The draft is done, the deadline is tomorrow, and exactly one person has truly read the document: the person who wrote it. Every tool here is a second set of senior eyes. Free, on screen, before anyone asks who you are.
The tools above are free and always will be. When you want one saved, connected to your data, and tracked quarter over quarter, that is the premium version, and it lives inside Unfolding Equity for one flat price: $720 a month, or $7,200 a year with two months free.
See Unfolding EquityFor information only. Not legal, tax, or accounting advice.
Most free tools online lock the answer behind "enter your work email." These do the opposite: the complete result renders free, and the math runs in your browser. Email exists to send you the report you already saw. An account exists to save your work between quarters. Neither ever unlocks content, because nothing is locked. Trust is the only thing that sells senior finance work, and this is how it is earned.
Every tool was built by Rohit Goel, a US CPA who has led finance and accounting for a US-listed public company for ten years and reviews these exact filings every quarter. Each item exists because, in a real filing, it was once the thing that almost got missed. The record is EDGAR-verifiable: zero restatements, zero late filings, zero audit qualifications. And every tool has its own guide page that explains it and shows it working before you commit a minute to it.
Not a data dump: these are the terms that come up inside the tools, defined the way you would explain them across a desk.
Grouped the way the work actually arrives. Screeners give a verdict in minutes; the deep assessments walk the whole document. Everything free, everything on screen.
62 sections across Reg S-X, Reg S-K, and interim US GAAP. Every citation validated against primary sources. Live score, reasoned N/A, save progress. Free on screen.
▶ Demo & guideOpen the tool190 items across Form 10-K, Reg S-K, Reg S-X, and annual US GAAP. Scoped to your company profile and filer status, every citation validated against primary sources. Free on screen.
▶ Demo & guideOpen the toolEnter your fiscal year end and filer status, get every 10-K, 10-Q, and proxy deadline for the next 15 months, with weekend rolls and NT extension dates. Download as a calendar file.
▶ Demo & guideOpen the toolPaste two comparative P&L periods, get instant variance math plus AI-drafted MD&A explanations that never invent a driver.
▶ Demo & guideOpen the toolOne short email before every deadline that matters for your filer status.
▶ Demo & guideOpen the toolIs it reportable? Which item, and what's the deadline.
▶ Demo & guideOpen the toolNT 10-Q/10-K, the five-day grace, and Form 15 risk.
▶ Demo & guideOpen the toolReg G and Item 2.02 checks before the release goes out.
▶ Demo & guideOpen the toolICFR scoping under AS 2201, now scored: a 0-100 readiness score, a grade band, and a full report on your material-weakness exposure.
▶ Demo & guideOpen the toolDeficiency vs. significant deficiency vs. material weakness.
▶ Demo & guideOpen the toolItem 4.01, the transition, and what the new firm needs.
▶ Demo & guideOpen the toolIs your audit quote in line for your size and complexity?
▶ Demo & guideOpen the toolLiability vs. equity under ASC 815-40.
▶ Demo & guideOpen the toolASC 326 scoping and methodology.
▶ Demo & guideOpen the toolASC 205-40 substantial-doubt assessment, now scored: a 0-100 score, a grade band, and a full report.
▶ Demo & guideOpen the toolItem 1.05 8-K materiality screen.
▶ Demo & guideOpen the toolWork backward from your meeting date: every proxy, broker-search, and notice deadline with holiday rolls, plus .ics export.
▶ Demo & guideOpen the toolRunway measured to the ASC 205-40 one-year-from-issuance horizon, with substantial-doubt screening and management-plans logic.
▶ Demo & guideOpen the toolItem 404 and ASC 850: who counts, what crosses the threshold, and what your proxy and footnotes must say.
▶ Demo & guideOpen the toolASU 2020-06 world: does your note carry an embedded derivative that must be bifurcated, or not.
▶ Demo & guideOpen the toolASC 280 with ASU 2023-07: quantitative thresholds, aggregation, the 75% test, and single-segment disclosures.
▶ Demo & guideOpen the toolThe five-step model on your actual contract: gross vs net, SSP allocation, and timing red flags.
▶ Demo & guideOpen the toolEmbedded-lease test plus ROU asset and lease liability computed to the cent, with the amortization walk.
▶ Demo & guideOpen the toolOperating, investing, or financing: the classification calls that trigger restatements, answered line by line.
▶ Demo & guideOpen the toolOffer, classification, and separation mechanics for finance teams, with state-law cautions.
