For publishers
Put a UBWHY calculator on your own site
UBWHY builds interactive financial calculators for its own publication: deterministic models, documented methods, and every figure calculated in the reader's browser. This page offers one of them as a hosted embed on your site, under a small pilot.
It is a pilot, and it is described here as one. Nothing below is a rate card, a product launch or a platform.
Who this is for
Publishers who already write about money and whose readers arrive at a question a calculator answers better than a paragraph: independent finance publications, newsletters with a website, investing creators with an owned web presence, financial-education businesses, and fee-only advisers who publish explanatory content.
It is a poor fit if you need bespoke financial logic, a regulated workflow, a tax engine, or a calculator built to your own model. That is software development, and it is not what this is.
How it works
- You choose one of the four published calculators below.
- UBWHY hosts it and gives you one line of HTML: an
iframepointing at a URL on ubwhy.com, configured for your site and your name. - You paste it into the article or template where it belongs. It sizes itself to the column it sits in.
- The calculation runs in your reader's browser, against the same model the public UBWHY calculator uses. When UBWHY corrects a model, your embed is corrected in the same release.
There is no script to install, no account to create and nothing to keep updated. If you later stop, you delete the iframe.
A live embed
This is the Investment Fee Drag calculator, running in a frame exactly as it would on your site. Enter figures and calculate: nothing is sent anywhere, and nothing is stored.
Open the embed in its own tab to see exactly what is served, orthe full calculator on UBWHY for the method, the worked example and the model record.
The four calculators
Every one is published, in use on this site, and documented. The pilot covers one of them.
Investment Fee Drag Calculator
How much could fees reduce your future investment value?
Converts recurring percentage and fixed investment costs into a projected end-value effect under your own assumptions, and separates the amounts deducted from their compounding effect.
Drawdown Recovery Calculator
How much must an investment gain after a loss, and how long could recovery take under the assumptions you enter?
Turns a loss into the gain needed to reverse it, and separates regaining the old balance from catching the plan the portfolio was on before it fell.
Real Return after Fees and Inflation Calculator
Your balance grew, but did your purchasing power grow after fees and inflation?
Projects a nominal balance after your own fee assumptions, translates it into start-date purchasing power, and compares it with the inflation-adjusted value of every amount contributed at the date it was contributed.
Opportunity Cost Calculator
What projected financial value do you give up by choosing one use of the same money over another?
Projects two uses of the same money over one horizon, under your own value-change assumptions, and reports the gap in ending value and where one path overtakes the other.
Emergency Fund Runway Calculator
How long can your usable liquid buffer cover the monthly shortfall in this scenario?
Counts only the liquid resources you would genuinely use, nets off the income that continues, and reports how many months of shortfall the remainder covers.
Rental Break-even and Cushion Calculator
How much can go wrong before the rental starts costing you money?
Nets vacancy, owner costs and debt service against a scheduled rent to find where monthly cash flow reaches zero, and excludes purchase price and gross yield by design.
Staking Yield after Fees and Token Dilution Calculator
After reward fees and token-supply growth, are you gaining relative ownership or only receiving more tokens?
Applies reward fees to the rewards rather than to the balance, then divides the resulting token growth by your own supply-growth assumption to report what happened to your share.
Markup vs Margin Calculator
What margin does a price or a markup actually produce once fees and per-order costs are counted?
Reconciles price, markup, gross margin and contribution margin, and shows the per-unit bridge that percentage fees and per-order costs open between them.
Liquidity Provision Fee Break-even Calculator
How much fee income does a pooled two-asset position need before it beats simply holding the two amounts?
Reports the fee income, as a share of the position, at which a rebalanced two-asset position matches having held the two amounts, and the price moves a given fee income covers.
High-Water Performance Fee Calculator
A fee of X% of gains above a hurdle, subject to a high-water mark — what does that structure actually cost over a given run of returns?
Applies a hurdle and a high-water mark period by period over a return path you enter, and reports what the fee takes and what share of the gross gain that turns out to be.
Withdrawal Fee and Pot Depletion Calculator
What is the percentage fee as a share of the income I am drawing, and how much sooner does the pot run out because of it?
