The frameworks from the writing, made usable. Each one runs entirely in your browser — nothing is uploaded, stored or sent anywhere.
The same six properties as the NOI calculator over a full hold: rent growth or step escalations, renovation, refinance and exit. IRR built up one assumption at a time, an exact profit attribution, the exit cap and price that hit your target, and after-tax returns for Indian owners.
Open calculator →
Build net operating income line by line in dollars or rupees, set the broker's NOI against an underwritten one, see what the gap costs at a cap rate, and size the loan on LTV, DSCR and debt yield.
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Same company, two buyers. A reverse DCF shows what growth today's price already assumes, checked against a 75-year base rate; an LBO with a returns bridge shows where a buyout fund's return comes from and the highest premium it can pay.
Open workbench →
Seven valuation methods matched to stage, feeding a live cap table with the option-pool shuffle and a full liquidation waterfall. See what the headline price actually pays founders, earlier investors and new money at every exit.
Open workbench →
A live model across solar, wind, toll road and availability PPP. Debt sculpted to a target cover then held fixed, with tornado sensitivity, a 600-run simulated breach probability, reverse stress to the covenant, and earned-value construction tracking.
Open workbench →
Four management altitudes against six domains — sales, credit, collections, AR, AP and cash. Each of the 24 cells carries the decision it serves, the metrics, the right chart form, the cadence, and the mistake almost everyone makes there.
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Six criteria and 34 factors over three years of financials, where the revenue bucket drives both the weights and the scoring bands. Anchored on S&P financial-risk benchmarks and CRISIL's eight rating parameters, with override caps that no combination of good ratios can outvote.
Open the corporate rating scorecard →
How a credit score is actually built. Move the five weighted factors — payment history, amounts owed, length, new credit, mix — and watch where the points go, which factor is costing you most, and what would genuinely move it.
Open the FICO score explainer →
PAYDEX, the Delinquency Predictor (formerly Commercial Credit Score), the Failure Score and the D&B Rating — four measures answering four different questions. Enter trade lines and watch the dollar-weighting decide your PAYDEX.
Open the D&B scores explainer →
A fitted scorecard, not a mock-up. Ten bureau attributes, weight-of-evidence binned and run through a logistic regression, scaled to points. Every factor has a “not available” option — because missing data is a value, and this model prices it.
Open the auto-loan scorecard →
D&B business layer plus a percentile-normalised consumer-bureau guarantor layer, fitted once and deployed across 14 markets on six continents. Swap in NACM, Creditsafe, Intelliscore, Global Database, CRIF or Rapid Ratings and the page shows what the substitution costs in points.
Open the equipment-finance scorecard →
103 countries, 196 bureaus. Half the world’s credit markets have exactly one bureau and only 43% have any of the big three. Explore who operates where, plus the score-scale table showing three bureaus publishing on 1–100 and measuring three different things.
Open the credit-coverage explorer →
Four quarters of operational data in; a stress index and estimated runway out. Built on the tested finding that trajectory predicts distress better than level — trend features carry 2.6× the information value of current-state measures.
Open the stress forecaster →
Enter four quarters of actuals, then shock the next one. Six shock types propagate through fixed costs, working capital and interest to land on cash — and a reverse stress test finds the exact magnitude of each shock that breaks the business.
Open the scenario simulator →
Build a lending rate from its components — cost of funds, expected loss, capital charge, operating cost — and test whether it clears your hurdle. Includes a break-even rate solver and four presets from MSME working capital to anchor-backed TReDS.
Open the RAROC calculator →
Model the cash conversion cycle — DIO, DSO, DPO — and see what a change in collection performance actually frees up in rupees. Separates the DSO you granted from the DSO you're suffering, with Best Possible DSO, Average Days Delinquent and the CEI benchmark.
Open the working-capital calculator →
An ECL provision matrix for trade receivables — a historical loss rate for every ageing bucket, a forward-looking macro overlay on top, and the Stage 1 / Stage 2 / Stage 3 split that sets your loss horizon. Four scenario presets from a benign cycle to a downturn.
Open the ECL calculator →
Run the four limit-setting methods side by side — requirement-based, capacity-based, insurer-led and portfolio concentration — and take the lowest, as you should. The binding method is highlighted, with the gap to the next-loosest shown as your growth headroom.
Open the credit-limit calculator →Most credit frameworks are published as prose and consumed as vibes. You read that expected loss is PD × LGD × EAD, nod, and go back to pricing off a grid. The arithmetic only changes behaviour when you can move a slider and watch the verdict flip.
So each calculator here pairs with a written framework. The writing explains why the components matter; the tool lets you find the point where your own numbers stop working. In my experience that second step is where the actual learning happens — particularly the moment a well-liked deal turns out to sit below the break-even rate.
Everything runs client-side in plain JavaScript. No accounts, no analytics on your inputs, nothing leaves your browser — which matters, because these get used with real portfolio numbers. All models are illustrative and simplify tenor, tax, transfer pricing and cross-sell economics. They are teaching tools, not credit decisioning systems.
If there's a framework you'd like turned into a calculator, tell me.