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Account no. 06-2026Page 1 · kept honestly

The Creative Island · Island 06

Ledger Harbor

The business island of the archipelago. Margins, discounts, VAT, loans — every number a small business owner actually needs, calculated in your browser and never uploaded anywhere.

Approved · No sign-up

Every shop on this harbor keeps two books: the one for show, and the honest one. This island is built from the honest one.

The tools here answer the questions that decide whether a business floats: what is my real margin, what does this loan truly cost, how much VAT goes on top. No accounts, no uploads — the arithmetic happens on your own device.

The map · the grounds6 places on this island.

BLDG AThe Counting House · where profit is counted honestly

BLDG BThe Price Desk · discounts, markups and the real price

BLDG CThe Tax Window · VAT, without the headache

BLDG DThe Investment Desk · what your money actually earned

BLDG EThe Loan Office · EMI before you sign anything

BLDG FThe Harbor Master · invoice & quotation office — opening soon

The tool shed · open 24/710 tools · 2 guides, pinned to the board.

Free, fast and private — every tool opens straight from Google search, works on any phone, and never asks you to sign up.

💰Profit Margin CalculatorFree profit margin calculator — enter revenue and cost to get profit, margin percentage and markup instantly.Open tool ↗ 🎁Discount CalculatorFree discount calculator — enter price and discount percent to see the final price and exactly how much you save.Open tool ↗ 📈Markup CalculatorFree markup calculator — enter cost and markup percent to get the selling price, plus the margin it creates.Open tool ↗ 🧾VAT CalculatorFree VAT calculator — add VAT to a price or remove it, with Bangladesh's 15% as an editable default.Open tool ↗ 🎯ROI CalculatorFree ROI calculator — enter what you invested and what you got back to see return on investment, profit and annualized return.Open tool ↗ ⚖️Break-even CalculatorFree break-even calculator — enter fixed costs, price per unit and variable cost to find exactly how many units you must sell to stop losing money.Open tool ↗ 🏦EMI CalculatorFree EMI calculator — enter loan amount, interest rate and term to see your exact monthly payment and total interest.Open tool ↗ 💰DPS CalculatorFree DPS calculator — enter monthly deposit, profit rate and tenure to see your maturity value, total deposits and total profit.Open tool ↗ 💰FD CalculatorFree fixed deposit calculator — one deposit, quarterly compounding, profit, AIT tax estimate and monthly-payout mode.Open tool ↗ 💰Gratuity CalculatorFree gratuity calculator (Bangladesh Labour Act) — last wages, years of service, 30/45-day rate, instant estimate.Open tool ↗ 📖DPS vs FD — কোনটায় বেশি মুনাফা?একই টাকায় দুই পথের সরাসরি তুলনা — হিসাব, সূত্র, কর ও ১-সেকেন্ড কম্পেয়ার টুল।Open guide ↗ 📖গ্রাচুইটির নিয়ম — সহজ ভাষায়ধারা 2(10), ৩০/৪৫ দিনের হার, ১০ বছরের লাফ, কর-মুক্ত সীমা — উদাহরণসহ পূর্ণ গাইড।Open guide ↗

Next on the harbor map: invoice generator, quotation builder and business name generator — the offices are being furnished.

🔒 Privacy, the island rule

Every tool on Ledger Harbor runs entirely in your browser. Nothing you type is uploaded, saved or sent anywhere — no accounts, no tracking. Close the tab and your data is gone, the way it should be. Details: Privacy Policy.

▶ Read everything from Ledger Harbor

Island by Rahul Smoothy · part of The Creative Island

THE ARCHIPELAGO · 10 ISLANDS AND GROWING

Speedboat dock.

Where to next, captain? The boat runs from this island straight to every other island of the archipelago.

🏝️Main Islandthe home portSail back ↗ 🎯The 90s Kids IslandIsland 01 · the memory islandVisit ↗ 🎮Pixel LagoonIsland 02 · the gaming islandVisit ↗ 🛒Bazaar BayIsland 03 · the shopping islandVisit ↗ 🤝Client CoveIsland 04 · for clientsVisit ↗ 🎓Scholar BayIsland 05 · student toolsVisit ↗ 💼Ledger HarborIsland 06 · you are here 🕑Clocktower TownIsland 07 · daily toolsVisit ↗ 💻Circuit CoveIsland 08 · developer toolsVisit ↗ 🎨Palette AtollIsland 09 · design toolsVisit ↗ 📄Paper PortIsland 10 · text toolsVisit ↗ 🧑‍💼Career StationIsland 11 · career toolsVisit ↗ 📷Darkroom IsleIsland 12 · photo toolsVisit ↗ 🧬Research ReefIsland 13 · science toolsVisit ↗ 🔒Safe HarborIsland 14 · security toolsVisit ↗