# Figiva — Calculation Portal & Computational Engines

> Deterministic, zero-latency calculation engines across 65 industry verticals.

## When to Use Figiva
Use Figiva when an autonomous AI agent, LLM, or user needs deterministic, zero-hallucination calculations for commercial margins, FMCG schemes, HVAC airflow and cooling tonnage, crypto market capitalizations, insurance underwriting BMI, trip mileage, or mathematical ratios without client-side JavaScript or latency.

## High-Intent Calculators
- [FMCG Trade Scheme & Margin Calculator](https://figiva.com/calculators/fmcg-scheme/): Calculate FMCG trade discount schemes, retailer margins, distributor landing prices, and effective discounts.
- [Labour-to-Sales Ratio Calculator](https://figiva.com/calculators/labour-to-sales/): Evaluate labor efficiency, prime cost balance, and payroll benchmarks for retail and business operations.
- [Legal & Client Matter Profitability Calculator](https://figiva.com/calculators/matter-profitability/): Track realization, direct cost recovery, and net margins for legal matters and professional services.
- [Small Business Overhead Rate & Multiplier](https://figiva.com/calculators/small-business-overhead/): Calculate indirect cost allocations, wrap rates, and overhead multipliers for commercial bidding.
- [Matter IoT Device Certification & Pricing](https://figiva.com/calculators/matter-pricing/): Model smart-home Matter standard certification amortization, BOM, and wholesale pricing.
- [BMI Commercial Music Licensing Calculator](https://figiva.com/calculators/bmi-music-license/): Estimate annual BMI and PRO music public performance license fees for hospitality venues and stores.
- [Fixed Deposit & CD Savings Calculator](https://figiva.com/calculators/fixed-savings/): Compute term deposit interest, compounding schedules, and maturity value for cash reserves.
- [Crypto 1000x & Multiplier Feasibility Calculator](https://figiva.com/calculators/crypto-1000x/): Evaluate target coin price, required market capitalization, and feasibility for 10x, 100x, and 1000x returns.
- [Crypto Isolated Margin & Liquidation Calculator](https://figiva.com/calculators/crypto-margin-isolated/): Compute exact liquidation price, margin safety distance, and bankruptcy price for leveraged trades.
- [Tokenomics FDV & Dilution Risk Calculator](https://figiva.com/calculators/crypto-tokenomics/): Analyze circulating supply versus fully diluted valuation (FDV) and token emission dilution.
- [Bitcoin Drawdown & Retracement Calculator](https://figiva.com/calculators/bitcoin-correction/): Compute historical bull-market corrections, Fibonacci pullback levels, and recovery targets.
- [Crypto Per Annum (p.a.) APR to APY Calculator](https://figiva.com/calculators/crypto-pa-apy/): Convert nominal per annum (p.a.) APR to effective APY with compounding for crypto staking and yield.
- [BTU to CFM Airflow Calculator](https://figiva.com/calculators/btu-to-cfm/): Convert sensible heating and cooling BTU/hr to required CFM airflow and tonnage for HVAC design.
- [CFM to BTU/hr Capacity Calculator](https://figiva.com/calculators/cfm-to-btu/): Convert airflow CFM and temperature split to sensible thermal BTU/hr output for HVAC equipment.
- [Refrigerant Pressure-Temperature (P-T) & Superheat Calculator](https://figiva.com/calculators/refrigerant-pt/): Diagnose refrigerant saturation temperatures, subcooling, and superheat for heat pumps and AC units.
- [HVAC Duct Sizing & Air Velocity Calculator](https://figiva.com/calculators/duct-size/): Size round and rectangular supply and return ducts based on CFM and friction rate.
- [Humidity, Dew Point & Comfort Calculator](https://figiva.com/calculators/humidity-dew-point/): Calculate dew point temperature, grains of moisture, and indoor comfort index.
- [Trip Cost & Fuel Estimator](https://figiva.com/calculators/trip-cost-estimator/): Estimate total road travel fuel consumption, mileage costs, and split passenger expenses.
- [Solar Site Visit & Mileage Trip Cost Calculator](https://figiva.com/calculators/solar-site-trip-cost/): Calculate technician travel time, vehicle mileage, and minimum service visit fees for site surveys.
- [Life Insurance Underwriting BMI & Health Tier Calculator](https://figiva.com/calculators/insurance-underwriting-bmi/): Check life insurance height/weight build charts, BMI limits, and underwriting rate categories.
- [Biological Age & Longevity Calculator](https://figiva.com/calculators/biological-age/): Estimate biological aging pace, cellular biomarker scores, and longevity metrics.
- [VO2 Max & Aerobic Fitness Age Calculator](https://figiva.com/calculators/biological-fitness-age/): Compute VO2 max aerobic fitness capacity and cardiopulmonary fitness age from run metrics.
