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You have been on both Anthropic Claude Max ($200/mo) and OpenAI ChatGPT Plus ($20/mo) for 7 months. Combined: Rs 18,361 per month. Last 90 days of activity in your email shows 84% of your AI-related forwarded threads referenced Claude, 11% ChatGPT. The ChatGPT subscription has not been touched (no app or web activity flagged in any digest) in 41 days.
Your Google One 2TB plan has been auto-debiting Rs 590/mo since May 2024. Last sign-in to drive.google.com (per OAuth audit) was 187 days ago. Your iCloud 2TB plan absorbs the same use case. Cancel link is in the Google account settings, deep-link below.
Dropbox Plus is debiting $19.99/mo via your HDFC ****3041. You have not logged in since 04 Jan 2026. Across your three Gmail accounts, no Dropbox shared-link emails have arrived in 5 months. Annual cost: $240 (Rs 20,028). Cancellation is one-click via the deep link.
You are 60 EMIs into a 240-month Axis home loan at 8.7% with Rs 38.4L principal remaining. Forecast shows Rs 14.2L in liquid savings by 31 Jul 2026. A Rs 5L partial prepayment in July would shave 38 months off the tenure and Rs 4,12,800 from total interest paid. Banks must waive prepayment penalty on floating-rate home loans per RBI rules.
AWS spend over the last 12 months: $4,996, up 38% from the prior year (mostly EC2 t3.xlarge instances and S3 egress). You have been an AWS customer since March 2021 (52 months). AWS retention typically offers 10-20% credit packages for accounts over $5K/yr. Drafted email is below: friendly, specific, references your tenure and asks for a 12-month credit package.
FY 2025-26 (so far): Anthropic, AWS, Hostinger, Notion, Linear, Resend, Cursor, Vercel total Rs 2,18,400 in business-software expenses paid from the proprietorship card. All flow through Section 37 of the Income Tax Act as ordinary business expenses. CA-ready PDF with line items and INR conversion (at RBI rate on payment date) is generated and waiting.
Your normal Uber weekly spend over the trailing 12 weeks was Rs 1,628. Last week was Rs 6,840 across 9 rides, including a Rs 2,400 outstation trip on Tuesday. Confirm this was a legitimate business trip so we can tag the four city rides as travel reimbursable and the outstation trip as a personal expense, or vice versa.
Last 12 months show 7 INR-USD conversions for US software subscriptions, with a blended spread of 2.4% over interbank rate (typical for credit card cross-border). Routing those purchases through a Wise USD account funded once per quarter would compress the spread to around 0.6%. Estimated savings on $4,800/yr USD outflow: Rs 14,200.
Current outstanding on the Regalia is Rs 2,73,000 against a Rs 3,50,000 limit. Statement closes on 30 May 2026. CIBIL pulls utilization from the statement snapshot. Paying down to under 30% (Rs 1,05,000) before 30 May avoids the higher-utilization signal on your next CIBIL refresh.
Axis Magnus US dollar card statement for May closed on 22 May 2026. Total due: $1,847 (Rs 1,54,168). Min due: $93 (Rs 7,762). Autopay is set to min-due only, which would leave $1,754 carrying interest at 36% APR. Recommend paying the full balance from Axis USD Treasury account.