Free SEC filing & accounting tools · no signup

Forty free tools from the filing seat.

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.

See the tools work · three of the forty
Premium · Unfolding Equity

Connected, saved, and audit-ready. One price, employees free.

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 Equity

Equity and rewards

  • Equity Explorer and cap table
  • Total Rewards statements
  • Section 16 and Form 4
  • ASC 718 expense and disclosure

For information only. Not legal, tax, or accounting advice.

Why they're free · who built them

The full analysis, on screen, before anyone asks who you are.

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.

US CPA MBA · IIM Ahmedabad 10 years · US-listed public-company finance US + India · run first-hand Zero restatements · zero late filings
Terminology

The terms your auditor will use, in plain English.

Not a data dump: these are the terms that come up inside the tools, defined the way you would explain them across a desk.

ASC 205-40 · Going concern
The standard that asks: can this company meet its obligations for one year from the date the financials are issued? If substantial doubt exists, it must be assessed and disclosed.
Substantial doubt
The trigger phrase of ASC 205-40: conditions make it probable the company cannot meet obligations within one year of issuance, considered before and after management's plans.
ASC 606 · Revenue
The five-step model for when and how much revenue you may recognize: contract, performance obligations, price, allocation, timing.
ASC 842 · Leases
Almost every lease goes on the balance sheet as a right-of-use asset and a lease liability. The math is mechanical; the scoping is where the errors live.
ASC 230 · Cash flows
Which bucket each cash movement belongs in: operating, investing, or financing. Misclassification here is a classic restatement trigger.
ASC 280 · Segments
How the business is sliced for disclosure, driven by what the chief operating decision maker actually reviews, not by the org chart.
ASC 815-40 · Warrants
Decides whether a warrant is equity or a liability remeasured through earnings every quarter. The classic small-cap trap standard.
ASC 326 · CECL
Expected credit losses: reserving for receivables based on what you expect to lose over their life, not just what has already gone bad.
Reg S-X
The SEC's rules for the financial statements themselves: form, content, and which periods must be presented.
Reg S-K
The SEC's rules for everything around the financials: MD&A, risk factors, controls disclosure, governance.
MD&A · Item 303
Management's discussion and analysis: the narrative explaining results, liquidity, and known trends. The section the SEC comments on most.
Item 404 · Related party
Transactions between the company and its officers, directors, or large holders must be disclosed above set thresholds. The footnote most often missing.
Form 8-K
The current report: material events disclosed under numbered items, generally within four business days.
Form NT · Rule 12b-25
The "we will be late" filing. Filed on time, it buys 5 extra days for a 10-Q and 15 for a 10-K. It is a disclosure, not an absolution.
Filer status
Large accelerated, accelerated, non-accelerated, smaller reporting company: your bucket sets your deadlines and disclosure load.
DEF 14A · Proxy
The proxy statement for the shareholder meeting: compensation, governance, and the items being voted on, on its own unforgiving timeline.
Material weakness
A control deficiency severe enough that a material misstatement could get through undetected. Publicly disclosed; remediation is tracked by everyone who matters.
Significant deficiency
Less severe than a material weakness: important enough to report to the audit committee, but not required in the public filing.
SOX 404 · ICFR
Internal control over financial reporting: the annual assessment that the machinery producing your numbers actually works.
Filing-seat rule of thumb
If a term in a tool surprises you, that is usually the tool doing its job. Every citation links to the source so you can read the actual rule.
The full catalog

Forty of these. One for each place a filing goes wrong.

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.

Disclosure and accounting deep-dives

Annual Meeting & Proxy Timeline

New

Work backward from your meeting date: every proxy, broker-search, and notice deadline with holiday rolls, plus .ics export.

▶ Demo & guideOpen the tool

Cash Runway & Going Concern

New

Runway measured to the ASC 205-40 one-year-from-issuance horizon, with substantial-doubt screening and management-plans logic.

▶ Demo & guideOpen the tool

Related-Party Disclosure Screener

New

Item 404 and ASC 850: who counts, what crosses the threshold, and what your proxy and footnotes must say.

▶ Demo & guideOpen the tool

Convertible Note Derivative Screener

New

ASU 2020-06 world: does your note carry an embedded derivative that must be bifurcated, or not.

▶ Demo & guideOpen the tool

Segment Reporting Tester

New

ASC 280 with ASU 2023-07: quantitative thresholds, aggregation, the 75% test, and single-segment disclosures.

▶ Demo & guideOpen the tool

Revenue Recognition (ASC 606) Screener

New

The five-step model on your actual contract: gross vs net, SSP allocation, and timing red flags.

▶ Demo & guideOpen the tool

Lease Accounting (ASC 842) Calculator

New

Embedded-lease test plus ROU asset and lease liability computed to the cent, with the amortization walk.

▶ Demo & guideOpen the tool

Cash Flow Classification (ASC 230)

New

Operating, investing, or financing: the classification calls that trigger restatements, answered line by line.

▶ Demo & guideOpen the tool

Hiring & Termination Helper

New

Offer, classification, and separation mechanics for finance teams, with state-law cautions.

▶ Demo & guideOpen the tool

Employee Evaluation Builder

New

A structured, defensible review framework for finance functions: criteria, ratings, and documentation.

▶ Demo & guideOpen the tool
For founders & owners. Hard money decisions

UV Pre-Mortem

New

Turn 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 tool

Runway War-Room

New

The 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 tool

Pricing Decision Engine

New

Absorption 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 tool

Runway & Burn

How 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 tool

Break-even & Pricing

New

The 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 tool

Unit Economics (LTV:CAC)

New

Do your customers make money? LTV, the LTV:CAC ratio investors check, and CAC payback period. Scored against the 3:1 bar.

▶ Demo & guideOpen the tool

Cash Conversion Cycle

New

How 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 tool

Price-Increase Simulator

New

Raising prices? See the profit impact and exactly how many customers you can afford to lose and still come out ahead.

▶ Demo & guideOpen the tool

Founder Ownership Calculator

New

Raising 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 tool

Profitable but Broke

New

Your 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 tool

Equity & Co-Founder Room

New

Splitting 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 tool

These 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.

Questions, answered straight

The things people ask before they trust a free tool.

Are these SEC filing tools really free?

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.

Do you see my numbers?

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.

How accurate are the tools?

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.

Who is behind these tools?

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.

What is the catch?

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.

Can I save my work?

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.

When a tool is not enough

Some gaps need a person. That is the honest part.

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.