Free accounting tools
The checks an accountant actually runs.
Not a calculator with a currency symbol on it. Each of these exists because the alternative is a desk calculator, a printout and a pen — or a web tool that uploads a client’s data to somebody else’s server. These run entirely in your browser. Nothing you paste leaves the tab.
- Tools
- 22
- Network calls
- None
- Money held as
- Integer minor units
- Also runs
- In the Chrome extension
01 · 5 tools
Reconciliation & investigation
The four questions that eat a close: what is the difference, which items make up this receipt, which of these two lists match, and is anything in here twice.
- Difference diagnoserOut by 8,100? That is divisible by 9 — a transposition. This says which error fits the gap.Difference8,100.00
- Which invoices make this deposit?A deposit against forty open items. Exact subset-sum over minor units — no floating point.4 items14,203.55
- Two-list matcherBank against ledger: exact, then reference, then a date window, then one-to-many — and what is left on both sides.Difference(14.00)
- Duplicate paymentsSame vendor, same amount, close in time — plus the same reference whatever the date.Potential double-payment3,510.40
- Benford & round numbersTwo cheap tests over a pasted column. Neither proves anything; both tell you where to look.χ² (8 df)7.62
02 · 4 tools
Schedules that tie
Every one computes in minor units and forces the last period to absorb the rounding, so the schedule sums to the cost exactly. A schedule out by 0.03 is a journal that does not post.
- Depreciation scheduleStraight-line, declining balance or SYD, with the convention that decides the first period.Total charge12,000.00
- Prepaid & deferred releaseA premium paid on the 17th does not release in twelve equal slices. Day-weighted, or even — your call.Released in total12,000.00
- Loan amortisationLevel payment solved, then walked in minor units so the last payment clears the balance exactly.Payment4,891.54
- Lease — ASC 842 / IFRS 16PV of the payments at your IBR, the liability unwind and the ROU asset — straight-line for a finance lease, the plug to a level cost for an operating one.Lease liability at commencement165,176.86
03 · 6 tools
Money maths
The arithmetic that goes wrong in a spreadsheet because someone divided where they should have multiplied.
- VAT / sales taxGross to net is a division, not a multiplication. The three figures always add back up.Net1,000.00
- Margin & markupThey are not the same number, and confusing them is how a price list quietly loses money.Profit40.00
- FX conversion & gain/lossThe rate is the one in your policy, so you type it. No live rate, no network call, no stale surprise.FX loss(500.00)
- Penny-exact allocationSplit 100.00 three ways and get 33.34 / 33.33 / 33.33 — never a cent left in suspense.Allocated10,000.00
- NPV, IRR & XIRRIRR by bisection, so a sign-change-heavy series does not converge on a confident wrong answer.NPV1,307.29
- Effective vs nominal rate12% compounded monthly is 12.68%. That difference is the covenant you either pass or fail.Effective annual rate12.6825%
04 · 2 tools
Dates & terms
Due dates that do not shift with a timezone, and the day-count convention the contract actually names.
05 · 2 tools
The ledger itself
Debit and credit as two columns, checked the way a reviewer checks them.
06 · 3 tools
Data hygiene
Getting a number out of whatever a report threw at you, and checking an identifier without asking anyone.
- Number cleaner(1,234.56) · 1.234,56 · 1,234.56- · $ 1 234.56 · 1.2k → clean signed values, one per line.Sum1,200.00
- IBAN, routing, VAT, EINChecksums, offline. A valid IBAN is not a real account, and this says so.ValidGB82 WEST 1234 5698 7654 32
- Amount in wordsFor the check, the note, the contract schedule — with the cents as a fraction over 100.ReadsOne thousand two hundred thirty-four dollars and 56/100 only
Lopifi Tools for Chrome
Foot a PDF the way you would on paper.
Drag a box over a column on a bank statement and it sums the figures from the text layer — parentheses negative, trailing signs negative, European grouping understood, percentages ignored — then tells you whether it foots to the printed total.
- Tick marks with a legend that prints
- Sticky notes that merge between colleagues
- An adding-machine tape you can export
- On-device AI, or none at all
What these deliberately don’t do.
Not missing features. It is what makes them safe to point at a client’s bank statement, and the reason there is nothing here to breach.
No silent OCR
A scanned page gets a clear warning, not a plausible wrong number.
No live FX rate
You type the rate, because the correct rate is the one in your accounting policy, not today’s.
No auto-posting
Every output is something you copy, look at, and paste.
No cloud
No account, no sync, no share link, no cloud AI. Sharing a set of notes is sending a file.
Common questions.
What are the Lopifi tools?
22 small calculators for the checks an accountant actually runs: diagnosing a difference, finding which invoices a deposit paid, building depreciation and lease schedules that tie to the cent, allocating an amount penny-exact, and pricing payment terms as the borrowing they are.
Is anything I type sent to a server?
No. Every tool computes in the browser — there is no upload, no account and no logging of what you enter. That is deliberate: the figures people would paste in are client figures.
Why does a difference divisible by nine mean a transposition?
Swapping two adjacent digits changes a number by nine times the difference between them, so any transposition error leaves a gap that divides evenly by nine. The difference tool checks that first, then tests for a doubled entry, a sign flip and an omitted item.
Can I use these on a PDF?
Yes — the same tools ship in the Lopifi Tools Chrome extension, which runs them on top of any PDF you open: box a column, it sums it from the text layer and tells you whether it foots to the printed total.