Kerdora includes six advisor calculators for questions that come up while working in a client file: Basic Calculator, Versatile, Time Value of Money, Annuity Rate of Return, Debt Payoff, and Payroll Annualizer. Open the Calculators icon in the client-file header and choose the tool that matches the question.
Basic Calculator and Time Value of Money open over the current page. The other four open as full calculator pages. Their saving, scenario, and print controls differ, so use the workflow for the selected tool.
Which calculator should I use?
Use Basic Calculator for quick arithmetic without leaving the current work.
Use Versatile for a multi-year balance projection, recurring or scheduled cash flows, return sequences, inflation, fees, taxes on modeled returns, or solving for a required value.
Use Time Value of Money for one fixed-rate PV, FV, rate, payment, or time-period question.
Use Annuity Rate of Return to estimate the return implied by an annuity premium and income stream.
Use Debt Payoff to compare debt strategies, extra payments, and payoff timing.
Use Payroll Annualizer to turn paystub wages, taxes, deductions, and net pay into annualized values.
Calculator results save with the client where the tool supports saved work, but they do not automatically replace Profile data, Goal assumptions, or another planning-module record.
How do I use the Basic Calculator?
Choose Basic Calculator for arithmetic during data entry or a meeting.
Select Calculators → Basic Calculator.
Enter the calculation with the keypad or keyboard.
Copy the result when it needs to be entered elsewhere.
Review the calculator tape or history when checking prior steps.
The Basic Calculator can float, dock, or minimize over the current page. It does not create saved planning scenarios or update a client record.
How do I use Versatile?
Choose Versatile for questions such as, “How long can this account support withdrawals?” or “What starting balance, payment, or return reaches a target?”
Open Calculators → Versatile.
Name the active scenario.
Enter Present Value, Start Age, and Years.
Set a Simple or Schedule Payment and choose BoY or EoY timing.
Set a Simple, Schedule, or Random return.
Add Taxes, Inflation, or Investment Fee assumptions when they belong in the question.
Review Ending Balance, Total Payments, CAGR, the chart, and the year-by-year table.
In Versatile, a positive Payment is a withdrawal and a negative Payment is a contribution. Scenarios save automatically. The advisor can add, rename, duplicate, reorder, delete, print, and view them in fullscreen.
Use Solve after entering an End Value to calculate a Rate of Return, Present Value, or Payment. Solving for a return or payment changes that input to Simple mode.
How do I use Time Value of Money?
Choose Time Value of Money for a fixed-rate question such as, “What will $10,000 grow to in five years?”
Open Calculators → Time Value of Money.
Select the unknown: Future Value, Present Value, Interest Rate, Payment, or Time Period.
Enter the remaining values.
Choose Annual or Monthly compounding and Beginning of Year or End of Year timing.
Read the live result at the bottom of the card.
In Time Value of Money, a positive Payment adds to the balance and a negative Payment represents a withdrawal. Under Monthly compounding, Payment is monthly; under Annual compounding, Payment is annual.
Calculator cards save automatically. The advisor can rename, duplicate, clear, delete, or add another card. Time Value of Money does not have a print control.
How do I use Annuity Rate of Return?
Choose Annuity Rate of Return to estimate the return implied by an annuity contract's premium and projected payments.
Open Calculators → Annuity Rate of Return.
Enter Initial Premium and Total Years.
Under Income, choose Simple or Schedule.
Enter the payment, years of deferral, increase, and BoY or EoY timing, or open the year schedule.
Select Solve for Rate of Return.
Review the balance chart and year-by-year table.
Annuity scenarios save automatically and support naming, duplication, reordering, deletion, printing, and fullscreen. The result is an implied return from the entered cash flows. It does not evaluate insurer strength, guarantees, riders, surrender terms, taxation, or suitability.
How do I use Debt Payoff?
Choose Debt Payoff to compare payoff strategies for liabilities recorded in the client file.
Open Calculators → Debt Payoff.
Add or select the liabilities to include.
Confirm each balance, rate, minimum payment, and timing assumption.
Choose the payoff strategy and add any extra payment or target.
Review payoff timing, interest, charts, and the amortization details.
Duplicate the scenario before changing the strategy when the advisor wants a clean comparison.
Debt Payoff supports saved scenarios, naming, duplication, deletion, and fullscreen. It does not have a print control. Modeling a strategy does not change the liability record or create a Change for the client.
How do I use Payroll Annualizer?
Choose Payroll Annualizer to estimate annual wages, deductions, taxes, and net pay from a paystub.
Open Calculators → Payroll Annualizer.
Select New to start another payroll calculation when needed.
Name the calculation and select the person and job.
Confirm tax year, pay date, pay-period end date, pay frequency, and pay periods.
Add the paystub lines and identify each line's type.
Review the annualized summary before copying values into the appropriate client records.
Payroll Annualizer supports saved calculations plus Copy and Delete. It does not have a print control, and its annualized result does not update Profile automatically.
Which calculators save scenarios or support printing?
Basic Calculator: no saved planning scenarios and no print control.
Versatile: saved scenarios; add, rename, duplicate, reorder, delete, print, and fullscreen.
Time Value of Money: saved calculator cards; add, rename, duplicate, clear, and delete; no print control.
Annuity Rate of Return: saved scenarios; add, rename, duplicate, reorder, delete, print, and fullscreen.
Debt Payoff: saved scenarios; add, rename, duplicate, delete, and fullscreen; no print control.
Payroll Annualizer: saved calculations; New, Copy, and Delete; no print control.
When a calculator does not print, preserve the assumptions with a clearly named saved calculation and record an adopted recommendation in the appropriate planning workflow. Calculator work alone does not create client-facing Guide content or a Change.
Can a client use the six calculators in the portal?
The six calculators are advisor tools inside the advisor client file. Clients do not open them from the client portal. An advisor can explain a result in a meeting, use the available print control for Versatile or Annuity Rate of Return, and add adopted recommendations to client-facing Guide content or Changes.
Why does a calculator result look wrong?
Start with the selected calculator and its sign convention. Versatile and Time Value of Money treat positive payments differently. Then check amount frequency, annual versus monthly compounding, payment timing, scenario selection, year schedule, return mode, taxes, inflation, fees, linked liabilities, or paystub period details as applicable.
Confirm the result in the tool's detailed table or summary before using it. Calculators answer the assumptions entered; they do not choose appropriate assumptions, provide a probability of success, or replace advisor judgment.