Finance & HR tools. A little more clarity.

Compound interest

Model regular saving, compounding and monthly contributions.

Loan repayment

Calculate payments and see a full amortisation schedule.

DCF valuation

Separate operating value, net debt and equity value.

WACC

Calculate the weighted cost of equity and debt.

Project debt capacity

Size a level-payment loan under a DSCR assumption.

Debt service coverage

Compare cash available with interest and principal due.

Gross / net salary

Use explicit deductions and withholding assumptions. An estimate only.

Employee Cost

Total employer cost.

VAT Calculator

VAT conversion.

Savings goal

Estimate the monthly contribution needed for a target.

FIRE estimate

Explore a simplified financial-independence scenario.

Dividend yield

Compare annual dividends with the share price.

Regular investing

Explore a recurring-contribution scenario.

Rule of 72

Estimate how long a positive return takes to double capital.

Inflation-adjusted return

Compare nominal returns with inflation.

CAGR

Calculate the annualised growth between two values.

Price / earnings

Compare share price with earnings per share.

EV / EBITDA

Express enterprise value as an EBITDA multiple.

Borrowing capacity

Explore a simplified borrowing-capacity estimate.

Early repayment

Compare repayment scenarios and interest costs.

Debt payment capacity

Illustrate a debt-to-income assumption; not a lending rule.

Debt / income

Compare periodic debt payments with income.

Loan comparison

Compare the costs of two loan scenarios.

Lease vs buy

Compare simplified total-cost assumptions.

Rent vs buy

Explore a housing-cost scenario, not a recommendation.

LBO model

Explore a simplified leveraged-buyout illustration.

Internal rate of return

Estimate the return implied by cash flows.

Net present value

Discount cash flows to a common valuation date.

Payback period

Estimate when an initial outlay is recovered.

Break-even point

Compare fixed costs, price and contribution margin.

Working capital

Explore the operating working-capital requirement.

Debt / equity

Compare debt and equity funding.

EBITDA margin

Express EBITDA as a share of revenue.

Loan life coverage

Compare discounted loan-life cash flows with debt.

Levelised energy cost

Explore a simplified cost-per-energy-unit estimate.

Capex vs opex

Compare investment and operating-cost assumptions.

Project IRR

Explore a simplified project-return scenario.

Rental yield

Compare rent and costs with property investment.

Cash-on-cash return

Compare cash distributions with equity invested.

Capitalisation rate

Compare net operating income with asset value.

Price per square metre

Compare price with the area of a property.

Pinel illustration

Legacy tax illustration; eligibility and rules need checking.

LMNP illustration

Simplified letting scenario; not a tax determination.

Rent / repayment

Compare rental income with loan repayments.

Property tax estimate

Illustrative estimate, not an official tax assessment.

Sharpe ratio

Compare excess return with return volatility.

Beta

Explore relative market sensitivity.

Value at Risk

Explore the limitations of a parametric risk estimate.

Black–Scholes

Illustrate European-option valuation assumptions.

Historical volatility

Annualise historical return variability.

Two-asset portfolio

Explore a simplified allocation between two assets.

EUR / USD conversion

Convert with a supplied rate; not a live quote.

Monte Carlo

Explore simulated outcomes under model assumptions.

Hourly Rate

Calculate your hourly rate.

Overtime

Overtime pay calculation.

13th Month Bonus

13th month bonus simulation.

Bonus & Commission

Bonus and commission calculation.

Part-Time Salary

Part-time salary proration.

Salary Raise

Impact of a salary raise.

Salary Comparison

Compare two salary offers.

Minimum Wage 2026

Minimum wage checker.

Income Tax

Income tax estimation.

Micro-Business

Micro-business charges.

Social Charges

Employee/employer charges.

Corporate Tax

Corporate tax estimation.

Dividend Tax

Flat tax on dividends.

Expense Report

Quick expense report.

Per Diem

Travel per diem.

Mileage Allowance

Tax mileage allowance.

Meal Voucher

Meal voucher calculation.

Business Days

Business days counter.

RTT Calculator

Calculate RTT days.

Paid Leave

Paid leave calculator.

Seniority

Calculate seniority.

Notice Period

Notice period duration.

Trial Period

Trial period duration.

Legal Hours

Legal working hours.

Night Shift

Night shift premium.

Public Holidays

Public holidays per year.

Work Schedule

Work schedule planning.

Cost per Hire

Recruitment cost.

Time to Hire

Recruitment time.

Offer Acceptance

Offer acceptance rate.

Recruitment ROI

Recruitment ROI.

Source Comparison

Compare sources.

Interview Load

Interview load estimation.

Evaluation Scorecard

Candidate score.

Salary Benchmark

Salary positioning.

Recruitment Funnel

Conversion rates.

Headcount Plan

Workforce planning.

Turnover Rate

Employee turnover.

Absenteeism Rate

Absenteeism rate.

eNPS

Employee NPS score.

Training ROI

Training ROI.

Retention Rate

Employee retention.

Pay Gap

Pay gap analysis.

FTE Calculator

Full-time equivalent.

Bradford Score

Bradford indicator.

Labor Cost Ratio

Payroll/revenue ratio.

HR Budget

HR budget allocation.