# Xearno Tools (remote · xearno.tools) Money, tax & business calculators kept current with 2026 rules — plus operator insights. - Trust score: 63/100 (medium) - Change this week: +6 - Registry status: active - Liveness: live - Owner verified: no - Last scored: 2026-08-03 ## Components - remote · `xearno.tools`: 63/100 (this document), [markdown](https://verifymcp.io/servers/tools-xearno-calculators/xearno.md), [page](https://verifymcp.io/servers/tools-xearno-calculators/xearno) ## Channel facts - Endpoint: `https://xearno.tools/mcp` - Transports: `streamable-http` - Auth: `none` - Version: `1.5.0` ## Trust breakdown How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog) Scored 2026-08-03. - **Endpoint Security**: 57/100 - The endpoint's TLS certificate is valid, in date, and uses a strong key. - Authorisation not fully verified: no authorisation is required to call this server, and 66 tool(s) never declared a destructiveHint. The MCP spec treats an absent hint as destructive by default, so we cannot call this surface safe. - HTTPS is enforced; there's no plaintext access path. - HSTS check failed: the Strict-Transport-Security header is absent. - DNSSEC check failed: this domain isn't protected by DNSSEC. - **Transport & Reachability**: 100/100 - Verified streamable-http transport via a live MCP handshake. - **Schema Quality & AI Usability**: 57/100 - AI-judged instruction clarity (excellent). - Context-footprint check failed: tool/resource definitions use about 22626 tokens (~342/item across 66 items; 66 tools + 0 resources), over budget; trim descriptions and params. - Usage-examples check failed: none of the tools include examples. - **Stability & Change Management**: 27/100 - Stability observed for 8 of 30 days with no destabilising changes; credit accrues until the full window elapses. - **Tool Coverage**: 100/100 - 100% of tools have a non-trivial description (not blank, and not just the tool's name). - 100% of tool parameters carry a description. - **Capabilities**: 100/100 - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28. ## Install ### Claude ```bash claude mcp add --transport http tools-xearno-calculators https://xearno.tools/mcp ``` ### Codex ```toml [mcp_servers.tools-xearno-calculators] url = "https://xearno.tools/mcp" ``` ### opencode ```json { "$schema": "https://opencode.ai/config.json", "mcp": { "tools-xearno-calculators": { "type": "remote", "url": "https://xearno.tools/mcp", "enabled": true } } } ``` ### OpenClaw ```bash openclaw mcp add tools-xearno-calculators --url https://xearno.tools/mcp --transport streamable-http ``` ### Hermes ```yaml mcp_servers: tools-xearno-calculators: url: "https://xearno.tools/mcp" ``` ### Other ```json { "mcpServers": { "tools-xearno-calculators": { "type": "http", "url": "https://xearno.tools/mcp" } } } ``` The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs. ## Changelog Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims. ### 2026-08-02 (score 63, +1) No change was recorded against any check on this day. Stability & Change Management went from 20 to 23. That category is still filling its 30-day observation window: 6 days of observed history at the previous scan, 7 at this one. The score rises as the window fills, whether or not the server changes. ### 2026-07-31 (score 62, +1) - [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server ### 2026-07-30 (score 61, +3) - [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server ### 2026-07-29 (score 58, 0) - [security] The server rewrote its instructions, which are the text every model session reads ### 2026-07-28 (score 58, +1) - [functional] Server version: 1.1.0 → 1.5.0 ### 2026-07-27 (score 57, 0) - [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server ### 2026-07-26 (score 57) First indexed and scored. ## MCP tools (66) ### `income_tax` (~142 tokens) Income Tax Calculator (24 countries) Personal income tax for 24 countries/jurisdictions using current official progressive brackets: tax owed, effective rate, marginal rate, take-home pay. Countries: usa, uk, china, japan, germany, france, canada, australia, india, singapore, hong-kong, taiwan, south-korea, vietnam, thailand, indonesia, malaysia, spain, italy, netherlands, portugal, brazil, mexico, argentina. Input parameters: - `annualIncome` (number, required): Annual gross income in the country's local currency - `country` (string, required): Country key - `deduction` (number): Deductions (optional; defaults to the country's standard deduction/allowance) ### `us_aca_subsidy_cliff` (~490 tokens) ACA Subsidy Cliff Checker (2026) Where your 2026 marketplace subsidy sits against the restored 400%-of-poverty cliff — and the clawback risk if income crosses it. For 2026 the enhanced ACA premium tax credits have expired, and the pre-2021 structure is back: below 400% of the federal poverty line your premium is capped at a sliding share of income; one dollar above 400% and the subsidy drops to zero. This tool places your household on that curve — your FPL percentage, your expected contribution, your estimated monthly subsidy, and exactly where the cliff falls in dollars. It also flags the 2026 change most people miss: the cap on repaying advance credits was repealed, so if your year-end income lands over 400% you repay every advance dollar with no limit. The decisive input is your FULL-YEAR 2026 MAGI, reconciled at filing — not the estimate you gave at enrollment. Input parameters: - `benchmark` (number): Benchmark Silver premium (monthly, for your household) The second-lowest-cost Silver plan (SLCSP) for your household — the plan the subsidy is pegged to. Find yours on healthcare.gov’s plan preview o… - `expansion` (string): Did your state expand Medicaid? Decides the bottom end. In expansion states, adults under 138% of poverty get Medicaid instead of a marketplace subsidy. In the 10 non-expansion states, adults below 1… - `household` (number): People in your tax household You, your spouse if filing jointly, and everyone you claim as a dependent — this sets the poverty line the percentage is measured against. - `income` (number): Expected 2026 household income (MAGI) Your best estimate of full-year 2026 household modified AGI — the number the credit is reconciled against at filing, not just what you report at enrollment. A bo… - `state` (string): Which state Alaska and Hawaii have higher federal poverty guidelines, which shifts every threshold up. ### `us_student_loan_rap_vs_ibr` (~593 tokens) Student Loan: RAP vs IBR (2026 forced choice) Your monthly payment and forgiveness timeline under RAP vs IBR — the choice SAVE borrowers are being forced to make. SAVE is dead (vacated, then repealed by the July 2025 law) and the Repayment Assistance Plan (RAP) went live 1 July 2026; PAYE, ICR, and SAVE all end 1 July 2028, when anyone who hasn’t picked is auto-enrolled in RAP. This tool computes your monthly payment under RAP (a %-of-AGI cliff schedule) and IBR (15% or 10% of discretionary income depending on when your first loan was disbursed), the forgiveness horizon for each (30 vs 25/20 years — and 10 tax-free years on PSLF), and the traps: RAP’s payment cliffs at