The Floray Toolkit · free, no sign-up
Fifteen tools. Play with your numbers.
Tax, cash, carbon, fraud and a full business plan builder. Everything runs in your browser and shows its working. Try four of them right here.
0/15Your passport: start exploring👣🧾🕵️🌿📐🎮🔥👑Live tool console
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Net ₦250,000Total ₦268,750
The catalogue
Pick a tool, any tool
- NewBuilder
Business Plan Builder
Answer guided questions and get a complete business plan with three-year projections, ready to print or share.
- Executive summary and SWOT
- Three-year profit and loss
- Cash flow and break-even
- Print, Word or save to your account
A full plan in 15 minutes
- Calculator
PAYE Calculator 2026
Your tax and take-home pay under the Nigeria Tax Act 2025, compared with the old law.
₦800,000 tax-free from 2026
- NewCalculator
Is This Loan Worth It?
The true cost of a loan, flat or reducing balance, fees included, and whether it pays for itself or strains your income.
Flat rates cost nearly double
- NewBuilder
Investment Plan Builder
Set a goal, a monthly amount and your appetite for risk, and get a plan: an asset mix, milestones and a year-by-year projection.
A plan in five minutes
- Calculator
VAT Calculator
Add or remove 7.5% VAT from any amount in a second.
7.5% standard rate
- Calculator
Company Tax Estimator
Check whether you count as a small company and estimate income tax and development levy.
Small company: ₦100m turnover
- Calculator
Break-even and Runway
The sales you need each month to cover costs, and how long your cash lasts.
Fixed costs ÷ margin
- Calculator
Carbon Footprint Calculator
Turn diesel, petrol and grid electricity into tonnes of CO₂, with a shareable badge.
2.7 kg CO₂ per litre of diesel
- Check
ESG Readiness Check
Twelve questions across environment, social and governance, with your biggest gaps.
12 questions, 3 pillars
- Check
Sustainability Reporting Timeline
When IFRS S1 and S2 reporting becomes mandatory for your kind of organisation.
Mandatory from 1 Jan 2028
- Check
Fraud Risk Check
Twelve questions on cash, people and oversight, with where investigators look first.
12 questions, 3 areas
- Check
IT Readiness Check
Ten questions on strategy, systems, data and security, with the gaps to close first.
10 questions, 4 areas
- Check
Service Matcher
Tell us what is going on and we'll point you to the right Floray practice.
Two steps to the right door
- Builder
Training Programme Builder
Pick topics, audience and format, and send us a ready-made training brief.
12 topics, any format
- Game
Decision Games
Play the finance manager with a suspicious supplier email, and the owner whose cash runs short.
Two stories, five scenes each
Private by design
Every tool runs in your browser. Nothing you type is sent or stored unless you save it to your own account.
Shows its working
Each result explains how it was calculated, band by band and line by line.
Sourced and dated
Rates come from the Nigeria Tax Act 2025 and official sources, with the date they were last checked.
Honest about limits
Assumptions are listed with every result, and we say when you need a professional.
Ready when you are
Ready to take the next step?
Tell us what is going on. A Floray adviser replies the same working day, and a proposal with scope, timing and fee usually follows within two.
0803 308 1244 · info@floraypro.com
