28 calculators, one tested formula engine

Every figure here is worked out by tested code, not by the assistant. Pick a tool from the list on the left, or browse the categories below.

Try any tool with sample data Analyse my own document

Loans and debt

EMI calculatorMonthly instalment, total interest and total repayment for a reducing-balance loan.Open Amortisation schedulePeriod-by-period split of each instalment into interest and principal.Open Prepayment impactInterest and tenure saved by a one-off lump-sum prepayment at a constant EMI.Open Loan affordabilityLargest EMI and principal supportable at a chosen obligation-to-income limit.Open Refinance break-evenMonths of EMI saving needed to recover the cost of switching lender or rate.Open Effective annual rateConverts a nominal rate at any compounding frequency into an effective annual rate.Open Flat vs reducing rateReducing-balance rate equivalent to a flat-rate quote, exposing the real cost.Open

Investment and planning

SIP projectionFuture value of a fixed monthly contribution at an assumed constant return.Open Lump-sum growthCompound growth of a single amount over time.Open Goal plannerMonthly contribution required to reach a target amount by a target date.Open Present valueToday's value of a future amount at a chosen discount rate.Open CAGRCompound annual growth rate between an opening and closing value.Open Net present valueDiscounted value of a project's cash-flow series.Open Internal rate of returnRate at which a cash-flow series has zero net present value.Open Inflation-adjusted valuePurchasing power of an amount after a period of inflation.Open Prepay debt vs investShows both outcomes for a monthly surplus without recommending either.Open

Profitability

Margin analysisGross, operating and net margin from a profit-and-loss summary.Open Markup and marginConverts between cost-based markup and price-based margin.Open Break-even analysisUnits and revenue required to cover fixed costs.Open Return on investmentSimple ROI on a spend or project.Open

Ratios and coverage

Liquidity and leverageCurrent ratio, quick ratio, working capital and debt-to-equity.Open Coverage ratiosDebt-service coverage and interest coverage.Open Burn rate and runwayMonthly net burn and months of runway at the current rate.Open Growth and volatilityGrowth, average, standard deviation and coefficient of variation for a series.Open

Merchant economics

Payment processing costMDR, per-transaction fees and GST on fees as a share of card volume.Open Settlement delay impactWorking capital tied up by settlement lag and its carrying cost.Open Refund and chargeback impactRevenue, margin and fee impact of refunds and chargebacks.Open Merchant unit economicsContribution per order and the order volume needed to cover fixed costs.Open

Upcoming tools

Listed here and in the sidebar so the roadmap is visible. None of these can be run yet, and none of them show a figure until the formula behind it is written and tested.

Invoice-level GST reconciliation
Planned
The GST estimator ships now from confirmed statement rows; matching it to individual invoices needs an accounting connection.
Merchant economics
Cash-flow forecasting
Research
Forward projection from confirmed periods, held back until the assumptions are defensible.
Cash-flow analysis

This is an educational estimate based on the information and assumptions provided. It is not a loan offer, approval, credit decision or financial advice. Actual eligibility depends on the lender's underwriting policy, credit checks, documentation and applicable regulations.