Arham Bilal
Lead Software Engineer & Financial Logic Architect at TreatFlow
Arham Bilal is a full-stack engineer and digital systems architect specializing in financial utility algorithms, client-side performance, and web optimization. With extensive experience building digital software infrastructure and advising independent contractors on project economics, Arham oversees the mathematical validation and statutory compliance of all TreatFlow calculation models.
His work focuses on eliminating pricing guesswork for freelancers, modernizing commercial invoice enforcement, and making complex accounting formulas (like CVP break-even curves and Schedule C self-employment taxes) universally accessible without proprietary paywalls.
Published Financial In-Depth Guides & Research
View All GuidesStartup Equity Dilution Guide: How SAFEs, Option Pools & Priced Rounds Impact Founder Ownership
Comprehensive guide to startup equity dilution: How YC post-money SAFEs convert, why the option pool shuffle dilutes founders, and mathematical models to calculate your retained ownership.
1099 vs W-2 Contractor Tax Guide: Pay Equivalency, Self-Employment Tax & Take-Home Math
Detailed 1099 contractor vs W-2 employee financial comparison: Self-employment tax (15.3%), employer benefit burdens, expense write-offs, and rate conversion formulas.
Stripe vs. PayPal Merchant Fees (2026): Processing Rates, Invoice Gross-Up & Hidden Costs
Direct comparison of Stripe (2.9% + $0.30) vs PayPal (3.49% + $0.49) merchant processing fees in 2026. How to calculate reverse invoice gross-up to make clients pay processing fees.
CPM, CPC & CPA Advertising Formulas: The Complete Media Buying Math Guide
Definitive media buying formulas guide: Calculate Cost Per Mille (CPM), Cost Per Click (CPC), and Cost Per Acquisition (CPA) with interactive cross-metric solvers.
Small Business Loan & DSCR Underwriting Guide: Bank Debt Service Formulas & SBA Requirements
Bank underwriting guide for small business loans: Debt Service Coverage Ratio (DSCR), SBA 7(a) requirements, amortized monthly payments, and max borrowing capacity.
Calculators Engineered & Audited by Arham
Salary to Hourly Calculator
Annual gross conversion into true productive hourly rates with billable utilization factors.
Business Loan Amortization Calculator
Commercial term debt service, APR schedules, and total capital interest outlay.
Compound Interest & Wealth Engine
Annualized compounding yield forecasting with continuous capital addition models.
Personal Loan & Debt Consolidation Calculator
Fixed-installment APR repayment schedules and accelerated principal paydown.
Take-Home Paycheck & Net Salary Calculator
Federal, FICA, and state statutory payroll tax withholding deductions.
Freelance Hourly & Retainer Calculator
Utilization modeling and take-home rate derivation.
Profit Margin & Markup Engine
Standard GAAP gross, markup, and net margin conversions.
Invoice Late-Fee & Interest Calculator
Commercial debt recovery statutory interest algorithms.
Break-Even & Revenue Target Calculator
Cost-Volume-Profit (CVP) operational solvency models.
Contractor Tax & Net Income Estimator
IRS Schedule C and 15.3% SE FICA calculation engine.
Certificate of Deposit (CD) Calculator
Compound maturity yields and early withdrawal penalty amortization.
Historical & Forward Inflation Calculator
Purchasing power erosion modeling via BLS CPI-U index tables.
SaaS LTV & Churn Economics Calculator
Customer lifetime value and gross margin-adjusted retention modeling.
CAC Payback & Customer Acquisition Engine
Cash conversion cycles and gross margin payback velocity.
W-2 Employee vs 1099 Contractor Evaluator
Total compensation parity, FICA burden, and benefits loading factor.
Emergency Fund & Cash Runway Calculator
Liquid reserve safety tiers and cash drain survivability.
Value-Based Project Pricing Engine
Economic value created (EVC) and client ROI capture ratios.
Discount & Bundle Pricing Evaluator
Price elasticity and required volume lift calculations.
Sales Tax & VAT Harmonization Engine
Gross-up extraction, reverse tax calculations, and cross-border invoicing.
Burn Rate & Zero Cash Date Calculator
Net cash burn velocity, gross outlay trends, and insolvency timelines.
Agency Overhead Multiplier & Pricing Model
Direct labor loading, facility overhead multipliers, and billable realization.
SaaS Magic Number & Sales Efficiency Engine
Quarterly ARR expansion efficiency and go-to-market payback scoring.
Consulting Fee ROI & Justification Engine
Advisory fee payback velocity and client risk-adjusted return proof.
Loan Amortization & Principal Payoff Calculator
Annual principal vs interest amortization schedules and accelerated paydown.
Credit Card Payoff & Interest Calculator
Minimum payment trap analysis, fixed payoff acceleration, and interest savings.
HELOC Payment & Borrowing Power Calculator
80% to 90% CLTV borrowing limits, interest-only draw payments, and repayment reset.
Net to Gross Paycheck Calculator
Reverse calculation of gross compensation from target net take-home salary.
Bonus Tax & Supplemental Wage Calculator
IRS 22% flat supplemental wage withholding vs aggregate paycheck method.
Self-Employment Tax Calculator (Schedule SE)
Schedule SE 15.3% FICA breakdown, 92.35% taxable profit basis, and 1040-ES vouchers.
401(k) Retirement & Wealth Calculator
Compounding growth, employer match formulas, and 4% rule safe retirement income.
Simple Interest Calculator (I = Prt)
Mathematical I = Prt formula solver, daily accruals, and compounding comparison.
Rule of 72 Doubling Calculator
Investment doubling horizons, logarithmic precision, and inflation purchasing power decay.
CTR Calculator (Click-Through Rate)
Click-through rate performance analysis, industry benchmarks, and traffic uplift modeling.
CPC Calculator (Cost Per Click & Max Bid)
Cost per click, CPM-to-CPC conversions, and break-even max profitable bids from CPA.
Cost of Goods Sold (COGS) Calculator
Periodic inventory COGS, direct manufacturing costs, gross margins, and inventory turnover.
Stripe Fee & Net Payment Calculator
2.9% + $0.30 domestic processing, ACH direct debit caps, international card spreads, and invoice gross-up math.
PayPal Fee & Gross-Up Calculator
PayPal Checkout 3.49% + $0.49, QR codes, Zettle POS, cross-border fx margins, and client invoice surcharge modeling.
Prorated Rent Calculator (Exact Days & 30-Day)
Mid-month move-in/move-out proration models across exact calendar days, banker 30-day, and 365-day annual rules.
Prorated Salary & Partial Paycheck Calculator
FLSA-compliant salary proration for partial pay periods across bi-weekly, semi-monthly, and monthly payrolls.
SAFE Note & Pre-Seed Dilution Calculator
YC Post-Money SAFE conversion pricing, Pre-Money caps, 20% discount rules, and Series A share issuance models.
Cap Table & Equity Dilution Calculator
Multi-stakeholder cap table modeler with option pool shuffle timing (pre-money vs post-money) and priced rounds.
Business Valuation Calculator (SDE & EBITDA Multiples)
Fair market enterprise valuation using Seller’s Discretionary Earnings (SDE), EBITDA, and industry revenue multiples.
Startup Runway & Net Burn Modeler
Dynamic compound runway simulation, Default Alive vs Dead status, and required revenue growth rate binary search.