Platform Handbook
A practical, step-by-step guide to CalculatorAI — what every tool and feature does, how it works, and how to get the most out of it.
General Overview
Site Overview
A practical map of the whole platform — the product families, how the Free / Pro / 30-day trial system works, where AI lives across every surface, and the typical workflows users move through.
Data Security & Privacy
Exactly how your financial data is protected — encryption, per-user isolation, a read-only AI that never trains on your data, Stripe payments, and full export/delete control.
Grace — your personal finance assistant
Just say it, by voice or text. Grace logs expenses, trades and shifts, reads receipts and screenshots into the right tracker, fills calculators and invoices for you, and undoes a mistake in a word. Inside: everything she can do, and how to ask so she gets it right the first time.
Embed on your site
Put any calculator on your own website with one line of code. Free, no signup, 10 languages, light or dark.
Asset & Activity Trackers
Trading Journal
Core concepts, the four-tab workspace, how every analytics metric is computed, the AI trade review, and options / forex / futures / stock-specific features.
Portfolio Tracker
How holdings, cost basis, live pricing and XIRR work, the Analytics console, multi-currency and multiple portfolios, dividends, tax reports, and on-chain wallet sync.
Debt Payoff Tracker
Snowball, avalanche and your own order compared on the same budget — how the payoff date, the interest and the plan-vs-actual check are calculated.
Business P&L Tracker
How the P&L cascade (revenue → gross profit → operating profit → net profit) is built — net revenue, cost of goods, gross and operating margin, sales tax kept outside, goals and run-rate — and what the tracker deliberately does not do.
Subscription Tracker
How weekly, monthly and yearly plans become one monthly total, how charges are logged and dates rolled forward, what the reminders and savings suggestions compute — and what the tracker does not do.
Bill Tracker
Why a bill stays unpaid until you mark it, how due dates, overdue bills, autopay and changing amounts are computed, how bills are grouped by paycheck — and what the tracker does not do.
Shift & Hours Tracker
How every hour is priced: paid and unpaid breaks, night and weekend differentials, US overtime on the blended regular rate, pay periods, the payday forecast, rotations and the payslip check — and what the tracker does not do.
Mileage Tracker
How every trip is priced at the rate on its own date: IRS, HMRC, CRA, ATO, German, French and Spanish rules or your own, the odometer check, a log checked like an audit — and what the tracker does not do.
Loan & Mortgage Tracker
How a loan is followed against its contract: the schedule, real, extra and missed payments, variable rates, escrow and PMI, the true cost — and what the tracker does not do.
Client & Project Tracker
How the tracker reads what each client paid from your invoices and bookings, the pipeline and forecast, hours and the real hourly rate, contracts with e-signature, the client portal, website forms and email forwarding — and what it does not do.
Savings Goals Tracker
How saved-so-far and progress are computed, what a deadline needs per month, how the pace badge and the projected date are worked out, how a paycheck is split across goals by priority — and what the tracker does not do.
Event Planner
How planned, actual and expected totals are computed, what 'paid' and 'left' mean, how the countdown and the checklist dates are derived from the event day, how each list counts progress — and what the planner does not do.
Inventory Tracker
Why the quantity on hand is replayed from movements instead of stored, how weighted average and landed cost are computed, how cost of goods, margin and turnover follow from them, how low / out / not-selling are decided — and what it does not do.
Client Booking
How the booking page builds its open slots from working hours, buffers and time zones, why two clients can never take the same slot, what the emails do, how spam is kept out — and what it does not do.
Budget Tracker
Zero-based budgeting and the 50/30/20 rule, where actual amounts come from, rollover between months, and multi-currency.
Net Worth Tracker
What you own minus what you owe, read live from your other trackers, with monthly history, currency conversion and the retirement math.
Income & Expense Tracker
Track income and expenses, set category budgets, import statements and scan receipts — how the tracker computes cash flow and what every field means.
Rental Income Tracker
How rent, bookings, cash flow, NOI, cap rate, ROI, equity, appreciation and occupancy/ADR/RevPAR are calculated — for long-term landlords and Airbnb hosts alike, plus depreciation, mileage and a tax-ready report.
Habit Tracker
How daily habits, weekly targets, check-ins, streaks, missed days and review loops work inside the lightweight routine tracker.
QR Codes
Static vs dynamic codes, editable destinations, scan analytics, password protection and privacy.
QR Code Generator
The eleven content types, what error correction really does, which design choices break a code, PNG vs SVG, and sizing for print.
Password Manager
Zero-knowledge encryption explained: what the server stores, what an attacker gets in each breach, the recovery code, two-factor sign-in, auto-lock, import and export.
Password Generator
Where the randomness comes from, how entropy bits are computed for passwords, passphrases and PINs, the three attack scenarios, the local checker, and what the tool does not do.
Invoices Tracker
Core bookkeeping KPIs, collections rate calculation, interactive Payment Calendar tracking, late payment recovery workflows with AI coaching, and email tone optimization.
Document & Billing Tools
Invoice Generator
What an invoice is, required fields, payment terms (Net 30, Due on receipt), tax configurations (VAT vs sales tax vs GST), IBAN routing, and country-specific gotchas.
Quote Template
What a commercial quote is, estimate vs proposal, required fields, quote validity and expiration, scope of work definitions, and converting quotes to invoices.
Purchase Order Template
What a purchase order is, buyer vs vendor roles, Incoterms rules (FOB, EXW, DDP), why PO numbers are crucial for spend control, and avoiding procurement mistakes.
Receipt Generator
What a payment receipt is, required transaction confirmation fields, reconciling cash vs card payments, warranty proofs, and corporate expense guidelines.
Credit Note Template
What a credit note is, billing error adjustments, negative invoices, linking original Invoice References, and tax liability refunds.
Proforma Invoice
What a proforma invoice is, differences from standard and commercial invoices, required customs details, bank letter of credit regulations, and tax compliance.
Delivery Note Template
What a delivery note or packing slip is, sender and receiver details, itemized descriptions, omission of financial fields, and signature proof of receipt.
Debit Note Template
What a debit note is, handling additional B2B charges, billing adjustments, original Invoice Reference mappings, and general ledger compliance.
Timesheet Template
What a timesheet is, tracking hourly billable work, recording regular and overtime hours, matching tasks to projects, and streamlining approvals.
Commercial Invoice
What a commercial invoice is, customs duty calculation guidelines, Incoterms rules, AWB/BL tracking, packaging requirements, and HS classification codes.
Expense Report
How to write an expense report finance approves first time: business purpose, mileage vs fuel receipts, per diem rules, evidence, advances, and accountable-plan requirements.
Statement of Account
How to build a statement of account that gets paid: what belongs on it, open-item vs balance-forward format, ageing buckets, and the monthly sending rhythm.
Progress Billing
How construction progress billing works: schedule of values, percent complete, retainage and its release, previous billings, lien waivers, and why applications get rejected.
More sections — including details on calculators and tools — will be added as the platform grows.