A high-performance, serverless financial calculator suite designed for rapid bookkeeping audits and management accounting analysis. This tool was built to provide instant insights without the need for complex spreadsheets or data-sharing with third-party servers.
- Loan Amortisation: Generates full monthly repayment schedules with interest/principal splits. Supports instant CSV Export for further modeling in Excel/Google Sheets.
- VAT & Tax Analysis: Quick-calc utility for Gross/Net conversions using customisable UK VAT rates.
- Profitability Suite: Automated Margin vs. Markup ratio calculations to assess pricing strategies.
- Break-Even Analysis: Calculate the exact unit volume and turnover required to cover fixed and variable costs.
- Liquidity Ratios: Instant "Acid Test" (Quick Ratio) and Current Ratio assessment to evaluate business solvency.
- 100% Client-Side: No data is sent to a server. All calculations, including the CSV generation, happen locally in the browser.
- Zero-Footprint: The "Audit Trail" is stored in volatile memory and is wiped upon page refresh, ensuring client data confidentiality.
- Architecture: Vanilla JavaScript (ES6+), HTML5, CSS3.
- Hosting: GitHub Pages (Static).
- Performance: Zero external dependencies (No React/jQuery), ensuring sub-second load times even on mobile data.
Includes a high-contrast Dark Mode by default, designed for long-duration bookkeeping sessions, with a responsive grid layout that adapts to tablets and mobile devices.