▶ Demo & guideOpen the toolA structured, defensible review framework for finance functions: criteria, ratings, and documentation.
▶ Demo & guideOpen the toolTurn any plan into a quantified failure register. Ranked risks, kill-criteria, leading indicators. And a hard verdict: proceed, guardrails, or fix first. Decide on evidence, not optimism.
▶ Demo & guideOpen the toolThe deep cash tool: net burn, compounding runway, burn multiple, 24-month projection, and a 2,500-run Monte Carlo (p10/p50/p90). Solves the least-painful cuts and the minimum raise. And when to start.
▶ Demo & guideOpen the toolAbsorption costing, overhead allocation, and break-even done for you. Product or service. Then a hard verdict: price here, too cheap, too expensive, or walk away. Every figure shows its work.
▶ Demo & guideOpen the toolHow many months of cash you have left, your zero-cash date, and what cutting costs or growing revenue actually does to both. Three real numbers in, plain English out.
▶ Demo & guideOpen the toolThe units and revenue you need to stop losing money. And what it takes to hit a profit target. Contribution margin in plain English.
▶ Demo & guideOpen the toolDo your customers make money? LTV, the LTV:CAC ratio investors check, and CAC payback period. Scored against the 3:1 bar.
▶ Demo & guideOpen the toolHow long cash is trapped between paying suppliers and getting paid. DSO, DIO, DPO. And whether you're in the rare negative-cycle position.
▶ Demo & guideOpen the toolRaising prices? See the profit impact and exactly how many customers you can afford to lose and still come out ahead.
▶ Demo & guideOpen the toolRaising on SAFEs? See in plain numbers how much of your company you'll actually keep after they convert. Including the option-pool shuffle founders forget. We explain what a SAFE is, then do the real math, with the CFO read on every result.
▶ Demo & guideOpen the toolYour P&L says profit but the bank account is empty. This finds exactly where the cash went (receivables, inventory, owner draws, loan repayments), ranks the culprits, and names the one fix. The most universal owner problem, diagnosed in plain English.
▶ Demo & guideOpen the toolSplitting equity with a co-founder? Weigh what actually matters, score each founder, and get a fair, contribution-weighted split. Plus vesting, dilution, and who-decides-what. Real cap-table math, with the structured conversation to have before you sign.
▶ Demo & guideOpen the toolGST 2.0 slabs (5/18/40), CGST/SGST/IGST split, input credit, registration check, and your GSTR cadence.
▶ Demo & guideOpen the toolFY 2025-26 old vs new regime, presumptive 44AD/44ADA, advance-tax schedule, and the records to keep.
▶ Demo & guideOpen the toolThese are decision aids, not advice. Always verify against the source and your auditor before you file. Want a human read instead? Send your last 10-Q for a free Filing Snapshot.
Yes. Every tool renders its complete analysis on screen at no cost, with no account. The optional extras, an emailed report and saved work, are also free. The paid things here are separate and clearly labeled: consulting engagements and the Unfolding Equity platform.
No. The tools compute in your browser and inputs autosave only to your own device. Data leaves your browser in exactly one case: if you tick "email me this report," the report is emailed to you and a copy is visible to us so a human can follow up if you ask. That moment is labeled, and it is a choice.
Each item is tied to its primary source: Reg S-X, Reg S-K, the ASC topics, PCAOB standards. Citations are re-verified quarterly. They are decision aids, not advice: they flag what to check, and your judgment, your counsel, and your auditor decide. Verify anything that touches a filing with a qualified professional.
One person: a US CPA (MBA, IIM Ahmedabad) who has led finance and accounting for a US-listed public company for 10 years and still reviews these exact filings every quarter. Not a content team, and not an AI scraping rule lists. The about page has the full story.
The catch, stated plainly: if a tool flags something real and you want a human on it, you might hire the person who built them. That is the whole funnel. The tools are complete either way, and most people use them and never email us. We are fine with that.
Yes. Inputs autosave to your own device as you type. A free magic-link account adds saved reports and quarter-over-quarter tracking. It never unlocks anything, because nothing is locked.
A checklist can tell you the related-party footnote is missing. It cannot draft it, defend it to your auditor, or answer the comment letter that follows. When a tool flags something real, that is where a senior partner comes in: the same person who built the tool you just ran.
The phoenix on the logo is not decoration. It is the operator who gets to fly because the filings finally hold.