every $10k of AGI, Parent PLUS exclusion, and the new default Tiered Standard plan not counting toward PSLF. General AI still recommends the dead SAVE plan and calls IDR forgiveness tax-free — the ARPA tax exclusion expired 31 Dec 2025. Input parameters: - `agi` (number): Adjusted gross income (AGI) From your latest federal return. Married filing jointly: combined AGI of both spouses. Married filing separately: yours only. - `balance` (number): Total loan balance Outstanding principal. Sets the standard-plan comparator, the IBR payment cap, and the interest math. - `dependents` (number): Dependents claimed on your return RAP subtracts $50/month per dependent (IRC §152 dependents claimed on your federal return). Not the same thing as family size. - `familySize` (number): Family size You + spouse + dependents — sets the poverty-guideline deduction in IBR. - `firstLoan` (string): When was your FIRST federal loan disbursed? The decisive input. Your first-ever federal disbursement date sets WHICH IBR you get (15%/25yr vs 10%/20yr) — and loans originated from 1 Jul 2026 can’t us… - `loanType` (string): Loan type Parent PLUS loans are excluded from RAP entirely, and reach IBR only through a consolidation carve-out — the answer changes completely. - `pslf` (string): Public Service Loan Forgiveness track? PSLF flips the strategy: forgiveness arrives at 120 qualifying payments and is federally TAX-FREE, so the lowest qualifying payment wins. Both RAP and IBR quali… - `rate` (number): Average interest rate (%) Weighted average across your loans. - `state` (string): Where do you live? Alaska and Hawaii have higher poverty guidelines, which lowers IBR payments. ### `uk_statutory_redundancy_pay` (~443 tokens) UK Statutory Redundancy Pay Calculator Your statutory redundancy pay under ERA 1996 — the age-banded week multiplier, the £751 weekly cap, and the £22,530 maximum, all on current limits. Computes UK statutory redundancy pay: up to 20 complete years of service, counted backward from the dismissal date, each worth 1.5 / 1.0 / 0.5 weeks’ pay by your age during that year, with weekly pay capped (£751 in Great Britain from 6 April 2026) and a maximum total of £22,530. The cap re-uprates every April (£700 → £719 → £751), so general AI routinely quotes a stale cap — and the backward age-band walk (boundary years fall to the lower band, only the most recent 20 years count) is exactly the table lookup it gets subtly wrong. Northern Ireland’s separate, higher limits are included. Input parameters: - `age` (number): Your age at the dismissal (relevant) date The multiplier depends on your age DURING each backward-counted year of service, not just today’s age — this is the table walk general AI botches. Use your a… - `dismissalDate` (string): When does (did) your employment end? Picks the statutory limits: £751 weekly / £22,530 max from 6 April 2026, £719 / £21,570 before. The limits re-uprate every April. - `nation` (string): Where do you work? Northern Ireland sets its own limits — currently HIGHER than Great Britain’s: £783 weekly, £23,490 maximum. - `serviceYears` (number): Complete years of continuous service Only FULL years count — 9 years 11 months is 9. Under 2 years there is no statutory entitlement; over 20 only the most recent 20 count. - `weeklyPay` (number): Gross weekly pay (£) Before tax. If your pay varies, use the average over the 12 weeks before your notice day. Capped at £751 — high earners all get the same statutory figure. ### `netherlands_30_percent_ruling` (~574 tokens) Netherlands 30% Ruling Checker & Calculator Are you eligible for the Dutch 30% ruling, and how much salary is tax-free — on the real three-cohort transition to 27%, not a stale headline. Checks the published conditions of the Dutch 30%-ruling (expat facility) and computes your maximum tax-free allowance. The rules changed three times in three years — the cap in 2024, a taper announced then scrapped, and 27% with higher salary norms from 2027 — and the transition is a THREE-cohort table general AI compresses to "it’s 30%" or "it’s being cut", both wrong for most cohorts: rulings first granted in 2023 or earlier keep 30% and the old norm for their full term; 2024 starters drop to 27% in 2027 but keep the old norm; 2025-and-later starters get 27% AND the higher norm. This tool asks the inputs that actually decide the answer — when you first got the ruling, the 150km residence history, and prior months in the Netherlands. Input parameters: - `cohort` (string): When was (will) your 30% ruling first granted? The decisive input. The 2027 transition is THREE cohorts, not two: 2023-and-earlier keep 30% AND the old salary norm for their full term; 2024 starters… - `distanceOk` (string): Lived >150km from the Dutch border before starting? A hard eligibility gate: you must have lived more than 150km from the Dutch border for more than 16 of the 24 months before your Dutch employment b… - `priorNlMonths` (number): Months lived or worked in NL in the past 25 years (mo) Earlier stays in the Netherlands within the last 25 years are deducted from the 60-month maximum duration. - `salary` (number): Annual gross salary (total compensation) (€) Your total agreed gross pay, before the tax-free allowance is carved out of it. The salary norm tests what remains TAXABLE after the allowance — the tool… - `under30Masters` (string): Under 30 with a (Dutch-equivalent) master’s degree? A lower salary norm applies (€36,497 vs €48,013 in 2026) — but only until the month you turn 30. - `year` (string): Computation year The rate (30% → 27%) and the salary norms change at the 2026/2027 boundary — differently per cohort. ### `portugal_ifici_nhr_checker` (~542 tokens) Portugal IFICI ("NHR 2.0") Eligibility Checker Whether you qualify for Portugal’s IFICI — the activity-gated successor to the NHR regime that closed in 2024. Checks your eligibility for Portugal’s IFICI (Incentivo Fiscal à Investigação Científica e Inovação, widely called "NHR 2.0"): 20% flat tax on eligible-activity Portuguese income for 10 years, with most foreign income exempt. The old NHR closed to new entrants on 1 Jan 2024, yet general AI still tells people to "apply for NHR" and quotes its 10% foreign-pension rate — gone: IFICI taxes foreign pensions at full progressive rates. The real gate is an activity test across six routes with route-specific certifying entities (FCT, AT, ANI, Startup Portugal, AICEP) — this tool walks the gates in order and names the route, the certifier, and the registration deadline. Input parameters: - `activity` (string): Which eligible activity fits you? THE gate. IFICI is not a general expat regime — your work must fit one of these routes, each certified by a different entity. Annex-I professions include directors,… - `foreignPension` (string): Will you draw a foreign pension? e.g. a company or state pension from your home country. The single biggest NHR-vs-IFICI difference: the old NHR taxed these at 10%; IFICI taxes them at full progressi… - `formerRegime` (string): Did you ever benefit from the old NHR or the Programa Regressar? Either one bars you from IFICI. If your old NHR 10-year term is still running you keep