# Bindler

> Regulations turned into tools: Excel workbooks, free browser calculators, a JSON API and an MCP
> server for EU and UAE regulation. Every figure is recalculated against an independent replica
> before it is published, and every computed line carries the article it comes from.

Built and run in Dubai by Neil Sangwaiya. Sold through Gumroad, which is the merchant of record.

## For agents and assistants

- [MCP server](https://bindler.co/mcp/): add with one line, no install, no key.
  `claude mcp add --transport http bindler https://bindler.co/mcp/rpc`
  Tools: uae_corporate_tax, eu_ai_act_classify, cbam_cost. Each returns the figure with the
  article behind it. Free tier 25 calls a day per address.
- [JSON API](https://bindler.co/api/): the same three computations over HTTP.
  [OpenAPI spec](https://bindler.co/api/openapi.json)
- [Status](https://bindler.co/status): every endpoint, re-checked in your browser as it loads.

## What it will not do

It will not return a figure it cannot derive. The CBAM tool refuses without a certificate price,
because that price tracks the ETS auction and inventing one would make the answer unverifiable.
A value that cannot be computed comes back null with the input it needs, never estimated.

## Free tools

- [Rent vs buy calculator](https://bindler.co/apps/rent-vs-buy/): Both sides run properly: the renter invests the deposit and the buying costs, and whichever side pays less each month invests the difference.
- [Options payoff calculator](https://bindler.co/apps/options-payoff/): 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](https://bindler.co/apps/short-term-rental/): 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](https://bindler.co/apps/fire-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](https://bindler.co/apps/debt-payoff/): 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](https://bindler.co/apps/mortgage-overpayment/): 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](https://bindler.co/apps/rental-property/): 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?](https://bindler.co/apps/csrd-scope-test/): 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](https://bindler.co/apps/price-volume-mix/): 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](https://bindler.co/apps/cash-13-week/): 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.
- [EU AI Act classifier](https://bindler.co/apps/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.
- [UAE Corporate Tax calculator](https://bindler.co/apps/uae-corporate-tax/): Small Business Relief, the 0% band, QFZP and the interest cap, reproducing the workbook's verified cases.
- [EU Taxonomy eligibility check](https://bindler.co/apps/eu-taxonomy-eligibility/): 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](https://bindler.co/apps/cbam-cost-estimator/): Certificate cost per import line for 2026 to 2034 with the free-allocation phase-out.
- [Cap table calculator](https://bindler.co/apps/cap-table/): SAFE and convertible note conversion, option pool top-up, dilution, exit waterfall.
- [Runway calculator](https://bindler.co/apps/runway/): Cash-out date, break-even and scenarios from a headcount plan.
- [Scope 2 calculator](https://bindler.co/apps/scope-2/): 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.

