76 free calculators & reconciliation tools — ClickGear Labs

PE

Personal

Calculators and everyday utilities for households, savers and borrowers

30 tools

Loans & Mortgage

7

EMI / Loan Calculator Work out the monthly instalment on any loan — home, car, personal or business — along with the total interest you will pay over its life. Mortgage Calculator The payment a lender quotes is rarely the payment you make. This adds property tax and insurance to principal and interest, so you see the whole monthly figure. Loan Prepayment Calculator Put a lump sum or a little extra each month against your loan and see exactly what it buys you — in interest saved and in months removed from the term. Amortisation Schedule See where each payment actually goes. A year-by-year breakdown of interest, principal and the balance left on your loan. Refinance & Balance Transfer Calculator A lower rate is not automatically a better deal. Weigh the saving against the switching cost and see how long you need to stay for the move to pay off. Flat vs Reducing Rate Calculator A flat rate always sounds cheaper than it is. Convert it to the reducing-balance rate a bank would have to quote for the same repayment. True APR Calculator Processing fees, insurance and charges deducted at disbursal all raise what you actually pay. This restates the headline rate as the rate you are really being charged.

Savings & Investing

9

Compound Interest Calculator See what a lump sum grows to over time, and how much of the final figure is interest rather than the money you put in. SIP Calculator Project what investing a fixed amount every month grows to — and see how much of the final figure you contributed versus what the market did. Step-up SIP Calculator Raise your monthly investment a little each year as your income grows, and see how much difference that single habit makes over a full term. SWP Withdrawal Calculator Draw a monthly income from a lump sum and find out how long it lasts — the question that matters most once you stop earning. Savings Goal Calculator Start from the number you need and the date you need it by, and find out what that means every month. Retirement Calculator Two numbers decide a retirement plan: what you will need, and what you are on course to have. This puts them side by side. XIRR Calculator The only honest way to measure a portfolio you have added to and withdrawn from at irregular intervals. Paste your dated cashflows and get the annualised return. CAGR Calculator Turn a start value, an end value and a number of years into the single annual rate that connects them. Inflation-adjusted Return Calculator A 9% return with 6% inflation is not a 9% return. See what your money is really earning once inflation and tax have taken their share.

Tax & Salary

6

Income Tax Estimator Enter your income and your country’s tax bands to get the tax due, your effective rate and what is left. Works anywhere, because you supply the bands. CTC to In-hand Salary Calculator The number on your offer letter is not the number in your account. This walks through every deduction between cost to company and monthly take-home. Gratuity Calculator Work out the end-of-service payment your years of service have earned, using your last drawn salary. Overtime Pay Calculator Work out a full week’s pay when some of those hours were overtime — at time and a half, double time, or whatever your agreement says. Notice Period & Leave Encashment Calculator Leaving a job usually involves money moving in both directions. Set the notice you did not serve against the leave you did not take. Capital Gains Tax Calculator Work out the tax on selling an asset, and what actually lands in your account once costs and exemptions are accounted for.

Everyday Utilities

8

Percentage Calculator Every percentage question answered from the same two numbers — what percentage of, what percentage is, and how much it changed. Discount Calculator Find the real price after a discount — including stacked offers, where the headline percentages never simply add up. Tip Calculator & Bill Splitter Split a bill and its tip across the table, with an option to round each share to something people can actually hand over. Fuel Cost Calculator What a journey actually costs in fuel — and what the same trip costs you over a month of repeating it. BMI & Health Calculator Body mass index with the healthy range for your height — and an honest note on what the number can and cannot tell you. Date & Time Calculator Days between two dates, working days excluded from weekends, and the date that falls a given number of days from now. Unit Converter Convert between metric and imperial across length, mass, volume, area, speed and temperature. Budget Planner Set your actual spending against the 50/30/20 rule and see, category by category, where the money is going wrong.

BU

Business

Margin, reconciliation, tax and cash-flow tools for founders and finance teams

46 tools

Margin & Pricing

7

Profit Margin Calculator Turn revenue and cost into profit, margin and markup — the three numbers a pricing decision usually hinges on. Gross Margin Calculator Split revenue across every layer of cost and see gross, operating and net margin separately — three very different measures of the same business. Pricing & Markup Calculator Start from the margin you need and work back to the price — the direction pricing decisions actually run. Discount Impact Calculator Before you run that promotion: how much more do you have to sell just to end up where you started? Price Increase Calculator The mirror image of a discount: how many customers can you afford to lose when you raise prices? Break-even Analysis Calculator How many units you have to sell before the business starts making money rather than losing it. Contribution Margin Calculator When capacity is the constraint, the most profitable product is rarely the one with the best margin. This ranks by contribution per hour of the bottleneck.