it under the old rules — you just cannot switch… - `priorPtResident` (string): Were you a Portuguese tax resident in ANY of the 5 years before arrival? A hard gate: IFICI is only for people becoming PT tax resident who were NOT resident in any of the previous 5 years. "Yes" end… - `ptIncome` (number): Expected annual PT income from the eligible activity (€) Employment or self-employment income from the eligible activity, per year — the income the 20% flat rate would apply to. - `qualification` (string): Your qualification (Annex-I profession route only) Only matters for the Annex-I highly-qualified-profession route; ignored for every other route. That route requires a PhD, or a Bachelor-level degree… ### `thailand_social_security` (~379 tokens) Thailand Social Security Contribution (2026 ceiling unfreeze) Your monthly SSO contribution under the 2026 ceiling rise — the ฿15,000 cap stood for 30 years, so the old ฿750 answer is everywhere and wrong. Computes your Thai Social Security Office (SSO) contribution for Section 33 (employees), Section 39 (voluntary ex-employees), or Section 40 (informal workers). The Section 33 wage ceiling was frozen at ฿15,000/month from 1995 until the Royal Gazette announcement of 12 Dec 2025 raised it to ฿17,500 from 1 Jan 2026 — so the maximum employee contribution jumps from ฿750 to ฿875, with further phases to ฿20,000 (2029) and ฿23,000 (2032). Thirty years of the old number mean general AI and much of the Thai web still answer ฿750; this tool uses the phased schedule, and knows §39 stays on its frozen ฿4,800 base. Input parameters: - `monthlyWage` (number): Monthly wage (฿) Gross monthly wage — used for Section 33 only. Contributions apply between the ฿1,650 floor and the year’s ceiling. - `s40option` (string): Section 40 option Only used for Section 40. Higher options buy more benefit branches. - `section` (string): Which SSO section are you under? The section decides everything: §33 is percentage-of-wage with a ceiling, §39 is a flat ฿432, §40 is a chosen flat option. - `year` (string): Contribution year The ceiling rises in three phases: ฿17,500 (2026), ฿20,000 (2029), ฿23,000 (2032). Pick 2025 to see the old frozen ceiling. ### `uk_statutory_residence_test` (~935 tokens) UK Statutory Residence Test Decider Whether you are UK tax resident this year — the full statutory test, not the 183-day myth. Runs the full UK Statutory Residence Test (FA 2013 Sch 45): automatic overseas tests, automatic UK tests, then the sufficient-ties tables. The 183-day figure everyone (and general AI) anchors on is only the ceiling — a leaver with 3 UK ties is resident at just 46 days, and at 121 days a single tie is enough. The input that decides which table applies — were you UK-resident in any of the 3 prior tax years — is the one users never volunteer, so this tool leads with it. Includes the deeming rule for non-midnight days, which AI answers routinely miss. Input parameters: - `automaticOverseasWork` (string): Did you work full-time overseas this year? The statutory test in brief: averaged ≥35 hours/week of overseas work over the year (HMRC applies a precise 5-step hours calculation), no significant break… - `automaticUkHome` (string): Do you meet the UK home test? Yes if you had a UK home you were present in on ≥30 days this year, and there was a window of 91 consecutive days (at least 30 of them falling in this tax year) during w… - `automaticUkWork` (string): Did you work full-time in the UK? Yes if over a 365-day period (falling at least partly in this year) more than 75% of your 3-hour-plus workdays were UK workdays, with at least one such UK workday in… - `days` (number): Days present in the UK at midnight this tax year Count days you were in the UK at the end of the day (midnight). Enter the count with exceptional-circumstances days (capped at 60) already removed, an… - `priorResidence` (string): Were you UK tax resident in any of the 3 prior tax years? The decisive input, and the one everyone omits when they ask "am I resident?". It decides WHICH ties table applies to you and whether two ext… - `qualifyingDays` (number): Days present but NOT at midnight (optional) Days you were in the UK at some point but had left before midnight, so they are not in the count above. Only matters for leavers with 3+ ties — the deeming… - `tie90Day` (string): 90-day tie You spent more than 90 days in the UK in either (or both) of the 2 previous tax years. - `tieAccommodation` (string): Accommodation tie A place to live in the UK available to you for a continuous period of 91+ days, in which you spent at least 1 night this year. If it is the home of a close relative, it only counts… - `tieCountry` (string): Country tie (leavers only) The UK is the country where you spent the most midnights this year — a tie for first place that includes the UK counts as met. IGNORED for arrivers: if you answered "No" to… - `tieFamily` (string): Family tie A UK-resident spouse/civil partner (or partner you live with) or minor child. A child you saw in the UK on fewer than 61 days is disregarded; a child who is UK-resident only because of ful… - `tieWork` (string): Work tie 40 or more days this year (in any pattern) on which you did more than 3 hours of work in the UK. ### `us_substantial_presence_test` (~627 tokens) US Substantial Presence Test — the real 183-day rule Whether your US days make you a tax resident — the weighted 3-year formula where 122 days a year is enough, and student-visa days may not count at all. Determines US tax residency under the Substantial Presence Test (IRC §7701(b)): 31+ days this year AND a weighted total ≥ 183, counting this year’s days in full, last year’s at one-third, and the year before at one-sixth. The popular "stay under 183 days" rule is wrong — a steady 122 days every year triggers residency. The inputs that actually decide the answer are the ones people don’t know matter: visa status (F/J/M/Q student and J/Q teacher days can be excluded entirely — or suddenly start counting), prior-year day counts, and whether the closer connection exception (Form 8840) is still open — it closes at 183 actual days, and a pending green-card application bars it. Input parameters: - `closerConnection` (string): Foreign tax home with a closer connection? If the test is met but you spent under 183 actual days, the closer connection exception can still keep you a nonresident: a tax home in a foreign country fo… - `daysCurrent` (number): Days in the US this calendar year Any part of a day counts as a full day — an evening arrival is a day. But first REMOVE days that never count: regular-commuter days from Canada/Mexico, under-24h tra… - `daysPrior1` (number): Days in the US in the 1st preceding year Last calendar year’s day count, same counting rules. It is weighted at one-third — prior years are why "under 183 this year" is not safe. - `daysPrior2` (number): Days in the US in the 2nd preceding year The calendar year before that, weighted at one-sixth. - `exemptYears` (number): Exempt calendar years Only used for student/teacher status; two meanings. Student (F/J/M/Q): the calendar years you have EVER spent as an exempt student, teacher, or