Milanaire

Cashflow Clarity Checklist

A 5-minute monthly audit to know exactly where your money stands in a world of credit cards and EMIs.

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The Pulse Check 2 min
0/4
Like checking blood pressure. You don't need to be a doctor, you just need the reading.
Monthly take-home income
Salary + freelance + any other inflows, after tax
₹
Total monthly expenses (non-EMI)
Rent, groceries, utilities, transport, subscriptions, lifestyle
₹
Total monthly EMI outflow
Home loan + car + personal loan + BNPL + any other EMIs
₹
How much did you actually save/invest this month?
₹
Savings Rate
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The EMI Load 1 min
0/4
EMIs are subscriptions to your past decisions. Know what you're still paying for.
How many active EMIs are you running?
Do you know the exact end-date of every running EMI?
Any new EMI or BNPL taken in the last 30 days?
Do you convert credit card spends to EMI?
EMI-to-Income Ratio
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The Credit Card Game 1.5 min
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A credit card is a knife. In a chef's hand it creates. In a child's hand it cuts. Which hand is yours?
How many credit cards do you have?
Total credit limit across all cards
₹
Current total outstanding
Check your apps right now. What's the number?
₹
Last month, did you pay the full statement balance on every card?
Do you know your billing cycle dates?
Statement generation date → due date = your float window
Do you time big purchases to maximize interest-free float?
Buying on Day 1 of billing cycle = up to 50 days interest-free
Credit Utilization
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The Runway 30 sec
0/2
If your salary stopped tomorrow, are you a plane that can glide or a stone that drops?
Liquid emergency fund right now
Savings account + liquid mutual funds + FD you can break
₹
One thing you'll fix before next month's audit
Survival Runway
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Your Cashflow Health

Based on your numbers, not opinions

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out of 100
Savings Rate
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EMI Load
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Card Utilization
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Runway
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Meanwhile, set a reminder: 1st of next month, 5 minutes, this checklist again.

If you can't fill this in 5 minutes, that is the finding.
Clarity isn't about perfection. It's about knowing.
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