Runs the same pot, withdrawal and return twice, once with your annual fee and once without, and reports the fee as a share of the income drawn and the months of income it costs.
Bond Fund Break-even Calculator
How long must a bond fund be held before higher yields repay the fall in its price?
Finds the holding period at which a rate move has been repaid, publishing the single-rise and the repeating-rise horizons together because sources answer one without saying which.
Repayment Multiple as an Annual Rate
An arrangement quotes a multiple rather than a rate. What is repaying 1.4 times what you take as an annual rate?
Converts a quoted repayment multiple into an implied annual rate over the term the arrangement itself implies, and settles the same multiple at four other repayment speeds.
Structured Payoff: Floor, Cap and Participation
How much upside does a floor actually cost, and where does holding the index directly pay more?
Computes a floor, cap and participation payoff for an index outcome you state, and marks where each bound begins to bind and where the structure and the index change places.
Leverage Decay Horizon Calculator
Over what holding period does a fund with a daily multiple stop delivering that multiple?
Measures how long a daily-multiple fund takes to fall a shortfall you choose behind the multiple of its underlying, with the causes of the gap kept separate rather than merged.
Paying a Premium Monthly, as an Annual Rate
A quotation prices monthly payment as a percentage of the whole premium. What is that as an annual rate?
Reads an instalment quotation back as the annual rate it is really charging, from four figures printed on the quotation, and sets the stated uplift beside it.
Deposit Needed for the Next Price Band
How much more deposit reaches the next loan-to-value band, and what is that band actually worth?
Takes a price, a deposit, a term and the band table you are looking at, and splits the monthly saving into what the smaller loan buys and what the lower rate buys.
Turnover Past a Registration Threshold
What does the first unit of turnover past a registration threshold cost, and how far does the loss run?
Shows what crossing costs on turnover already earned, and how wide the range is over which more turnover leaves a business worse off than stopping short of the threshold.
Waiting Out a Redemption Gate
If everyone asks at once, how long does a gated fund take to return the share you would count as out?
Reports the wait in dealing periods and in days for the share you would count as having got your money out, and what is still in the fund when the schedule ends.
Write-Off Shortfall Over a Finance Term
If the vehicle is written off, how far short does the insurer’s settlement fall of what the lender is owed?
Traces the gap between settlement and finance balance month by month: when it opens, how large it gets and when it closes, at each of two depreciation rates rather than one.
Dividend Withholding Drag at Two Rates
If two funds suffer different blended withholding rates, what is the difference worth over your horizon?
Sets two blended withholding rates against a gross dividend yield and reports what each takes a year, and what the difference between them has come to per unit of capital.
Contribution Limit When the Allowance Tapers
When an allowance tapers against income your own contribution enters, what is the largest contribution that fits?
Solves the circular limit exactly from your own figures, and reports how far it falls below the figure reached unaided and whether the arrangement has a solution at all.
Marginal Rate Inside a Benefit Withdrawal Band
What does a benefit withdrawn above a threshold add to the rate on your next unit of income?
Reports what one unit of the benefit adds to the marginal rate inside the band and what the whole benefit adds, because the effective rate scales with the number of units.
Lump Sum to the Liability Line, and the Cheaper Exit
Have you reached the line that lets you hand the vehicle back, and is paying up to it cheaper than settling?
Tests an agreement against the share of the total amount payable that voluntary return requires, and costs three ways out of it side by side from your own figures.
Settlement When a Loss Outlasts the Indemnity Period
If the recovery outlasts the indemnity period, how much of the loss is actually inside the policy?
Truncates the loss at the indemnity boundary, applies average and the limit to what remains, and reports all four reductions separately rather than as one settled figure.
Currency Drag on Overseas Dividends and Trades
What is a platform’s currency spread costing you a year across overseas dividends and trades?
Splits the annual currency cost into the dividend leg and the two trading legs, and reports the dividend yield at which it outweighs the annual fee you are ranking it against.
Reinvestment Charge Against One Dividend
Below what dividend size is a reinvestment charge taking more of the payment than you would accept?