## Guides

- [13-week cash flow forecast template: the direct method, the revolver line that most templates get wrong, and a weekly variance loop](https://bindler.co/guides/13-week-cash-flow-forecast-template/)
- [AI agents in finance: what three 2025 papers actually do](https://bindler.co/guides/ai-agents-in-finance-three-papers/)
- [CBAM certificate cost in 2027: what changes on 1 January and what changes on 1 February](https://bindler.co/guides/cbam-certificate-cost-2027-what-changes-1-january-1-february/)
- [What CBAM will cost your imports from 2026 to 2034, and how to estimate it](https://bindler.co/guides/cbam-cost-guide-2026-2034/)
- [CBAM deadlines and timeline: every date from 1 January 2026 to full certificate cost in 2034](https://bindler.co/guides/cbam-definitive-period-timeline/)
- [CBAM quarterly report template: why there is no quarterly report from 2026, what the annual CBAM declaration needs instead, and a workbook that prices it](https://bindler.co/guides/cbam-quarterly-report-template/)
- [Ce que le MACF coûtera à vos importations de 2026 à 2034, et comment l'estimer](https://bindler.co/guides/cout-macf-2026-2034/)
- [CSRD 2026 deadlines by company size: who reports for FY2025, FY2026 and FY2027 after Omnibus I](https://bindler.co/guides/csrd-2026-deadlines-by-company-size/)
- [CSRD double materiality template in Excel: what the assessment has to contain, and a workbook that does it](https://bindler.co/guides/csrd-double-materiality-template-excel/)
- [Debt snowball vs avalanche calculator: what each method does, the sample case where they finish in the same month, and how big the gap really is](https://bindler.co/guides/debt-snowball-vs-avalanche-calculator/)
- [ESRS E1-1 transition plan template: the ten things paragraph 16 asks for, the target rules in E1-4, and an Excel workbook that lays them out](https://bindler.co/guides/esrs-e1-transition-plan-template/)
- [EU AI Act on 2 August 2026: what applied that day, and what now applies in 2027 and 2028 after the Digital Omnibus](https://bindler.co/guides/eu-ai-act-2-august-2026-what-applied-what-applies-2027/)
- [EU AI Act obligations by role and risk class: a practical guide for small companies](https://bindler.co/guides/eu-ai-act-obligations-guide/)
- [EU Taxonomy Article 8 KPI template: the turnover, CapEx and OpEx KPIs after Delegated Regulation (EU) 2026/73, and an Excel workbook that computes them](https://bindler.co/guides/eu-taxonomy-article-8-kpi-template/)
- [FIRE calculator: the 4% rule, what Bengen and the Trinity study actually found, and what the rule assumes about you](https://bindler.co/guides/fire-calculator-4-percent-rule-what-it-assumes/)
- [GHG inventory Scope 3 template: the 15 categories, what ESRS E1-6 asks for, and an Excel workbook with sourced factors for the categories most companies report first](https://bindler.co/guides/ghg-inventory-scope-3-template/)
- [Green bond allocation and impact report template: the four GBP components, the ICMA core indicators, and what an annual report has to show](https://bindler.co/guides/green-bond-impact-report-template/)
- [How to read an EU public tender notice on TED: CPV codes, deadlines and award criteria](https://bindler.co/guides/how-to-read-an-eu-tender-notice-on-ted-cpv-deadlines-award-criteria/)
- [IFRS S2 disclosure template in Excel: the seven cross-industry metrics, the target fields, and what paragraph 29 actually asks for](https://bindler.co/guides/ifrs-s2-disclosure-template-excel/)
- [Mortgage overpayment calculator: monthly overpayment or lump sum, which saves more interest, and the three checks to make before you pay a penny extra](https://bindler.co/guides/mortgage-overpayment-calculator-monthly-vs-lump-sum/)
- [NIS2: does it apply to my company? Annex I and II sectors, the size test, essential vs important](https://bindler.co/guides/nis2-does-it-apply-to-my-company/)
- [Options Greeks explained: what delta, gamma, vega, theta and rho each measure, where the Black-Scholes model comes from, and what it leaves out](https://bindler.co/guides/options-greeks-explained-black-scholes/)
- [PCAF financed emissions calculator in Excel: the attribution arithmetic, the data quality score, and a workbook that runs it](https://bindler.co/guides/pcaf-financed-emissions-calculator-excel/)
- [Price, volume and mix variance template: how to split a revenue variance so the monthly review has an answer](https://bindler.co/guides/price-volume-mix-variance-template/)
- [The QFZP de minimis test: AED 5,000,000 is the wrong number below AED 100m of Revenue, and failing costs five Tax Periods](https://bindler.co/guides/qualifying-free-zone-person-de-minimis/)
- [Rental property calculator: cap rate, cash-on-cash, DSCR and IRR explained, and why one property can pass three of them and fail the fourth](https://bindler.co/guides/rental-property-calculator-cap-rate-cash-on-cash-dscr-irr/)
- [Scope 2 location-based vs market-based under ESRS E1-6: why you report both, and what each number means](https://bindler.co/guides/scope-2-location-based-vs-market-based-esrs-e1-6/)
- [SFDR PAI statement template in Excel: the 14 mandatory indicators, the Annex I formulae, and a workbook that computes them](https://bindler.co/guides/sfdr-pai-statement-template-excel/)
- [Trading journal template: R multiples, expectancy and drawdown explained, and why the Kelly fraction is shown but never used](https://bindler.co/guides/trading-journal-r-multiples-expectancy/)
- [How UAE Corporate Tax is computed: Small Business Relief, QFZP, the 0% and 9% bands](https://bindler.co/guides/uae-corporate-tax-computation-guide/)
- [UAE corporate tax computation template in Excel: the input list, the computation lines in Article 20(2) order, and three checked cases](https://bindler.co/guides/uae-corporate-tax-computation-template-excel/)
- [The UAE Corporate Tax interest limitation: the AED 12,000,000 safe harbour is a cliff, not an allowance](https://bindler.co/guides/uae-corporate-tax-interest-limitation/)
- [UAE Corporate Tax penalties: late return vs late payment, and the liability where they cross](https://bindler.co/guides/uae-corporate-tax-penalties-late-return-vs-late-payment/)
- [UAE Corporate Tax return deadline: which date applies to your financial year, and what missing it costs](https://bindler.co/guides/uae-corporate-tax-return-deadline-2026/)
- [UAE e-invoicing: who is in scope, the dates, the fields and the fines](https://bindler.co/guides/uae-e-invoicing-readiness-guide/)
- [UAE Small Business Relief: the AED 3,000,000 test is one-way, the election can cost more than it saves, and it now runs to 2029](https://bindler.co/guides/uae-small-business-relief/)
- [Why not just ask a model for this? What a generated spreadsheet cannot give you](https://bindler.co/guides/why-not-just-ask-a-model-for-this/)

## Buying

- [All products](https://bindler.co/)
- [Store](https://bindler6.gumroad.com)
- Contact: bindler540@gmail.com