Calio

Turn SEC EDGAR 10-Ks into Excel financial models in 1 click

Fintech

Investing

Personal Finance

Hi Product Hunt community, I am excited to introduce CALIO. Like anyone who has ever built a financial model, pitched a stock, or researched an SEC filing, I was constantly frustrated by how broken the SEC EDGAR workflow is. Every time a 10-K or 10-Q drops, you have two bad options: 1. Manually copy-paste tables from SEC EDGAR into Excel, spending 2+ hours fixing broken formatting, un-merging misaligned cells, and re-typing formulas. 2. Pay $30 to $50+ every month for legacy subscription platforms whose student trials expire or whose export data is locked behind static values. We built CALIO as a next-generation, on-device financial research terminal that turns raw SEC EDGAR filings into dynamic, institutional Excel workbooks (.xlsx) with pre-linked formulas in one click. Here is what CALIO brings to your research workflow: 1. 1-Click SEC 10-K & 10-Q Extraction to Excel (.xlsx) Export multi-year audited financial statements (Income Statement, Balance Sheet, Cash Flow) directly from SEC EDGAR XBRL. Crucially, the workbook uses live, dynamic Excel formulas (not hardcoded static text) with zero macros and zero security warnings. 2. Interactive 5-Year DCF Valuation Terminal A built-in on-device Discounted Cash Flow model with interactive WACC and perpetual growth sliders. It generates a live WACC vs. Terminal Growth Sensitivity Grid so you can immediately see what expectations are priced into a stock. 3. Note 16 Segment & Specialized Market Disaggregation Automates the extraction of US-GAAP ASC 280 operating segment footnotes. See granular business unit revenues, segment operating margins, and geographic exposure (e.g. Data Center Compute vs. Networking for NVDA, or iPhone vs. Services for AAPL). 4. Automated Forensic Accounting & Earnings Quality Suite Computes institutional solvency and forensic indicators directly from the filing: • Altman Z-Score: Quantifies probability of financial distress. • Beneish M-Score: Flags potential financial statement manipulation. • Working Capital Forensics: Tracks Cash Conversion Cycle, Days Sales Outstanding (DSO), and Days Inventory Outstanding (DIO). 5. 25-Sector Cross-Company Peer Matrices Compare companies side-by-side on GAAP gross margins, operating leverage, net margins, and FCF conversion rates directly from audited SEC data. 6. 100% On-Device & Privacy-Preserving All parsing, XBRL processing, and OpenXML Excel generation execute locally in your browser. There is zero cloud storage of your ticker queries, zero tracking, and zero data logging. You can try the web terminal immediately without creating an account or entering a credit card: https://calio-pink.vercel.app/ We also have a companion Chrome extension that adds a sleek floating edge dock when you browse SEC EDGAR or Yahoo Finance. I would love to hear your honest thoughts, feedback on formula linking, and any features you would like us to build next. Thank you for checking out CALIO!