trainee — cumulative over your li… - `status` (string): US immigration status this year The decisive input, and the one almost nobody knows matters. A green card makes you a resident regardless of days. F/J/M/Q student and J/Q teacher visas can make your… ### `ny_statutory_residence_checker` (~516 tokens) New York Statutory Residence Checker (183-Day + Abode Test) Whether New York can tax you as a resident under the two-prong statutory test — the abode gate people miss, plus the 183-day count where any part of a day counts. For taxpayers NOT domiciled in New York: applies the deterministic statutory-residence test of NY Tax Law §605(b)(1)(B) — a permanent place of abode maintained for substantially all of the year AND more than 183 days of presence — plus the separate New York City test. General AI compresses this to "183 days = resident" and misses both gates: without a permanent place of abode, 300 days in NY doesn't make you a statutory resident, and with one, day 184 does — where a 20-minute stop in the state counts as a full day. Domicile (whether New York is your true home) is a separate facts-and-circumstances battle this tool does not decide. Input parameters: - `abode` (string): Do you maintain a dwelling in New York? The trap: people count days but don't know that a NYC crash pad, a company apartment principally available to you, or even a sublet counts as a "permanent plac… - `abodeInNYC` (string): Is the dwelling in New York City? Drives the separate city test. NYC levies its own resident income tax on top of the state's. - `abodeMonths` (number): Months of the year the dwelling was maintained "Substantially all of the year" means MORE than 10 months (Audit Division policy for tax years 2022+; it was 11 before). This matters mainly in years yo… - `armedForces` (string): Active-duty US armed forces? Active-duty members of the US armed forces are statutorily excluded from the day-count prong. - `daysNY` (number): Days with any presence in New York State Any part of a day = a full day. Only two exceptions: pure travel-through (boarding a flight or train out, driving through) and inpatient medical confinement.… - `daysNYC` (number): Of those, days with any presence in the five boroughs For the separate New York City resident test. Leave 0 if NYC doesn't apply to you. ### `uk_stamp_duty_sdlt` (~390 tokens) UK Stamp Duty Calculator (SDLT) — England & Northern Ireland Stamp Duty Land Tax on a home in England or Northern Ireland — with first-time-buyer relief, the +5% additional-dwelling surcharge, and the +2% non-resident surcharge. Computes Stamp Duty Land Tax (SDLT) on a residential purchase in England or Northern Ireland using the current band table, first-time-buyer relief, the additional-dwelling surcharge, and the non-resident surcharge — all of which stack. The bands reverted on 1 April 2025 (nil-rate back to £125,000, first-time-buyer relief back to £300,000/£500,000) and the additional-dwelling surcharge rose from 3% to 5% on 31 October 2024, so general AI still quotes the old figures — often thousands of pounds off. Scotland and Wales charge different taxes (LBTT / LTT); this tool does not apply there. Input parameters: - `buyerType` (string): Which buyer are you? The decisive input — it selects the whole rate table. "First-time buyer" means ALL purchasers are first-time buyers: never owned (or part-owned) a dwelling ANYWHERE in the world,… - `nonResident` (string): Any buyer non-UK-resident? Non-resident for SDLT = present in the UK fewer than 183 days in the 12 months before completion. Adds 2% to every band. On a joint purchase, ANY non-resident buyer makes t… - `price` (number): Purchase price (£) The chargeable consideration — normally the agreed purchase price of the property. ### `singapore_property_stamp_duty` (~600 tokens) Singapore Property Stamp Duty (BSD + ABSD + SSD) Buyer’s, Additional Buyer’s, and Seller’s Stamp Duty at the current IRAS rates — including the 60% foreigner ABSD and the 2025 four-year SSD. Computes Singapore residential stamp duty at the rates actually in force: BSD on the marginal bands up to 6%, ABSD by your exact buyer profile and property count (foreigners pay a flat 60% since 27 Apr 2023 — double what most AI models still quote), and SSD by your acquisition-date cohort (purchases on/after 4 Jul 2025 are on a new 16/12/8/4 four-year schedule). The inputs that swing the answer are ones buyers rarely know matter: the citizenship tier (a US citizen gets Singapore Citizen treatment under the FTA; a US green-card holder does not), how many residential properties you already hold (any fractional interest counts in full), and for joint purchases, the co-buyer whose rate governs the entire price. Input parameters: - `acqMonth` (number): Acquisition month Selling-mode only. 1–12. - `acqYear` (number): Acquisition year Selling-mode only. The acquisition date is the day you accepted/exercised the Option to Purchase (or signed the Sale & Purchase Agreement) — not the grant of the option. It selects w… - `jointHighestRate` (string): Joint purchase — co-buyer with a higher ABSD profile In a joint purchase the buyer with the HIGHEST applicable ABSD rate sets the rate for the entire price — not just their share. The co-buyer’s rate… - `mode` (string): Buying or selling? - `price` (number): Price / market value (the higher of the two) (S$) Stamp duty is charged on the higher of the price and the market value — for buying and selling alike. - `profile` (string): Buyer profile The decisive input — it moves ABSD between 0% and 60% of the price. The FTA carve-out is exact: US CITIZENS qualify (green-card holders do NOT); for Iceland, Liechtenstein, Norway and S… - `propertiesOwned` (number): Residential properties already owned in Singapore Count before this purchase. Any fractional interest — even 1% on a parent’s flat — counts as one full property. Overseas property does not count. Buy… - `saleMonth` (number): Sale month Selling-mode only. 1–12. - `saleYear` (number): Sale year Selling-mode only. The year you (will) contract to sell. ### `us_raise_benefits_cliff` (~567 tokens) Is This Raise Actually a Raise? (2026 benefits cliff) What a raise really adds after EITC, CTC, SNAP, Medicaid, and ACA subsidies move against it — the effective marginal rate no single program shows. For working households on any support program, a raise triggers five simultaneous countercurrents: federal tax and FICA go up, EITC phases out (up to 21¢ per dollar), SNAP tapers (30¢ per net dollar), Medicaid ends abruptly at 138% of the poverty line, and — new for 2026 — the ACA subsidy cliff at 400% FPL is back after the enhanced credits expired 31 Dec 2025. Stacked, effective marginal rates in the $25k–$45k band routinely exceed 60–80%. This tool computes your household’s net resources before and after a raise using the verified 2026 parameter tables, and names each cliff the raise crosses. The decisive inputs are ones most people don’t know matter: whether your state expanded Medicaid, and whether it raised the SNAP gross-income limit. Input parameters: - `bbce` (string): SNAP gross-income limit in your state Most states raised the