Prices one reinvestment against your platform’s charge structure, and reports the smallest dividend that stays inside the share of a payment you will accept losing.
Cost of Floating a Refundable Sum to a Deadline
You pay a sum now and get it back later, unless a deadline passes first. What does the wait cost, and what does missing it cost?
Prices both outcomes of a refundable sum from your own figures: what carrying it costs by the month you expect it back, and what missing the deadline would cost on top.
Extra Tax When Accumulated Income Was Never Recorded
Income was taxed inside your holding every year and you never recorded it. What does that cost in extra tax when you sell?
Works out what the missing records actually cost at a disposal, where the usual answer overstates it, and after how many years it starts to matter.
The Investment Fee Drag calculator has the embed delivery today. Extending it to another of the four is part of onboarding rather than a separate project; say which one you want and it is scoped in the same conversation.
How these are built
- Deterministic
- The same inputs always produce the same outputs. No forecast, no market data, no randomness, no model that changes under a reader mid-session.
- Documented
- Every calculator publishes its formulas, its timing conventions, its assumptions, its limitations, a worked example and a dated correction history. The method is reachable from inside the embed.
- Private by construction
- A calculation makes no network request and writes no cookie, no
localStorage, nosessionStorageand no URL parameter. Your readers' figures never leave their browsers, so there is nothing for you to disclose and nothing for UBWHY to hold. - Nothing inside the calculator measures anything, and no reporting on what your readers enter is offered, because collecting it would break the sentence above.
- Accessible
- Keyboard operable, landmarked and labelled, with a text equivalent beside every chart, to the same baseline the public calculators hold.
- Responsive
- Renders from 360px upward without horizontal scrolling.
Pilot price
€990one-time setup
€79 per monthhosting and maintenance
These are pilot prices for the first customers. They are a test of what this is worth, not a published rate card, and they are not derived from a market survey.
Invoiced manually, in euros. There is no card form, no subscription mechanism and no automatic renewal.
What a pilot includes
- One published UBWHY calculator, chosen from the four below.
- Hosted by UBWHY, embedded in one page or template on one approved domain.
- The same deterministic calculation model the public UBWHY calculator uses, with no second implementation and no separate figures.
- Documented methodology, reachable from inside the embed.
- Responsive rendering from 360px upward, and the same keyboard and screen-reader behaviour as the public calculator.
- Every calculation in the reader’s browser: no request, no cookie, no storage, no measurement.
- Maintenance and model corrections for the duration of the pilot.
- Your name in the embed header, and the choice of whether it carries a “Calculator by UBWHY” line.
- Manual onboarding: a short scoping exchange by email, then UBWHY configures and activates it.
What it does not include
Stated here rather than discovered later. The scope is narrow on purpose: it is what makes the price and the maintenance commitment deliverable.
- Custom financial formulas, bespoke calculators or customer-specific model logic.
- Tax calculations of any kind.
- Accounts, logins, saved scenarios or lead capture.
- A reporting dashboard, or any measurement of what your readers enter.
- Third-party scripts, tracking pixels, tag managers or advertising integrations inside the embed.
- Arbitrary CSS or HTML, or changes to result wording, assumptions, warnings or the order figures appear in.
- Affiliate links, referral parameters or product promotion inside the calculator.
- CRM integration, API access or a self-service embed builder.
Editorial independence
- Licensing a calculator does not buy editorial coverage, a review, a verdict, a mention or a link.
- A commercial relationship has no effect on any UBWHY analysis, verdict or affiliate decision, and no customer sees an analysis before it is published.
- This is technology licensing. UBWHY hosting a calculator on a site is not an endorsement of that site, its publisher or anything it sells.
- UBWHY keeps control of the calculation methodology and of model corrections, and applies a correction to every embed at the same time as to the public calculator.
The editorial principles and thedisclosure policy apply unchanged, and they were written before this page existed.
Discuss an embed pilot
Email UBWHY with a link to the article or section the calculator would sit in, which of the four you have in mind, and the domain it would be embedded on. That is enough to say whether it fits.
Onboarding is manual and deliberately so: a short exchange, then UBWHY configures and activates it. No account is created and no response time is promised.