The catalogue
All calculators
35 calculators, free and without sign-up. Each one names the paid tool it stands in for, and each one shows its working.
Cash & working capital
What you actually have, when it runs out, and what it costs to bridge the gap.
13-Week Cash Flow Forecast
Find the week your cash gets tightest — before it happens.
Replaces: CFO consulting engagements and $200 spreadsheet templates
AR Aging & Bad Debt Provision
How much of what you are owed you will actually collect.
Replaces: Credit-control consultants and paid receivables modules
Cash Conversion Cycle Calculator
How many days your money is trapped between paying suppliers and getting paid.
Replaces: Working capital consultants and paid CFO dashboards
Early Payment Discount & Factoring APR
Turn "2/10 net 30" or a factoring fee into the annual rate it actually is.
Replaces: Factoring brokers’ private spreadsheets
Inventory Carrying Cost Calculator
What holding stock costs you a year — the number that never appears on an invoice.
Replaces: Supply-chain consulting reviews and paid ERP analytics
Runway & Hiring Plan Calculator
How long the money lasts, and what each new hire costs you in weeks of runway.
Replaces: Paid CFO tooling and $99 founder spreadsheet templates
Working Capital Requirement
How much cash your operation needs standing still — and what growth will cost.
Replaces: Bank facility sizing exercises and CFO consulting
Revenue & accounting
Recognition schedules and roll-forwards that otherwise live inside enterprise software.
Accrual ↔ Cash Basis Converter
Reconcile reported profit to the money that actually moved.
Replaces: Accountant reconciliation work and paid close software
ASC 606 Revenue Recognition Schedule
Turn one contract into the month-by-month schedule your auditor asks for.
Replaces: Ordway, Younium, Sage Intacct and other enterprise rev-rec platforms
Capitalised Software & Amortisation
What capitalising development spend does to profit — and what it does not do to cash.
Replaces: Fixed-asset modules in paid accounting platforms
Contract Modification Schedule
A customer upgrades mid-term. What happens to the revenue you already booked?
Replaces: Rev-rec platforms and controller judgement calls
Deferred Revenue Roll-Forward
Opening balance, billings, recognition, closing balance — twelve months of it.
Replaces: Enterprise rev-rec platforms and month-end controller spreadsheets
Depreciation Schedule Generator
Straight line, declining balance or sum-of-years — with the tax shield each one buys.
Replaces: Fixed-asset modules in paid accounting software
Payments & merchant costs
The fees your statement is designed not to show you.
Card vs ACH vs Wire Cost Optimizer
What each payment method costs you, and what moving volume between them is worth.
Replaces: Treasury consulting reviews
Chargeback True Cost Calculator
A disputed sale costs far more than the sale. This works out how much more.
Replaces: Consulting reviews and paid dispute-management dashboards
Failed Payment & Dunning Recovery Value
What involuntary churn costs you, and what better recovery is worth.
Replaces: Paid dunning platforms’ own ROI calculators
FX Markup Revealer
The transfer fee is rarely the cost. This finds the part hidden in the rate.
Replaces: Nothing — banks do not publish this number at all
Payment Processor Effective Rate Analyzer
What you are really paying to accept cards, and how much of it is markup.
Replaces: Merchant statement analysis, normally sold per review by consultants
SaaS & unit economics
Retention, payback and the arithmetic behind a growth claim.
Discount Impact on Margin
How much extra you must sell to stand still after cutting the price.
Replaces: Pricing consultants and the argument you keep losing to sales
Free Trial vs Freemium
Freemium brings more people. Whether it brings more money is a different question.
Replaces: Growth consulting and pricing workshops
LTV, CAC & Payback Calculator
What a customer is worth, what one costs, and how long until you are square.
Replaces: ChartMogul, Baremetrics and other paid analytics tiers
MRR Movement Waterfall
Where recurring revenue actually went: new, expansion, contraction, churn.
Replaces: ChartMogul, Baremetrics and ProfitWell paid tiers
NRR & GRR Cohort Calculator
What a cohort of customers is worth a year later — and five years later.
Replaces: Cohort analysis in paid subscription analytics tools
Pricing Change Simulator
Raise the price, lose some customers — and see which effect wins.
Replaces: Pricing consultants and paid revenue-modelling tools
Cost, payroll & people
What a hire really costs once the extras are counted.
Billable Rate Calculator
The hourly rate that actually pays you what you meant to earn.
Replaces: Consultants’ pricing courses and agency rate cards
Break-Even & Contribution Margin
How much you have to sell before you stop losing money — and what a price change does to it.
Replaces: Business-school templates and paid planning tools
Contractor vs Employee Cost
The day rate that looks expensive next to a salary that is not what it seems.
Replaces: Agency comparison spreadsheets
Employee Turnover Cost
What losing people costs a year, counted properly.
Replaces: HR consulting analyses and paid people-analytics modules
Offshore Hire Cost Delta
The saving after productivity, management overhead and timezone friction.
Replaces: Outsourcing vendors’ own business cases
True Cost of an Employee
What a hire actually costs once tax, benefits, ramp and recruiting are counted.
Replaces: Cost modelling locked inside paid HR and PEO platforms
Capital & decisions
Lease or buy, build or buy, borrow or wait — with the numbers attached.
Lease vs Buy (After-Tax NPV)
Which is genuinely cheaper once tax relief, residual value and time are priced in.
Replaces: The analysis accountants charge to produce
Loan True Cost & Effective APR
What a business loan really costs once the fees are counted as interest.
Replaces: Broker spreadsheets and lender-supplied illustrations
NPV & IRR Project Evaluator
Whether an investment is worth making, in today’s money.
Replaces: Corporate finance templates and paid modelling add-ins
WACC Calculator
What your money costs — the hurdle every investment has to clear.
Replaces: Corporate finance templates and valuation course material
Tax & admin
Reverse calculations and schedules that accountants charge to produce.