Free Tools

Financing & P&L Calculators

Four free simulators, one shared method: not just the number, but the strategy behind it. Mortgage, personal loan and leasing show exactly when early repayment pays off; the P&L Generator turns unit economics into a full Income Statement. Every calculator produces a downloadable PDF report.

Sample Report

Here's what your report looks like

A downloadable PDF report with a cover page, key figures and charts — not just numbers in a table.

Cover page

Key figures at a glance

Debt vs savings chart

Free

Mortgage

Amortization plan simulation and choice, with sustainability analysis against salary.

How the calculation works

1Choose between French amortization (constant installment, decreasing interest) or Italian (constant principal, decreasing installment over time). The Italian plan reduces principal faster and lowers total interest.
2The simulator checks sustainability: if the installment exceeds 35% of net salary, it flags a critical issue.
3Applying the indicated monthly savings rate, it calculates the Break-Even: the exact month when accumulated liquidity exceeds the remaining debt, making early repayment worthwhile.

The report includes

Installment and net principal Break-Even month Debt vs savings chart Full amortization schedule Downloadable PDF

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Sample chart from the report

Ideal for choosing between a constant or decreasing installment, or understanding whether it's better to keep liquidity aside instead of a larger down payment.

Sample chart from the report

Useful for car loans, renovations or debt consolidation, with the option to account for inflation and tax deduction effects.

Free

Personal Loan

Installment, total interest and early repayment strategy, net of inflation and tax benefits.

How the calculation works

1Calculates the installment using French amortization (constant installment) on the net principal (price minus down payment).
2Discounts installments and remaining debt for expected inflation, showing the real cost of the loan alongside the nominal one.
3Where applicable, estimates the tax saving (19% deduction on interest, within legal limits) and still computes the Break-Even month between accumulated savings and remaining debt.

The report includes

Installment and principal Nominal vs real cost Break-Even month Downloadable PDF

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Free

Leasing

Total operation cost, monthly fee and final buyout value.

How the calculation works

1The monthly fee is calculated by discounting the final buyout value from the principal to be amortized, using the same logic as French amortization.
2The total operation cost sums the initial down-payment fee, all paid installments and the final buyout, for a realistic comparison with a direct purchase.
3Calculates the Break-Even by comparing accumulated liquidity with remaining debt, accounting for any final buyout still due.

The report includes

Monthly fee Total operation cost Break-Even month Full schedule Downloadable PDF

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Sample chart from the report

Designed for equipment, company cars or machinery, where the leasing vs. direct purchase comparison affects cash flow.

Sample chart from the report

Ideal for pricing a product or service line, sanity-checking margins before launch, or explaining unit economics to a non-financial audience.

New

P&L Generator

Turns unit revenue, unit variable cost, quantity, fixed costs and D&A into a full Income Statement.

How the calculation works

1Multiplies unit revenue and unit variable cost by quantity to get Revenue and Variable Costs, and derives the Contribution Margin.
2Subtracts fixed costs to reach EBITDA, then D&A to reach EBIT, applying the tax rate to compute Net Income.
3Calculates the Break-Even Point in units and revenue, and the margin of safety at the simulated volume.

The report includes

Full Income Statement Contribution Margin, EBITDA, EBIT, Net Income Break-Even Point Downloadable PDF

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