SNAP entry limit to 200% FPL via Broad-Based Categorical Eligibility — whether yours did decides where the SNAP door slams. Check your sta… - `expansion` (string): Did your state expand Medicaid? The decisive input. In expansion states adults keep Medicaid up to 138% of the poverty line — and lose it in one step above. In the 10 non-expansion states, adults bel… - `filing` (string): Filing status Married filing jointly assumes a 2-adult household; single and head-of-household assume 1 adult. - `income` (number): Current annual earned income (household) Gross W-2 wages for the household before tax. This model treats all income as earned. - `kids` (number): Qualifying children (under 17) Sets CTC ($2,200 each), the EITC schedule, and household size for SNAP/Medicaid. - `premium` (number): Marketplace benchmark premium (monthly, optional) The second-lowest-cost Silver plan for your household on healthcare.gov. Enter it to model ACA subsidies and the restored 400% FPL cliff; leave 0 to… - `raise` (number): The raise (annual amount) Annual value of the raise, extra hours, or second job you are weighing. - `rent` (number): Monthly rent / shelter cost Rent plus basic utilities — drives SNAP’s excess-shelter deduction, which changes the benefit materially. ### `china_severance` (~430 tokens) China Severance Pay Calculator 经济补偿金 (N / N+1 / 2N) Statutory severance under China’s Labour Contract Law — the N / N+1 / 2N branch and the 3×-average-wage cap, done right. Computes statutory economic compensation (经济补偿金) on leaving a job in China: the base N (one month per year of service, with the ≥6-month rounding), whether it becomes N+1 (pay in lieu of notice) or 2N (unlawful termination), and the two caps that switch on together for high earners — the base capped at 3× the local average wage and years capped at 12. The termination reason is the input that flips the answer, so it is the first question. Input parameters: - `city` (string): City Sets the local average wage whose 3× caps the severance base — a figure you would otherwise have to look up. Pick “Other” (or override below) if your city isn’t listed. - `localAvgWage` (number): Local average wage 社平工资 override (optional) Leave 0 to use your city’s figure above. The severance-cap caliber is legally negotiable in some cities (Hangzhou especially), so override if you have a sp… - `monthlyWage` (number): Average monthly wage 月均工资 (pre-tax, incl. bonuses) Average of your last 12 months’ gross pay — base salary + bonuses + allowances, before tax and before your own social-insurance/fund deductions (应得工… - `reason` (string): How is employment ending? The decisive input. Resignation with no employer fault pays nothing; unlawful termination doubles it. If unsure which Art. 40 case applies, note that the “+1” is only for a… - `serviceMonths` (number): …plus months The trailing part-year: ≥6 months counts as a full year, under 6 months as half a month’s pay. - `serviceYears` (number): Years of service ### `china_retirement_pension` (~645 tokens) China Retirement Age & Pension Estimator (2025 reform) Your exact retirement date under China’s 2025 delayed-retirement reform, plus an estimated monthly pension. Computes your statutory retirement age and date under China’s 2025 progressive delayed-retirement reform (渐进式延迟法定退休年龄) — which staggers the age by birth month, gender, and job track — then estimates your monthly pension (基础养老金 + 个人账户养老金). The reform is under two years old, so general AI still quotes the old 60/55/50 ages; this uses the official cohort tables. Input parameters: - `accountBalance` (number): Individual account balance 个人账户储存额 The accumulated balance in your personal pension account. In “project” mode this is today’s balance; it is grown to retirement. - `asOfYear` (number): Today’s figures are from (year) Only used in “project” mode — the year your current balance/base are from. Years-to-retirement is counted from here. - `avgWage` (number): Pension base override 社平工资 (optional) Leave 0 to use your city’s published base above. Enter a number only to override it (or for a city not listed). In “project” mode this is today’s base; it is gro… - `birthMonth` (number): Birth month The reform buckets by birth month, so this changes the answer. - `birthYear` (number): Birth year Gregorian year, e.g. 1980. - `bookingRate` (number): Account crediting rate 记账利率 (%) Project mode only. The government-published annual rate credited to your individual account (记账利率) — recent years ~6%. This is not a market investment return. - `city` (string): City / province Sets your province’s pension calculation base (养老金计发基数) — the number you would otherwise have to look up. Pick “Other” to enter your own below. - `contributionIndex` (number): Average contribution index 平均缴费指数 Your contribution base ÷ local average wage, averaged over your career. Capped 0.6–3.0. 1.0 = you always paid on exactly the average wage. - `contributionYears` (number): Contribution years 缴费年限 Total years contributed, including deemed years 视同缴费年限. In “project” mode this is years so far; the years until retirement are added. - `growthRate` (number): Annual salary / base growth (%) Project mode only. Assumed yearly growth of your salary and the local wage base — both future contributions and the indexed basic pension rise with it. - `mode` (string): Pension figures are… Choose “project” if you are still years from retiring: the account keeps growing at the 记账利率 and contributions keep landing, so today’s balance is not the retirement balance. - `track` (string): Which track are you on? The decisive input. For women it hinges on your file classification (管理/技术岗 vs 工人岗), not job title — and it is the single most disputed point, so choose carefully. ### `australia_hecs_help_repayment` (~429 tokens) Australia HECS-HELP Repayment & Indexation (2025-26 reform) Your compulsory HELP repayment under the new marginal system, what indexation adds each 1 June, and how the 20% cut and old rules compare. Computes your compulsory HECS-HELP repayment under Australia’s reformed 2025-26 system — a marginal calculation (nil to $67,000, then 15% and 17% slices, then a flat 10% of total income at the top) that replaced the old flat-percentage-of-entire-income scale. Three reforms landed within a year (the marginal flip, indexation recut to the lower of CPI/WPI backdated to 2023, and a one-off 20% balance cut in July 2025), so general AI still computes the old system on the old thresholds. The tool also names the input people get wrong: ATO “repayment income” is not your salary — reportable super contributions and net investment losses are added back. Input parameters: - `balance` (number): HELP debt balance today ($) Your current HELP balance (myGov → ATO → loan accounts). Used for the indexation and payoff-horizon estimates. The default is the national average debt. - `hadDebtJun2025` (string): Did you have a HELP balance on 1 June 2025? Balances as at 1 June 2025 received a one-off 20% cut (passed July 2025), applied automatically before that year’s indexation. - `incomeYear` (string): Income year Thresholds are indexed to average weekly earnings each year, so the year