Emotional hook
“I’m only better than 20% 😭”
Viral Money Tool
Are you financially normal?
Galicious turns budgeting into a financial reality check with percentile rankings, future predictions, brutally honest feedback, and calculators people actually want to share.
Retention hook
Come back monthly and beat your own score.
Decision hook
See the cost of today’s habits over 5 years.
Showing 29 of 29 tools.
Personal Finance
Build stronger day-to-day money habits with practical planning tools.
Personal Finance
Savings Goal Calculator
Estimate how long it takes to reach a savings goal.
Personal Finance
Emergency Fund Calculator
Determine recommended emergency fund and saving timeline.
Personal Finance
Budget Planner
Track income, expenses, and savings balance with a simple monthly budget snapshot.
Personal Finance
Debt-to-Income (DTI) Calculator
Measure debt burden as a percentage of gross monthly income.
Payments
Mobile Money Fee Comparator
Compare M-Pesa, Airtel Money, and T-Kash transfer fees side by side.
Tax
VAT / Tax Calculator
Add VAT to base prices or extract VAT from gross prices.
Loans & Debt
Compare borrowing options and understand repayment impact before you commit.
Debt
Loan Interest Calculator
Compute monthly payment, total repayment, and total interest.
Real Estate
Mortgage Calculator
Estimate mortgage payment with down payment and term.
Debt
EMI Calculator
Estimate monthly EMI, total repayment, and total interest for a fixed-rate loan.
Debt
Simple Interest Calculator
Compute interest and maturity amount using simple interest.
Business Finance
Run key scenarios for pricing, runway, and profitability in minutes.
Business
Break-even Calculator
Find break-even units and units required to hit target profit.
Startup
Startup Runway Calculator
Estimate months before cash runs out at current burn.
Business
Profit Margin Calculator
Calculate unit profit, margin, and sales needed for a target profit.
Sales
Commission Calculator
Calculate commission earnings and required sales for a target income.
Accounting
Depreciation Calculator (Straight-line)
Estimate annual and monthly depreciation expense.
Sales
Discount Pricing Calculator
Calculate discounted price, savings, and total payable.
Operations
Inventory Turnover Calculator
Measure stock efficiency and days inventory outstanding.
Business
Invoice Discounting Calculator
Estimate advance amount and net payout after factoring fees.
Business
IRR Calculator
Estimate internal rate of return from a 3-year cash flow stream.
Growth
LTV to CAC Calculator
Compare customer lifetime value against acquisition cost.
Sales
Markup Calculator
Convert between cost, selling price, and markup percentage.
Business
NPV Calculator
Discount future cash flows to get net present value.
Business
Payback Period Calculator
Estimate time needed to recover initial project investment.
Investment & Growth
Evaluate returns, compounding, and long-term capital growth with confidence.
Investing
Compound Interest Calculator
Project future value with compounding and contributions.
Investing
ROI Calculator
Calculate ROI and annualized return for an investment.
Investing
CAGR Calculator
Find compound annual growth rate between starting and ending value.
Investing
NPV / IRR Calculator
Calculate both net present value and internal rate of return for one project.
FX
Currency Converter (Manual Rate)
Convert currency with a user-supplied exchange rate.
Trading
Forex Lot Size Calculator
Estimate lot size from account risk, stop loss, and pip value.
Why Galicious Feels Different
PR
Percentile Ranking
See how your money habits compare with people your age instead of guessing.
FT
Future Forecasts
Watch the next 1, 3, and 5 years split into “keep going” versus “fix it now.”
SH
Shareable Results
Designed to trigger curiosity, comparison, and just enough drama to be worth sharing.