Know the Figures

The catalogue

All calculators

65 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

  • Free Cash Flow Calculator

    The cash left from operating profit after tax, working capital and capital spending.

    Replaces: FP&A cash flow models

  • 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

  • Merchant Cash Advance True APR

    What a merchant cash advance really costs as an annual rate, not a factor rate.

    Replaces: Broker quotes that only show a factor rate

  • Revenue-Based Financing Cost

    What revenue-based financing really costs a year, given how fast your revenue grows.

    Replaces: Provider dashboards that show only the repayment cap

  • 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

  • Seasonal Cash Gap

    A seasonal business needs funding for its worst month, not its average one.

    Replaces: Bank facility sizing conversations

  • 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

  • Bundle Price Allocation (SSP)

    Split a discounted bundle across its parts the way ASC 606 requires.

    Replaces: Revenue-recognition consultants and enterprise rev-rec modules

  • 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

  • Committed vs Usage Revenue Schedule

    A contract with a minimum and overage does not recognise in a straight line.

    Replaces: Enterprise billing platforms’ revenue modules

  • 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

  • Lease Accounting Schedule (ASC 842 / IFRS 16)

    The lease liability, right-of-use asset and yearly expense a lessee books for a lease.

    Replaces: Lease accounting software modules

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

  • Cross-Border Payout Cost Stack

    Every layer taken out of an international payment, added up.

    Replaces: Treasury reviews and provider comparison decks

  • 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

  • Interchange-Plus vs Blended Pricing

    Which pricing model wins depends on your card mix. This finds the tipping point.

    Replaces: Payments consultants’ model comparisons

  • 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.

  • Burn Multiple Calculator

    How much cash you burn to add each unit of net new ARR, and the band that puts you in.

    Replaces: Board-deck benchmarking from investors and consultants

  • 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

  • E-commerce Contribution per Order

    What one online order really leaves after returns, shipping, fees and the ads that won it.

    Replaces: Profit dashboards in e-commerce analytics apps

  • 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

  • Rule of 40 Calculator

    Growth plus margin. The single number investors use to judge the trade.

    Replaces: Investor benchmarking spreadsheets

  • SaaS Magic Number

    How much new annual revenue each unit of last quarter’s sales and marketing bought.

    Replaces: Sales-efficiency benchmarking reports

  • Sales Capacity & Pipeline Model

    How much your team can actually sell, after ramp and attrition.

    Replaces: Sales-ops modelling and revenue-planning 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

  • Revenue Per Employee

    Whether the headcount you have matches the revenue you make.

    Replaces: Benchmarking reports and board-pack analysis

  • Sales Commission Plan & OTE Cost

    What a rep is paid at any attainment, and what that pay costs per unit of sales.

    Replaces: Commission planning software and compensation consultants

  • 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.

  • Build vs Buy Software

    The licence looks expensive until you price what building it really costs.

    Replaces: Vendor business cases and internal engineering estimates

  • DSCR & Covenant Headroom

    How far earnings can fall before your lender has a right to act.

    Replaces: Bank relationship conversations you would rather have prepared for

  • Economic Order Quantity & Reorder Point

    How much stock to order at a time, and the stock level at which to place the next order.

    Replaces: Inventory planning modules in ERP software

  • Equipment & Automation ROI

    What a machine or a system pays back, and when.

    Replaces: Vendor ROI calculators built to flatter the vendor

  • 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

  • Marketing Campaign Profit & ROAS

    Whether a campaign made money after margin, returns and fees — not just what ROAS it hit.

    Replaces: Agency ROAS reports

  • 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.

  • Landed Cost & Customs Duty

    What an imported unit really costs once freight, duty, VAT and fees are added.

    Replaces: Freight forwarder and customs broker quotes

  • Late Payment Interest & Compensation

    What a late invoice entitles you to claim, and what it is costing meanwhile.

    Replaces: Solicitors’ letters and credit-control services

  • R&D Capitalisation Tax Impact

    When research must be amortised rather than deducted, the tax bill arrives early.

    Replaces: Tax advisers’ modelling of the Section 174 change

  • Salary vs Dividend Extraction

    Taking profit out of a company: which route leaves you more.

    Replaces: The annual conversation with your accountant

  • Transfer Pricing Cost-Plus

    What one entity should charge another, and what profit that leaves behind.

    Replaces: Transfer pricing advisers’ preliminary modelling

  • VAT Reverse & Margin Impact

    Strip VAT out or add it in — then see what a rate change does to your margin.

    Replaces: Accountant queries and one-line web calculators that stop at the arithmetic

Margins & ratios

The margins and ratios that buyers, lenders and boards actually test.

  • Current, Quick & Cash Ratio

    Whether short-term assets cover short-term bills, with and without stock counted.

    Replaces: Credit analyst ratio sheets

  • EBITDA & Adjusted EBITDA

    EBITDA and adjusted EBITDA built up from net profit, with every add-back in plain view.

    Replaces: Quality-of-earnings workpapers

  • Margin vs Markup Converter

    Convert markup to margin and back, and see the price error the mix-up causes.

    Replaces: Pricing cheat-sheets that get it backwards

  • Profit Margin Calculator (Gross, Operating, Net)

    Gross, operating and net margin from one P&L, and where each slice of revenue goes.

    Replaces: Accounting-software margin reports