Kerdora's six standalone calculators support quick arithmetic, projections, time-value relationships, annuity return estimates, debt payoff modeling, and payroll annualization.
Open a calculator
Open a client file and choose the Calculators icon in the header. Select Basic Calculator or Time Value of Money to open their utility panels. Versatile, Annuity Rate of Return, Debt Payoff, and Payroll Annualizer open their dedicated calculator workspaces. The command bar can also open supported calculator destinations.
Choose the right tool
Basic Calculator for quick arithmetic.
Versatile for custom multi-period cash-flow projections and solve-for work.
Time Value of Money for PV, FV, rate, periods, and payment.
Annuity Rate of Return for the return implied by modeled annuity cash flows.
Debt Payoff for payment and payoff alternatives.
Payroll Annualizer for projecting a paystub across the year.
Create and manage scenarios
Versatile and Debt Payoff support named scenarios with controls to add, duplicate, rename, select, and delete. Duplicate before changing a material assumption so the baseline remains available. Versatile also supports fullscreen and print.
Annuity Rate of Return supports scenarios for comparing cash-flow patterns or contract alternatives. Payroll Annualizer uses named scenarios tied to a person, job label, and tax year. Use the scenario controls shown by the calculator; Basic Calculator and the Time Value of Money utility do not use the same saved-scenario workflow.
Input discipline
Confirm units, frequency, timing, sign convention, compounding, one-time values, and the source of each assumption. Name saved scenarios so another reviewer can reconstruct the purpose.
Calculator outputs are separate from Profile, Goals, Taxes, and other plan records unless you deliberately update those authoritative inputs. Do not assume saving a calculation changes the plan.
Review the result surface
Versatile: review the balance projection, calculation table, and solved value.
Time Value of Money: confirm the unknown solved and the PV, FV, periods, rate, and payment relationship.
Annuity Rate of Return: review the implied return and balance projection across the entered premium and payment pattern.
Debt Payoff: review payoff order, balance-over-time chart, acceleration plan, impact summary, and amortization schedule.
Payroll Annualizer: review gross payroll, taxable wage bases, withholding, annual net cash flow, and monthly net payroll.
If a result is unexpected, return to the inputs and check timing, frequency, sign, pay periods, one-time items, rate units, and the selected scenario.
Use the result
Test the assumption that drives the conclusion and explain material limitations. An annuity result does not model every contract feature; a debt result must fit liquidity and other Goals; a payroll projection can be distorted by an unusual check.
Add adopted advice to Changes and implementation work to Tasks. Calculators support the decision; they are not the client deliverable by themselves.
Training workflow
Open the correct calculator.
Create or duplicate a scenario when supported.
Name the scenario for the client decision.
Enter and verify the source assumptions.
Review every relevant result surface.
Test the key alternative.
Print or preserve the result when supported.
Update the authoritative plan input and track adopted advice separately.