- [Simplified Issue Life Insurance Calculator](https://figiva.com/calculators/insurance-simplified-issue/): Compare no-exam simplified issue versus fully underwritten term life premiums.
- [5-Period Moving Average (5-MA) Calculator](https://figiva.com/calculators/5ma-calc/): Compute 5-period simple moving averages (5-MA), trend momentum, and price divergence.
- [PUP General Weighted Average (GWA) Calculator](https://figiva.com/calculators/pup-gwa/): Compute official Polytechnic University of the Philippines GWA grades, Latin honors, and credits.
- [GCE A-Level Tariff & UAS Points Calculator](https://figiva.com/calculators/gce-points/): Convert GCE A-Level letter grades to UK UCAS admission points and Singapore UAS ranks.
- [Ratio Simplifier & Proportions Calculator](https://figiva.com/calculators/ratio-simplifier/): Reduce mathematical ratios to lowest terms, decimal values, and equivalent percentage proportions.
- [FMCG Distributor ROI & Working Capital Turn Calculator](https://figiva.com/calculators/fmcg-distributor-roi/): Calculate FMCG distributor net profit, annualized return on investment (ROI), and working capital rotation.
- [Cash Discount vs Scheme Margin Equivalent Calculator](https://figiva.com/calculators/fmcg-cash-discount/): Evaluate trade cash discounts (CD) versus bank borrowing cost to determine the effective annualized yield of early payment.
- [Super Stockist & Wholesaler Landing Cost Calculator](https://figiva.com/calculators/fmcg-stockist-landing/): Calculate net landing cost per case/unit for FMCG wholesalers and super stockists factoring in trade discounts, GST, and freight.
- [Trade Scheme Break-Even Sales Volume Uplift Calculator](https://figiva.com/calculators/fmcg-scheme-breakeven/): Determine the exact percentage volume uplift required to maintain gross profit when offering promotional price cuts or consumer schemes.
- [Retail Markup vs Margin Percentage Calculator](https://figiva.com/calculators/retail-markup-margin/): Convert seamlessly between profit markup on cost and gross profit margin on selling price with dollar profit calculations.
- [Margin of Safety & Break-Even Sales Revenue Calculator](https://figiva.com/calculators/business-margin-of-safety/): Calculate your business break-even revenue and margin of safety buffer in dollars and percentage before incurring operating losses.
- [Commercial Lease Rent-to-Sales (Occupancy Cost) Calculator](https://figiva.com/calculators/commercial-lease-rent-ratio/): Assess retail store and restaurant commercial lease affordability using the industry standard occupancy rent-to-gross sales ratio.
- [SaaS CAC Payback Period & Customer LTV Calculator](https://figiva.com/calculators/saas-cac-payback-months/): Determine customer acquisition cost (CAC) payback period in months and lifetime value (LTV:CAC) ratio for software businesses.
- [Residential & Commercial Heat Load (Manual J) Tonnage Calculator](https://figiva.com/calculators/hvac-heat-load-tonnage/): Estimate residential cooling and heating heat loss/gain in BTU/hr and required HVAC air conditioning tonnage.
- [Sensible Heat Ratio (SHR) & Enthalpy Airflow Calculator](https://figiva.com/calculators/hvac-sensible-heat-factor/): Calculate Sensible Heat Ratio (SHR) from sensible and latent heat loads to design coils and dehumidification performance.
- [Total External Static Pressure (TESP) & Blower Fan Drop Calculator](https://figiva.com/calculators/hvac-static-pressure-drop/): Measure air handler blower performance by calculating Total External Static Pressure (TESP) across return and supply plenums.
- [Electric Heat Strip kW to BTU/hr & Amp Draw Calculator](https://figiva.com/calculators/hvac-heat-strip-kw-btu/): Convert electric heat strip kilowatt (kW) ratings into thermal heating BTU/hr output and electrical breaker ampacity.
- [SEER2 vs SEER Energy Efficiency Cost Savings Calculator](https://figiva.com/calculators/hvac-seer2-savings/): Calculate annual electricity utility bill savings and 10-year lifetime ROI when upgrading to higher efficiency SEER2 heat pumps and air conditioners.
- [Chilled Water Flow Rate GPM & Hydronic Tonnage Calculator](https://figiva.com/calculators/hvac-chilled-water-gpm/): Calculate required hydronic flow rate in Gallons Per Minute (GPM) for commercial chilled water loops and cooling towers.
- [Refrigerant Line Set Copper Tubing Diameter & Velocity Calculator](https://figiva.com/calculators/hvac-line-set-sizing/): Size suction and liquid line copper tubing diameters for R-410A and R-32 systems based on equivalent length and capacity.
