD delivery status, and calculate live gross profit on every sale.
Dead Stock & Capital Auditor
Uncover money trapped in stock not sold for >90 days. Get actionable flash liquidation pricing to unlock working capital.
30-Day Business Cash Calendar
Forecast your bank balance over the next 30 days after rent, staff wages, GST taxes, and supplier cheques clear.
Day-End Cash & UPI Reconciliation
Close your shop register in 90 seconds. Tally drawer cash count against expected sales and verify digital PhonePe/GPay settlements.
Employee True Cost & Hourly Rate
A ₹18k salary costs ~₹23k in real cash. Factor bonuses, daily tea allowances, uniform wear, and PF/ESI to calculate true hourly costs.
Minimum Order Value (MOV) Sizer
Stop losing money on small ₹299 free delivery orders. Calculate your exact profitable minimum cart threshold.
AI Business Diagnostic & Advisor
Heuristic financial intelligence pinpointing root causes of declining margins, with 3 high-ROI weekly action items.
Profit Intelligence & Margin Sizing
Reverse-engineer your pricing, stop profit leaks, protect margins against discounts, and size delivery RTO losses.
Daily Profit & Rupee Breakdown
Enter today’s sales across Cash, UPI, and Udhaar credit. See your exact net take-home cash and where every ₹100 earned went.
Monthly P&L & Profit Leak Finder
Stop confusing top-line revenue with true profit. Autodetects hidden bleeds across marketplace commissions, courier freight, rent, and ad spend.
Product Pricing with Marketplace Slabs
Never underprice on e-commerce again. Reverse-engineers selling prices with authentic Indian referral fees, closing fees, GST, and gateway cuts.
Discount Profit Crash Simulator
Think a 20% discount costs 20%? See how it destroys over 50% of your real profit and forces you to sell 2x volume just to stay even.
Break-Even & Survival Quota
Calculate the exact monthly turnover and daily orders needed just to pay your rent, staff salaries, electricity, and loan EMIs.
Sales Targeter (Pocket ₹1 Lakh Net)
Reverse-engineers your daily sales and order volume from your personal dream salary after deducting all product costs and overheads.
Cash-Flow Survival Runway
Profit on paper doesn’t pay suppliers. Calculate the exact number of days before your bank balance runs dry if receivables stall.
Courier Delivery & RTO Bleed Sizer
Cash on Delivery (COD) returns ruin margins. Calculate the hidden RTO tax per delivered order and discover how to slash returns by 50%.
Built for Real Indian Small Business Realities
Standard Western SaaS tools assume 100% card payments and next-day deposits. We build for the Indian SMB operating reality.
Retail Kirana & General Stores
Track Cash in drawer vs PhonePe/GPay QR vs local customer Udhaar ledger. Know your actual net margin after helper daily wages and shelf rent.
Instagram & WhatsApp D2C Sellers
Model 500g shipping freight, bubble packaging, and 25% COD Return to Origin (RTO) losses before quoting prices in direct messages.
Home Bakeries & Cloud Kitchens
Factor electricity bursts for commercial ovens, customized cake packaging, delivery rider charges, and raw ingredient price spikes.
Freelancers & Boutique Agencies
Know your real billable day rate after accounting for unpaid client payment delays, TDS deductions, and software subscriptions.
Salons, Spas & Beauty Parlours
Calculate service margins after product consumption (bleach, wax, shampoo), water heaters, AC power bills, and staff commission splits.
Mobile & Electronics Repair
Calculate true repair profit per screen or battery replacement after deducting spare part transit, warranty replacements, and shop rent.
Frequently Asked Questions
Common financial and cash-flow questions answered for Indian entrepreneurs.
Why do Indian small businesses confuse turnover with real profit?
Most small business owners look at their UPI collections or bank credits and assume high sales equal high profits. In reality, product purchase costs (COGS), marketplace commission fees (12–18%), packaging, 500g shipping freight, shop rent, staff wages, and electricity quietly eat up 80%–90% of revenue. Kagazo breaks down every single rupee so you know your true take-home pay.
How does the 0–100 Business Health Score work?
Our proprietary algorithm evaluates your business across 5 critical pillars: Gross Margin Safety (>=45%), Net Margin Buffer (>=18%), Udhaar / Credit Dependency (<20% of sales), Operating Expense Burden (<25% of turnover), and Cash Runway (>90 days). It awards a score from 0 to 100 and outputs the 3 highest-priority fixes for this week.
Why is there no login or phone number required?
Unlike Khatabook or Vyapar which lock you behind mobile OTP walls and app downloads, Kagazo is 100% web-first and runs all financial formulas client-side inside your browser. Your sensitive daily sales numbers never touch our servers.
How do the WhatsApp tools work?
Both the WhatsApp Quote Generator and Udhaar Reminder tool run directly in your browser. When you click "Send via WhatsApp", they automatically format your text and open official WhatsApp Web or the WhatsApp mobile app using secure WhatsApp Deep Links (`https://wa.me/...`). Zero third-party API tokens or access permissions required.