SkyZap exists because the tools people actually need to make financial and business decisions are almost always one of three bad things: buried inside a $200-a-month SaaS product, wrapped in a lead-capture form that emails your numbers to a salesperson, or a thin page of JavaScript surrounded by six ad units and no explanation of the maths.
We build the fourth option. Every SkyZap tool is free, requires no account, runs entirely in your browser, and documents the formula it uses.
#What we make
SkyZap publishes 12 professional-grade calculators and generators across finance, business, legal compliance, energy and developer tooling, alongside 48 long-form guides explaining the decisions behind the numbers.
The tools are not toys. The refinance calculator runs both amortisation schedules and credits the equity difference so a shorter term is not unfairly penalised. The business loan calculator converts factor rates to a true APR via internal rate of return. The SaaS metrics calculator computes lifetime value on gross profit rather than revenue, because the revenue version flatters every deck it appears in.
#How we are funded
SkyZap is funded entirely by display advertising. We do not sell leads, we do not take affiliate commissions on financial products, and no advertiser has any influence over what our tools calculate or what our articles conclude.
That distinction matters in this category. A refinance calculator run by a lender has a commercial reason to make refinancing look attractive. A solar payback tool run by an installer has a reason to assume optimistic production. We have no such incentive, which is why our tools frequently tell you not to do the thing you were considering.
#Your privacy
No SkyZap tool sends your inputs anywhere. There is no backend to receive them. Your loan balances, salary, client list and business metrics are processed by JavaScript running on your own device, and where a tool remembers your entries between visits it uses your browser's local storage, which we cannot read.
Advertising and analytics cookies are a separate matter, and we handle them through a consent banner that genuinely respects a refusal. See the Privacy Policy and Cookie Policy.
#Who writes here
Every article carries a named author with relevant working experience, and every tool page states its assumptions. Our editorial policy sets out how we research, review and correct what we publish.
Our contributors
Jordan Hale — Former mortgage underwriter, 12 years in consumer lending Jordan spent twelve years underwriting residential mortgages and consumer credit before moving into fintech product work. They write about lending, refinancing and household debt strategy.
Priya Raman — SaaS finance lead, ex-Series B CFO Priya has run finance at two venture-backed SaaS companies through Series B, closing four funding rounds. She writes about unit economics, pricing and the metrics investors actually diligence.
Marcus Okafor — Independent consultant, 9 years freelance Marcus has run an independent consulting practice for nine years across three countries. He writes about pricing, contracts, invoicing and the operational side of working for yourself.
Elena Fischer — Privacy engineer, CIPP/E Elena works on privacy engineering and data governance, and holds the CIPP/E certification. She writes about GDPR, CCPA and the practical mechanics of compliance for small teams.
Sam Whitaker — Staff engineer, applied AI & search Sam is a staff engineer working on applied AI systems and technical SEO at scale. They write about LLM cost engineering, structured data and search infrastructure.
Dana Reyes — Energy analyst, residential solar Dana models residential energy economics and has assessed several hundred rooftop solar proposals. They write about payback periods, incentives and utility rate structures.
#Contact
Corrections, methodology questions, partnership enquiries and bug reports all go to hello@skyzap.xyz. We read everything and we correct errors publicly.