changes the answer. - `repaymentIncome` (number): ATO repayment income ($) NOT your salary. ATO “repayment income” = taxable income (excluding assessable FHSS released amounts) + reportable fringe benefits + total net investment loss (including net… ### `uk_capital_gains_tax` (~577 tokens) UK Capital Gains Tax Calculator (2025-26 & 2026-27) Capital Gains Tax on shares, crypto, property, or a business sale — current £3,000 allowance, the 18%/24% rate split driven by your income, and the BADR 14% → 18% ramp. Computes UK Capital Gains Tax on a disposal using the current rules: the £3,000 annual exempt amount, the 18%/24% rates that have applied to ALL assets since 30 October 2024, the income-stacking rule that decides how much of the gain falls at 18% vs 24%, and Business Asset Disposal Relief with its stepping rate (14% in 2025-26, 18% from 6 April 2026) and £1 million lifetime limit. General AI reliably gets this wrong three ways at once — quoting the abolished £12,300 allowance, the dead 10%/20% share rates, and a BADR rate from the wrong year — and answers without asking for your taxable income, the input that actually sets the rate. Input parameters: - `assetType` (string): What are you selling? BADR (Business Asset Disposal Relief) needs, broadly: 2 years of ownership, and for company shares at least 5% of shares and votes while being an officer or employee — check the… - `badrLifetimeUsed` (number): BADR lifetime relief already claimed (£) Only matters for BADR disposals. Gains you have already claimed BADR on, ever — the relief has a £1 million lifetime limit. - `disposalDate` (string): When are you disposing (tax year)? The BADR rate steps 14% → 18% at this boundary (6 April 2026) — the disposal date IS a rate input now, not admin detail. Main 18%/24% rates and the £3,000 allowance… - `gain` (number): Total gain on the disposal (£) Proceeds minus what you paid minus allowable costs (buying/selling fees, improvement costs). The gain, not the sale price. - `otherGainsUsedAea` (string): Already used the £3,000 allowance this year? The annual exempt amount is per tax year across all your disposals, not per disposal. - `taxableIncome` (number): Your taxable income this year (£) Income AFTER the personal allowance — roughly your salary minus £12,570. This is the hidden input: the gain stacks on top of it, and it decides how much falls in the… ### `india_gratuity` (~446 tokens) India Gratuity Calculator (Labour Codes, from 21 Nov 2025) Statutory gratuity under the new Labour Codes — the 50% wage floor and the 1-year fixed-term gate that the old answer misses. Computes statutory gratuity under India’s Code on Social Security 2020, in force since 21 Nov 2025 (general AI often still says the Labour Codes are pending). The formula looks unchanged — wages × 15/26 per year of service — but two decisive inputs are hidden: the §2(88) wage definition floors the gratuity base at 50% of total remuneration when basic + DA is kept low (most modern salary structures), and fixed-term employees now qualify after just 1 year instead of 5. Both can turn the “obvious” answer from wrong to right by lakhs. Input parameters: - `basicDA` (number): Monthly basic + DA last drawn Basic pay + dearness allowance (+ retaining allowance, if any) in your last drawn month. Gratuity runs on last-drawn wages, not an average. - `employmentType` (string): What kind of employment? This gate is the headline change — fixed-term employees now qualify after just 1 year (pro-rata), and working journalists after 3. Under the old Act the answer for a 2-year f… - `exitReason` (string): Why is employment ending? Death or disablement waives the qualifying-service requirement entirely; the formula is otherwise the same. - `serviceExtraMonths` (number): …plus months Months beyond the completed years. More than 6 months rounds UP to a full extra year (§53(2)); exactly 6 does not. - `serviceYears` (number): Completed years of service Whole completed years of continuous service. Put the leftover months in the next field. - `totalRemuneration` (number): Total monthly remuneration Everything monthly: basic, DA, HRA, allowances, employer PF contribution, statutory bonus — but not gratuity or ESI (per the MoLE FAQ). The 50% floor: if basic + DA is unde… ### `creator_platform_payout` (~543 tokens) Creator Platform Payout Calculator What you actually net on YouTube, Twitch, Patreon, Substack, or OnlyFans — after the platform cut AND the processing layer nobody advertises. Computes a creator’s real monthly payout after every fee layer on five platforms. Platform fees drift constantly and general AI quotes stale ones — Patreon moved new creators to a flat 10% on 4 Aug 2025 (models still recite the old 5/8/12 tiers), Twitch restructured its split into Plus Points in 2024, OnlyFans changed its payout minimum in Apr 2026. And the advertised "platform cut" is never the whole story: payment processing adds 3–7 points on the subscription platforms, and the per-transaction fixed fee makes small pledges dramatically more expensive — a $3 Patreon pledge loses about 8% to processing alone, a $50 pledge about 3.5%. This tool computes the all-in take rate, which no advertised number states. Input parameters: - `avgTransaction` (number): Average pledge / sub size ($) Patreon and Substack charge processing per transaction, so the average pledge size changes the all-in rate. Patreon pledges of $3 or less use the micro rate (5% + $0.10)… - `monthlyGross` (number): Monthly gross platform revenue ($) Before ANY cut. For YouTube: the ad revenue allocated to your videos (for Shorts, your allocation from the creator pool). For subscription platforms: total pledges/… - `patreonPlan` (string): Patreon fee plan Patreon only. Pages created after 4 Aug 2025 pay a flat 10%. Older pages keep their legacy 5/8/12% plan — but unpublishing your page permanently converts you to 10%. It is a one-way… - `platform` (string): Platform Each platform has a completely different fee structure — this decides everything below. - `twitchSplit` (string): Twitch sub split tier Twitch only. Plus Points come from paid subs sustained over 3 months: Tier 1 = 1 point, Tier 2 = 2, Tier 3 = 6; gifted subs and Prime subs do NOT count. 