Business tools
Margin, reconciliation, tax and cash-flow tools for founders and finance teams
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 on Margin
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.
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
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.
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.
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.
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.
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.
Business ID Validator
Check an identifier’s checksum before a payment goes out — catching a mistyped digit here is considerably cheaper than catching it afterwards.