Loans & interest

Interest calculation

A simple-interest calculator. It links the four quantities — principal, interest rate, interest amount and time — so that you enter the three you know and it solves for the fourth. The value to be calculated drop-down chooses which field is the unknown.

Output: the result line (“The interest amounts to …”) and the field you marked as unknown.

Amortization schedule (loan)

A loan repayment planner. From the loan amount, interest rate and term it builds a full schedule — one row per payment with annuity, repayment portion, interest and remaining capital. Repay in equal instalments (“same rate”) or as an annuity (constant total payment); it also accounts for a disagio and for fixed and variable charges, and reports the effective rate of interest.

Output: the effective rate of interest and the full amortization schedule (date, annuity, amortization, interest, remaining capital). It recalculates live, so it stays empty until debt, rate and term are valid.

Disagio apportionment

Output: a schedule of depreciation — each period’s date, the amount written off and the remaining book value, summing to the full disagio by the end of the term.

Pricing & costing

Trade calculator (Handelsrechner)

A margin calculator that relates cost price, selling price, margin and mark-up. Choose a mode from the drop-down to tell it which value you want, enter the two figures you know, and it fills in the rest. Available modes include:

Output: the two remaining figures (price, cost, margin or mark-up) are filled in for the selected mode.

Units converter (Einheiten)

A quick converter between physical units of measurement. Pick a category and the source and target units, type a value, and the converted amount is shown. Useful for turning quantities on an invoice or order into the unit you need before dropping them onto the tape.

Costing (Kalkulation)

Compares the trade margin of the current year against the previous year and shows the deviation. You enter turnover and the cost of goods sold for each year; the tool derives the gross profit, the profit margin and the mark-up, and highlights how they changed.

Output: gross profit, profit margin and mark-up for each year, plus the deviation between the two years.

Cash discount (Skonto)

Works out whether taking an early-payment cash discount is worthwhile. From the discount terms it computes the implied annual interest rate of the discount and compares it with your current-account rate, so you can see if paying early (possibly on credit) actually saves money.

Output: the interest rate implied by the discount, the gross and net discount income, interest paid if you borrow to pay early, and the effective saving.

Analysis & valuation

Product profitability

A contribution-margin / break-even analysis for a single product. From fixed and variable costs and the selling price it derives the contribution per unit and the sales volumes needed to break even and to reach a target profit.

Output: profit contribution per unit, the quantity for breaking even, the quantity for reaching the target profit, and the resulting capacity utilisation.

Critical selling price

The reverse question: given an expected sales volume, what is the lowest price at which the product still breaks even (or reaches a target profit)?

Output: the critical selling price — the minimum price for breaking even and the price for covering costs and earning the target profit.

Profit improvement potential

A what-if model for a sales business. From the number of customers, their buying frequency and the average sale it builds total turnover, cost of sales and gross profit, and lets you see the effect of changing any driver — up to now vs. new, with the change between them.

Output: turnover in total, cost of sales and gross profit or loss — shown side by side as “up to now”, “change” and “new”.

Personnel costs per hour

Works out the true cost of an hour (and a day) of an employee’s work — the number you need for quoting and for cost accounting. It builds up the full annual wage, adds on-costs and overheads, and divides by the genuinely productive hours in a year.

Output: total annual personnel cost and the resulting cost per productive day and per productive hour.

Company value — capitalised earnings (income method)

Estimates the going-concern value of a business from its earning power. You enter a profit-and-loss statement for several years; the tool computes each year’s net profit, forms a weighted average and capitalises it at a chosen interest rate.

Output: the weighted average annual net profit and the resulting going-concern (company) value.

Company value — DCF (discounted cash flow)

The same valuation question answered with the discounted-cash-flow method. From the yearly profit it derives the free cash flow, then discounts each year to today with a present-value factor and adds the results.

Output: the cash flow and present-value factor per year and the summed discounted cash flow — the DCF company value.