100 points unlocks 60%,… - `youtubeStream` (string): YouTube revenue stream YouTube only — ignored for other platforms. Shorts revenue is 45% of an allocation from a shared creator pool (computed after music licensing), so the allocation itself varies… ### `us_freelance_vs_employee` (~506 tokens) Freelance vs Employee: the True-Equivalence Rate The 1099 rate that truly replaces a W-2 salary — solved from taxes, benefits, and billable reality, not a folk multiplier. Rules of thumb ("charge 1.5× your salary hourly") hide what actually changes when you go independent: you pay both halves of Social Security and Medicare, buy the whole health premium instead of the employee share, self-fund the 401(k) match, and bill far fewer hours than you work. One thing runs the other way — the §199A QBI deduction (made permanent in 2025) shelters about 20% of profit from income tax, and models routinely forget it. This tool solves for the 1099 gross at which your net-of-everything genuinely matches the W-2 job, then divides by the hours that realistically bill. All 2026 parameters verified on IRS primary sources; benefit defaults from the KFF 2025 employer survey. Input parameters: - `employeeHealthCost` (number): Your share of health premium as an employee (annual) What comes out of your paycheck for coverage. Default: KFF 2025 average worker contribution for single coverage. - `filing` (string): Filing status - `freelanceHealthCost` (number): Full health premium as a freelancer (annual) What you would pay for comparable coverage on your own (marketplace or otherwise). Default: KFF 2025 average single premium. Family coverage runs ~$27,000… - `hoursPerWeek` (number): Hours worked per week (freelance) - `matchPct` (number): Employer 401(k) match (%) Percent of salary your employer contributes. Default: the 2025 Vanguard average (4.7%). The freelancer self-funds this to stay even (deductible via a solo 401(k)). - `salary` (number): The W-2 salary to match Annual gross salary of the job you have or are comparing against. - `utilizationPct` (number): Billable share of worked hours (%) The hidden lever. Sales, admin, invoicing, and bench time don’t bill — professional-services benchmark is ~66%; solo practices vary widely. - `weeksWorked` (number): Working weeks per year After vacation, holidays, and sick time — which no longer come paid. A W-2 job with ~23 paid days off works ≈47 weeks but is paid for 52. ### `us_self_employment_quarterly_taxes` (~509 tokens) Self-Employment Tax & Quarterly Estimated Payments (2026 1040-ES) How much you’ll owe on 2026 freelance income — SE tax, income tax, QBI — and the exact quarterly payment the safe-harbor rules actually require. The first-year freelancer’s tax planner. Computes your 2026 self-employment tax (both halves of Social Security and Medicare — including how W-2 wages eat the $184,500 wage base first), federal income tax with the QBI deduction, and then the number that matters: the quarterly estimated payment §6654 actually requires. That number usually does NOT depend on what you earn this year — the safe harbor is 100% of last year’s tax (110% if prior AGI topped $150k), and if you owed $0 last year, no estimated payments are required at all. General AI reliably misses these mechanics and quotes stale parameters; this uses the 2026 Form 1040-ES figures directly. Input parameters: - `filing` (string): Filing status - `priorAgiOver150k` (string): Was your 2025 AGI over $150,000? Over $150,000 ($75,000 married filing separately), the prior-year safe harbor rises from 100% to 110% of last year’s tax. - `priorYearTax` (number): Total tax on your 2025 return The "total tax" line (line 22-ish) on your 2025 Form 1040. This is the safe-harbor anchor: pay 100% of it (110% if prior AGI > $150k) and you cannot be penalized regardl… - `seProfit` (number): Expected 2026 self-employment profit Profit, not revenue — revenue minus business expenses. Entering gross revenue here is the most common way freelancers over-pay. - `w2Wages` (number): W-2 wages this year (if side-gigging) Your day-job wages matter twice: they eat the Social Security wage cap first (shrinking your SE tax), and their withholding counts toward the safe harbor. - `w2Withholding` (number): Federal income tax withheld at the W-2 job (annual) From your pay stubs — federal income tax only. Withholding is treated as paid evenly across the year, which matters for the safe harbor. ### `uk_first_year_self_assessment` (~444 tokens) UK Self-Assessment First-Year Bill Calculator (payments on account) Your real first-January Self Assessment bill — the year’s tax PLUS 50% of next year’s, due the same day — with the exact dated payment schedule. Computes a UK sole trader’s 2025-26 Self Assessment bill (income tax stacked on top of any PAYE income, plus Class 4 National Insurance) and then the part general AI reliably misses: payments on account. First-time filers owe 150% of their bill on 31 January 2027 — the full year’s tax plus the first half of next year’s, in one payment, for income earned up to ~22 months earlier. The tool applies the exact boundary tests (POAs are waived when the bill is under £1,000 or when more than 80% of your tax was collected at source through PAYE), the post-April-2025 late-payment interest formula (Bank rate + 4%, currently 7.75% — models still quote the old + 2.5%), and flags whether Making Tax Digital’s quarterly reporting catches you from April 2026. Input parameters: - `firstYear` (string): Is this your FIRST Self Assessment year? First-timers get the 150% shock: the whole year’s bill plus the first payment on account land on the same day. Returning filers have already part-paid via las… - `payeIncome` (number): Employment (PAYE) income in the same year (£) Salary taxed through payroll. It uses up your personal allowance and basic-rate band BEFORE your profit — and because its tax is collected at source, it… - `priorBill` (number): Last year’s total Self Assessment bill (£) Only used when this is NOT your first year: it set the two payments on account (50% each) you have already made toward this year. - `profit` (number): Self-employment profit for 2025-26 (£) Tax year 6 Apr 2025 – 5 Apr 2026: revenue minus allowable expenses (your taxable profit, not turnover). ### `singapore_platform_worker_cpf` (~543 tokens) Singapore Platform Worker CPF Calculator (Platform Workers Act) Your monthly CPF deduction and operator top-up as a ride-hail or delivery platform worker — by birth cohort, vehicle, and the 2025–2029 rate ramp. Computes platform-worker CPF under Singapore’s Platform Workers Act (in force 1 Jan 2025) — a regime new enough that general AI either doesn’t know it or garbles it. Three inputs users never think to volunteer decide everything: your BIRTH DATE (born on/after 1 Jan 1995 → increased contributions are mandatory; born before → voluntary via an irrevocable opt-in, otherwise MediSave-only), your VEHICLE (the 60/35/20% fixed expense deduction moves the CPF base by 3× for the same gross), and the YEAR (rates ramp every January to full employee parity in 2029). It also gets right what models confidently invert: no monthly ceiling — unlike employees — but a $102,000/year net-earnings cap per platform operator. Input parameters: - `age` (number): Age Sets the rate band: 35 & below, >35–45, >45–50, >50–55, >55–60, >60–65, >65–70, >70. Each band has its own worker/operator split. - `birthYear` (number): Birth year The hard line: born on or after 1 Jan 1995 → increased CPF contributions are MANDATORY. Born before → voluntary, by an IRREVOCABLE opt-in (otherwise MediSave-only). Two riders doing identi… - `grossMonthly` (number): Gross platform earnings per month (S$) Fares and fees as paid out by the platform, before the fixed expense deduction. Per operator. - `optedIn` (string): Born before 1995 — have you opted in? Only matters if you were born before 1 Jan 1995. The opt-in is irreversible — once made, you are treated exactly like the mandatory cohort (worker share + operat… - `vehicle` (string): How do you work? CPF applies to NET earnings = gross minus a fixed expense deduction (FEDA) set by your mode of work: 60% for cars/vans/lorries, 35% for motorcycles/PABs/PMDs, 20% otherwise. A car dr… - `year` (string): Contribution year Rates ramp every January until full employee parity in 2029. 