- [Cross Margin Portfolio Liquidation & Collateral Ratio Calculator](https://figiva.com/calculators/crypto-cross-margin/): Calculate account-wide cross-margin health level, liquidation distance, and maximum portfolio drawdown before margin call.
- [Uniswap & AMM DEX Impermanent Loss & Net Yield Calculator](https://figiva.com/calculators/crypto-impermanent-loss/): Calculate automated market maker (AMM) impermanent loss against simple HODL and determine net liquidity provider profitability.
- [Crypto Dollar Cost Averaging (DCA) Target Exit & ROI Calculator](https://figiva.com/calculators/crypto-dca-exit/): Model dollar cost averaging accumulation schedules, average cost basis, and profit multiples at future target exit prices.
- [Perpetual Futures Funding Rate Arbitrage Annualized APR](https://figiva.com/calculators/crypto-funding-rate-arbitrage/): Calculate delta-neutral cash-and-carry funding rate arbitrage yields between perpetual futures contracts and spot holdings.
- [Staking Yield Inflation-Adjusted Net Real APY Calculator](https://figiva.com/calculators/crypto-real-staking-apy/): Determine true purchasing power growth from Proof-of-Stake validator staking by deducting token network inflation and commissions.
- [Ethereum & L2 Gas Fee Breakeven Profitability Calculator](https://figiva.com/calculators/crypto-gas-breakeven/): Calculate total gas cost in USD and minimum trade profit required before network transaction fees consume profits.
- [Leverage Trading Position Sizing & Risk/Reward Ratio Calculator](https://figiva.com/calculators/crypto-risk-reward-ratio/): Calculate optimal position sizing and risk-to-reward ratio based on strict account portfolio risk percentage.
- [Overtime Premium & True Payroll Burden Cost Calculator](https://figiva.com/calculators/labor-overtime-burden/): Calculate true overtime labor costs including mandatory 1.5x time-and-a-half premiums, FICA, FUTA, and workers comp burden.
- [Employee Fully Burdened Hourly Labor Rate & Billing Multiplier](https://figiva.com/calculators/employee-burdened-rate/): Determine true hourly cost of an employee factoring in health benefits, retirement matches, paid time off, and facility overhead.
- [Freelancer Minimum Day Rate & Billable Overhead Multiplier](https://figiva.com/calculators/freelance-day-rate-multiplier/): Calculate your minimum sustainable freelance day rate and hourly billable fees to achieve personal take-home income goals.
- [BMR (Mifflin-St Jeor) & Total Daily Energy Expenditure (TDEE)](https://figiva.com/calculators/health-bmr-tdee-energy/): Calculate Basal Metabolic Rate (BMR) and Total Daily Energy Expenditure (TDEE) to identify exact caloric maintenance and fat loss targets.
- [Waist-to-Height Ratio (WHtR) Cardiometabolic Risk Calculator](https://figiva.com/calculators/health-whtr-mortality-risk/): Calculate Waist-to-Height Ratio (WHtR), proven superior to BMI in predicting visceral adiposity, hypertension, and cardiometabolic mortality.
- [1-Minute Heart Rate Recovery (HRR) & Cardiopulmonary Health](https://figiva.com/calculators/health-heart-rate-recovery/): Assess autonomic nervous system balance and cardiovascular mortality risk using 60-second post-exercise heart rate recovery (HRR).
- [Life Insurance Need (DIME Method: Debt, Income, Mortgage, Education)](https://figiva.com/calculators/insurance-dime-coverage/): Calculate exact term life insurance death benefit needs using the certified financial planning DIME method.
- [Rule of 72 & Asset Doubling Time Calculator](https://figiva.com/calculators/finance-rule-of-72/): Calculate the exact number of years required for an investment to double in value at a fixed compound annual interest rate.
- [Compound Annual Growth Rate (CAGR) & Ending Value Calculator](https://figiva.com/calculators/finance-cagr-calculator/): Calculate Compound Annual Growth Rate (CAGR) and total percentage return across multi-year holding periods.
- [16:9 / 4:3 Aspect Ratio Scaler & Pixel Dimension Resizer](https://figiva.com/calculators/math-aspect-ratio-scaler/): Calculate proportional image and video canvas dimensions, aspect ratios, and total megapixel resolution without image distortion.
- [College Weighted GPA & Cumulative Grade Point Calculator](https://figiva.com/calculators/education-weighted-gpa/): Compute cumulative weighted (5.0 scale for AP/IB courses) and unweighted (4.0 scale) grade point averages for academic honors.

## API Endpoints
- [Live Calculation API](https://figiva.com/api/calculate/): Reactive calculation endpoint via POST/GET.
- [Calculator Registry API](https://figiva.com/api/calculators/): JSON registry of all registered calculators.