Free tools

Eighteen calculators that run in the browser. Each reproduces its workbook's verified figures; the workbook is the upsell, the tool is free.

No sign-up, no upload

Everything runs in your browser. Nothing you type leaves the page.

Same numbers as the workbook

Each tool is checked against the same worked cases as the Excel file it comes from.

The rule shown, not just the result

Each output names the article or method it applies.

Also as an API

The AI Act classifier, the CBAM estimator and the UAE Corporate Tax computation answer JSON at /api/v1/: 25 calls a day free, unlimited with a $19 a month key. See the API page.

All tools

Client deadline tracker: UAE and EU

One client list, every date: UAE Corporate Tax filing and the penalty now running, CSRD first reporting year, the CBAM calendar and the EU AI Act application dates, with the Article behind each rule.

Rent vs buy calculator

Both sides run properly: the renter invests the deposit and the buying costs, and whichever side pays less each month invests the difference. The answer is net wealth after the years you plan to stay, not a monthly payment.

Options payoff calculator

Black-Scholes-Merton price and five Greeks for a call and a put with the parity check, then up to four legs priced leg by leg and the payoff at expiry across forty-one prices.

Short-term rental calculator

Twelve months of nightly rate and occupancy, platform and cleaning fees, every host cost, and the long-term let of the same property beside it: net profit by month and the year's short-term advantage.

FIRE and retirement calculator

The year and age you reach your number and whether it lasts to the age you plan to, in today's money, year by year.

Debt payoff calculator

Snowball and avalanche run side by side for up to six debts over 240 months: months to debt-free, total interest, the order each uses.

Mortgage overpayment calculator

No overpayment, a fixed monthly overpayment, a one-off lump sum: the same loan run three ways month by month, with the months and interest each one saves.

Rental property calculator

Cap rate, cash-on-cash, DSCR, IRR and a year-by-year projection to the sale from price, loan, rent, every expense line, growth and the hold.

Does CSRD apply to my company?

Ten questions, then the CSRD answer year by year under the Omnibus I thresholds: FY2024, FY2025 and FY2026, FY2027 onwards, the third-country test for non-EU parents, the standard and the assurance level, with the article behind every line.

Price, volume and mix variance

Why revenue missed budget: the variance split into price, volume and mix per product line, with the check column that proves the three reconcile to the total.

13-week cash flow forecast

Thirteen weeks of cash the direct way: receipts, disbursements, the opening receivables and payables curves, and a revolver that respects minimum cash and the facility limit. Lowest cash, peak borrowing and the weeks the facility runs out.

EU AI Act classifier

Answer the questions and get the risk class, the obligation set, the date it applies and the fine ceiling under Regulation (EU) 2024/1689. Free for one system; a $19 key unlocks unlimited systems and CSV export.

UAE Corporate Tax calculator

Small Business Relief, the 0% band, QFZP and the interest cap, reproducing the workbook's verified cases.

EU Taxonomy eligibility check

Which of your activities are described in Annex I of the Climate Delegated Regulation, and the eligible share of turnover, CapEx and OpEx.

CBAM cost estimator

Certificate cost per import line for 2026 to 2034 with the free-allocation phase-out.

Cap table calculator

SAFE and convertible note conversion, option pool top-up, dilution, exit waterfall.

Runway calculator

Cash-out date, break-even and scenarios from a headcount plan.

Scope 2 calculator

Location-based and market-based Scope 2 per site from grid factors, contracts, certificates and the residual mix, the pair ESRS E1-6 paragraph 49 requires.

New workbooks and updates by email

One email when a new workbook ships or a regulation changes a template. No filler. Sent through Gumroad, unsubscribe in one click.

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