Financial tools
Financial Intelligence Studio
Calculate, model, compare and understand. Professional tools for borrowing, business finance, investment analysis and capital decisions, each with its method set out so you can check every figure.
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Residential lending
Mortgages, refinancing, repayments and property borrowing.
Commercial lending
Business loans, repayment capacity, financing costs and commercial debt.
Commercial loan analyser
Debt service, interest, fees and the amount due at maturity for business term loans in five structures, and the cost of a revolving facility.
Business and debt stress tester
What falls in revenue, rising costs, higher rates and lower values do to cover, gearing and cash, against your lender's tests.
Acquisition funding planner
Sources and uses for buying a business, the debt service, cover and leverage it brings, and the return on your equity at a sale.
Commercial property investment analyser
Yields, net operating income, NSW transfer duty, the loan and its cover, cash flow, a sale and the return with and without borrowing.
Business operations
Operating costs, margins, cash flow, staffing and working capital.
Business cash flow forecaster
Month by month cash coming in and going out, the lowest balance, when cash runs short and how much funding would cover it.
Break-even and pricing analyser
Contribution margin, break-even sales, the volume for a target profit, margin of safety and a grid of price against volume.
Staffing and operating cost analyser
What a team really costs, with super, leave loading, workers compensation and payroll tax, the other costs of running the business, and the sales needed to cover them.
Indoor sports venue economics
Four models of an illustrative six court venue: utilisation, pricing, rent and the fit out. In our venue economics article.
In the Newsroom
Investments and acquisitions
Valuation, investment returns, capital structures and acquisitions.
Business valuation estimator
Enterprise and equity value from multiples of earnings, the bridge between them, and a discounted cash flow with its sensitivity.
Investment return analyser
IRR, net present value, the multiple of money and payback, for a simple investment or for dated cash flows.
Acquisition funding planner
Sources and uses for buying a business, the debt service, cover and leverage it brings, and the return on your equity at a sale.
Business and debt stress tester
What falls in revenue, rising costs, higher rates and lower values do to cover, gearing and cash, against your lender's tests.
Property and development
Rental investments, commercial property and construction projects.
Commercial property investment analyser
Yields, net operating income, NSW transfer duty, the loan and its cover, cash flow, a sale and the return with and without borrowing.
Business and debt stress tester
What falls in revenue, rising costs, higher rates and lower values do to cover, gearing and cash, against your lender's tests.
Development feasibility, residential and commercial
Month by month feasibility of a townhouse project and a commercial building, with GST, finance and the residual land value. In Part 4 of our lending series.
In the Newsroom
Tax, payroll and economics
Employment costs, tax settings and economic sensitivities.
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How the tools work
Every figure is worked out on your device, by methods you can read.
- Private by design
- The calculations run in your browser. Nothing you enter is sent to us or anyone else, stored on a server or put in a link. You do not need an account or an email address.
- Methods you can check
- Each tool explains how it works out its results, with the formulas and the conventions behind them, so a figure can be reproduced by hand or in a spreadsheet. The full method is in How the tools work.
- Standard and Professional
- Standard shows the inputs most people need. Professional adds fees, rate changes, conventions and assumptions for those who want them. Both run the same calculations on the same inputs.
- Scenarios and downloads
- Keep a base case and try other assumptions beside it, then download the inputs, results and schedules as an Excel workbook or a CSV file, or print or save them as a PDF.
The tools give general information, not advice. They work from the figures you enter and do not take into account your objectives, financial situation or needs. A lender, valuer, accountant or adviser will work from your full circumstances and their own policies, and their figures may differ.
In development
A Deal Studio is being built, in which one set of assumptions carries through a whole transaction: the price, the funding, the debt service, the returns and the stress tests. More specialised tools will follow. Each is added only once its calculations have been checked against an independent reference.