New for 2026 · First batch 01 June

Finance Fluency.

EAP taught you to manage your employer's books. Finance Fluency teaches you to manage your own money with the same discipline. ~100 hours, AI-augmented from module one, capped with a capstone on your own financial life.

Reserve your seat See the curriculum

New to Vivac? Start with EAP  →

Vivac classroom — Finance Fluency context
Step 2 · Post-EAP

From accountant to wealth-fluent — in the same building.

Prerequisite: Finance Fluency assumes EAP-level fluency in basic accounting. Start with EAP  →
Duration
~100 hoursPost-EAP, AI-augmented
Fee
₹15,000+ 18% GST
First batch
01 June 2026Limited seats
Format
BlendedLive + AI workflows
What you'll learn

Six modules. One you, fully in control of your money.

EAP gave you the skills employers pay for. Finance Fluency turns those same skills inward — onto your own cash flow, tax, investing, and long-term wealth. AI workflows from day one.

01

Personal cash flow & budgeting

Build the household equivalent of a P&L and cash flow statement on the Excel you already know. Track income, expenses, savings ratio, and burn — in your own life.

Excel Cash flow Budgeting
02

Personal tax — ITR & new-regime maths

Filing your own ITR. Old regime vs. new regime — actually computing which one saves you more. Section 80C/80D/HRA planning. Capital gains on equity, real estate, gold.

ITR New regime 80C / HRA
03

Investments — funds, equity, fixed income, gold

Mutual funds (active vs index), direct equity basics, fixed deposits and govt schemes (PPF, NSC, SCSS), gold (digital vs physical). What to use, when, and how much.

Mutual funds Equity PPF Gold
04

AI-assisted financial decisions

Prompting LLMs (ChatGPT, Claude, Gemini) for personal finance modelling. Building reusable prompt templates. Automating expense classification with AI. When AI helps and when it misleads.

ChatGPT Prompts Automation
05

Four working files for life

A personal balance sheet, a monthly cash flow tracker, a goal-funding planner, and a tax-planning workbook — all yours, kept and refined for life. Built in class, used forever.

Balance sheet Cash flow Goals
06

Capstone — on your own numbers

End-of-program project: you produce a complete financial plan for your own life — net worth statement, 3-year cash flow projection, tax plan, and investment allocation. Reviewed by a CA.

Capstone CA-reviewed Your numbers

An accountant who manages personal wealth as rigorously as their employer's books.

That's the Finance Fluency graduate. By the time you finish, you'll have spreadsheets you'll use the rest of your life, an AI workflow that compounds over decades, and a financial plan reviewed by a Chartered Accountant — yours.

Course fee & first batch

One clear fee. Limited seats in the first batch.

The first Finance Fluency cohort is intentionally small — we want every student in the capstone review. Reserve early.

Course Fee
₹15,000 + 18% GST · ₹17,700 total

Fee includes live sessions, AI prompt-template library, the four lifetime spreadsheets, and a one-on-one capstone review with a Chartered Accountant.

First batch starts

01 June 2026
Limited seats. Reserve via WhatsApp +91 98849 84822. Open to EAP graduates and equivalent.
Frequently asked

Finance Fluency, in detail.

Who can enrol in Finance Fluency?+
Vivac EAP graduates and equivalent. The program assumes you're comfortable with basic accounting — preparing journal entries, reading a P&L, understanding GST and TDS. If you're new to accounting, start with EAP first.
Does Finance Fluency include placement?+
No — Finance Fluency is a personal-finance and AI-skills program, not a job-placement program. The placement guarantee applies to EAP. Finance Fluency is for people who already have (or want) a career in accounting and want to apply the same discipline to their own money.
What AI tools are taught?+
ChatGPT, Claude, and Gemini for everyday personal-finance use. Plus simple no-code automations for expense classification and bank-statement parsing. The focus is on building reusable prompt templates and judgement about when AI helps vs. misleads — not on any single tool.
Why does Finance Fluency exist?+
Most accountants we train can produce excellent financial statements for their employer but have no working spreadsheet for their own household. Finance Fluency closes that gap. The program was born from watching dozens of EAP graduates ask Suraj the same question: "How do I manage my own money?"
What do I get to keep?+
Four working spreadsheets (personal balance sheet, cash flow tracker, goal planner, tax workbook), a library of AI prompt templates for personal finance, and a capstone financial plan reviewed by a CA — all yours, refined for life.
Is the first batch online or offline?+
Blended. Live sessions at Anna Nagar with full online streaming option. The capstone review happens one-on-one, either in person or video call — whichever you prefer.
First batch · 01 June 2026 · Limited seats

Manage your money the way you'll soon manage your employer's books.

Vivac's Step 2 program. Built for accountants who want to live the discipline they sell. Reserve your seat in the first batch.

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