Reconciliation

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Two-List Matcher Paste any two lists of transactions and find what does not line up — matched pairs, exceptions on each side, and duplicates within either. Bank Reconciliation Tool Match your cash book against the bank statement and produce a proper reconciliation — outstanding items, unrecorded charges and adjusted balances on both sides. Invoice vs Payment Reconciliation Match payments received against invoices raised, and find the short payments, overpayments and unallocated cash sitting in your receivables. Payment Gateway Payout Reconciliation Reconcile what the gateway actually paid you against what your orders say it should have — with fees, refunds and missing settlements itemised. GST / VAT Return Reconciliation Match your purchase register against what your suppliers actually filed, and find the input tax credit you are about to lose. Duplicate Payment Detector Scan a payment run or a full year of ledger for payments made twice — the same supplier, the same amount, days apart. AR / AP Aging Report Builder Turn a flat list of open invoices into a proper aged report — bucketed, totalled, and sorted by how long the money has been outstanding. Inventory Count Reconciliation Compare what the system says you hold against what the count actually found — with the variance valued, by SKU. Petty Cash & Cash Drawer Reconciliation Count the drawer by denomination, set it against the float and the receipts, and find the variance — with the arithmetic done for you. Payroll Register Reconciliation Check that everyone on the payroll register was actually paid, and paid the right amount — before anyone has to tell you they were not.

Tax, GST & Invoicing

6

GST / VAT Calculator Add tax to a net price or work backwards out of a tax-inclusive one — the reverse calculation people get wrong most often. Sales Tax Calculator Combine state, county and city rates into one total, and apply it across a multi-item order. Withholding Tax (TDS) Calculator Work out what gets withheld from a payment, what the supplier actually receives, and what to invoice if the net has to be a specific figure. Late Payment Interest Calculator What an overdue invoice has actually cost you — interest by the day, plus any fixed compensation you are entitled to charge. FX Gain & Loss Calculator The rate moved between raising the invoice and being paid. Work out what that movement — and your bank’s spread — actually cost. Freelance Rate Calculator Start from what you need to earn and work back to the rate — accounting for the large share of your week that nobody pays for.

Cash Flow & Analysis

10

Runway & Burn Rate Calculator How long the money lasts. Net burn, months of runway, and the date you need to have raised or reached profitability by. Cash Flow Forecast Project the balance forward month by month and find the low point — the moment a profitable business can still run out of money. CAC, LTV & Payback Calculator What a customer costs to win, what they are worth, and how long you wait to get the money back. Cash Conversion Cycle Calculator How many days your money spends locked up between paying a supplier and being paid by a customer — and what that gap costs to finance. NPV Calculator Discount a project’s future cashflows back to today’s money and see whether it is worth more than it costs. IRR Calculator The annual return a project earns on the money tied up in it — and whether that clears the bar you have set. Payback Period Calculator How long before the investment has paid for itself — measured both in raw cash and in today’s money. ROI Calculator Total return, annualised return, and the gap between them — which is where most ROI claims quietly fall apart. DCF Valuation Calculator Value a business from its cash generation: project the flows, add a terminal value, and discount the lot back to today. Working Capital Calculator What is tied up in day-to-day operations now — and how much more growth will demand before it pays you back.

Ratios & Accounting

7

Debt-to-Equity Ratio Calculator How much of the business is funded by lenders rather than owners — and whether the profits comfortably cover the interest. Current & Quick Ratio Calculator Three views of the same question: can the business pay what falls due in the next twelve months? EBITDA Calculator Strip out financing, tax and accounting policy to see what the operations themselves earn — and what that is worth on a multiple. Financial Ratio Analysis One set of figures, the whole ratio picture — profitability, liquidity, leverage and efficiency side by side. Depreciation Calculator Spread an asset’s cost across its useful life, on whichever basis your accounts or tax rules require. Inventory Valuation Calculator Three costing methods, three different profits from exactly the same transactions — see all of them at once. Employee Cost Calculator What an employee really costs once contributions, benefits and overheads are added — and what contractor rate that is equivalent to.

Business Utilities

6

Reorder Point & Safety Stock Calculator The stock level at which you place the next order — set so that demand spikes and late deliveries do not leave you empty. Economic Order Quantity Calculator The order size that costs least overall — balancing the cost of ordering often against the cost of holding stock. Lease vs Buy Calculator Compare the two properly — in today’s money, with the residual value and tax relief that make the headline comparison misleading. Business Loan Calculator What the loan costs, what it really costs after fees — and whether the business generates enough to service it comfortably. Currency Converter Convert at the rate you were quoted and see the real cost — the spread and fees that a plain conversion hides. IBAN, GSTIN & ABN Validator Check an identifier’s checksum before a payment goes out — catching a mistyped digit here is considerably cheaper than catching it afterwards.