Start here for timeless money maths built from your own inputs: growth, borrowing, pricing, profitability, and VAT. The flagship guides are strongest when you want the formulas and interpretation behind the repayment or return figure, not just the number itself.
A practical guide to simple interest, compound growth, present value, future value, and CAGR that explains why money in different time positions cannot be compared honestly until time and compounding are made explicit.
Use these pages for formulas, worked examples, and common mistakes before or after you open a calculator.
A practical guide to simple interest, compound growth, present value, future value, and CAGR that explains why money in different time positions cannot be compared honestly until time and compounding are made explicit.
A practical guide to loans and mortgages that explains amortisation, payment structure, interest allocation, and the trade-off between payment size, total interest, and repayment speed.
A practical guide to markup, margin, discounting, ROI, and break-even thinking that keeps the definitions separate so pricing decisions are not distorted by similar-looking percentages that mean very different things.
A timeless guide to adding and removing VAT with editable rates, written to stay useful as a formula reference rather than a fixed legal statement about any one tax regime.
These PDFs are designed for quick revision, planning, and repeat checking away from the browser.
A deeper revision guide for simple interest, compound growth, present value, future value, and CAGR, with worked examples that show why time positioning changes the meaning of money.
A stronger printable reference for loan and mortgage repayment, amortisation logic, interest allocation, and payment comparisons across different terms.
A clearer pricing sheet for markup, margin, discounting, and price logic, built to stop common denominator mistakes before they distort commercial decisions.
A printable VAT formula sheet for adding and removing tax with an editable rate, designed to stay useful as a general maths reference instead of a fixed policy statement.
A stronger workbook-style pack for ROI, break-even thinking, contribution per unit, and practical commercial comparisons where volume and return both matter.
The guide hub keeps the conceptual pages and the live tools close together so you can move between explanation and calculation without losing context.