2027+ figures for ages 55–70 are subject to the senior-worker contribution schedule. ### `compound_growth` (~116 tokens) Compound Growth What a starting amount plus monthly contributions grows into over time. Projects the future value of a lump sum plus recurring monthly contributions at a given annual return, compounded monthly. Splits the outcome into what you put in versus what compounding earned, and sanity-checks the assumptions. Input parameters: - `monthly` (number): Monthly contribution - `principal` (number): Starting amount - `rate` (number): Annual return (%) Nominal annual return. 7% is a common long-run equity assumption. - `years` (number): Years (yr) ### `savings_goal` (~102 tokens) Savings Goal The monthly saving needed to hit a target by a deadline. Given a target amount, what you already have, a time horizon, and an expected return, computes the required monthly contribution — and shows what waiting a year would cost you. Input parameters: - `current` (number): Already saved - `goal` (number): Target amount - `rate` (number): Annual return (%) Use a conservative rate for short horizons. - `years` (number): Years to goal (yr) ### `loan_payment` (~81 tokens) Loan Payment Monthly payment, total interest, and what paying extra saves. Standard amortized loan math: monthly payment, total cost, interest as a share of principal — plus a concrete extra-payment scenario showing time and interest saved. Input parameters: - `amount` (number): Loan amount - `rate` (number): Annual interest rate (%) - `years` (number): Term (yr) ### `fire_number` (~113 tokens) FIRE Number The portfolio that makes work optional, and how far away it is. Computes your financial-independence target from annual spending and a safe withdrawal rate, then projects how many years your current savings and monthly contributions take to reach it. Input parameters: - `current` (number): Current portfolio - `expenses` (number): Annual spending - `monthly` (number): Monthly investing - `rate` (number): Expected annual return (%) - `swr` (number): Withdrawal rate (%) The classic "4% rule". Lower is safer. ### `split_bill` (~68 tokens) Split Bill Even split with tip, rounded so nobody argues. Splits a bill evenly across people with an optional tip, and shows the clean rounded amount plus who covers the remainder. Input parameters: - `people` (number): People - `tip` (number): Tip (%) - `total` (number): Bill total ### `unit_price` (~102 tokens) Unit Price Which package is actually cheaper per unit. Compares two package options by price per unit and quantifies the savings — the supermarket-shelf math, done honestly. Input parameters: - `priceA` (number): Option A price - `priceB` (number): Option B price - `qtyA` (number): Option A quantity Any unit — grams, sheets, count — as long as both options use the same one. - `qtyB` (number): Option B quantity ### `true_hourly_wage` (~332 tokens) True Hourly Wage (Gig & Side Hustle) What a gig actually pays per hour — after vehicle costs, waiting time, and self-employment tax. Turns gross gig or side-hustle earnings into the real hourly wage: counting every hour worked (including waiting and driving between jobs), the full per-mile cost of the vehicle (not just gas), and the tax that no employer is withholding. Then compares the result to minimum wage — and is honest when the answer is "stay home." Input parameters: - `costPerMile` (number): Vehicle cost / mile Gas alone is ~$0.12–0.18/mi. The IRS all-in rate (fuel + maintenance + depreciation + insurance) is ~$0.70/mi. Most drivers’ true cost is $0.25–0.45. - `gross` (number): Gross earnings / week What the app(s) paid you, before anything. - `hours` (number): Total hours / week Include waiting, driving between jobs, and returning empty — research finds unpaid "deadhead" time is about a third of gig working time. - `miles` (number): Miles driven / week All of them, including empty miles. 0 if the hustle has no vehicle. - `minWage` (number): Local minimum wage The benchmark an employer would legally have to beat. US federal is $7.25; many states/cities are $15+. - `taxPct` (number): Tax on profit (%) US self-employment tax alone is ~14% of profit; add your income-tax bracket for the fully-taxed number. Set 0 to see pre-tax. ### `steady_paycheck` (~178 tokens) Steady Paycheck (Variable Income) Turn an up-and-down income into a safe monthly salary and a right-sized buffer. For freelancers, tipped workers, sellers, and seasonal earners: paste your last months of income and get the salary you can safely pay yourself, how big a buffer your actual swings require, and which months were spikes to bank rather than spend. The pay-yourself-a-salary method every advisor teaches by hand, as a calculator. Input parameters: - `buffer` (number): Cash buffer today What’s in the account that smooths the gaps. Leave 0 if none yet. - `essentials` (number): Essential monthly costs Rent, food, utilities, insurance, minimum debt payments — the must-pays. - `incomes` (array): Monthly income, most recent months Comma-separated, 3–24 months, any order. More months = a truer picture. ### `quit_runway` (~233 tokens) Quit Runway (Can I Afford to Leave?) How long your savings last after leaving a job — and whether new income overtakes costs before they run out. The personal version of a startup runway: savings, a quit-mode budget, the costs your employer was quietly covering (health insurance above all), and the income you’d be growing instead. Answers the two questions that matter: how many months you have, and whether the new income crosses your costs before month zero. Input parameters: - `essentials` (number): Essential monthly spending The quit-mode budget, not your current lifestyle. - `extraCosts` (number): New costs after quitting What the job was covering: health insurance (US COBRA/marketplace often $400–800/person), phone, equipment. - `growthPct` (number): That income’s growth / month (%) How fast the new thing is growing, from evidence so far. 0 = flat. - `savings` (number): Savings you can spend Liquid only — not retirement accounts you’d pay penalties to touch. - `sideIncome` (number): Monthly income that continues Freelance, side project, partner contribution to your share — income that survives the quit. ### `china_income_tax_salary` (~270 tokens) China Salary Tax & Net Pay (cumulative withholding 累计预扣) Your real China take-home month by month — under the cumulative method, where the same salary is taxed more each month as the year goes on. Computes monthly and annual individual income tax (IIT) on a China salary using the actual cumulative withholding method (累计预扣预缴法). Because tax is recomputed on year-to-date income, the same gross salary is withheld more each month as cumulative income climbs the brackets — so your take-home falls through the year. Simple monthly-bracket calculators (and general AI) get every month after the first bracket crossing wrong. Input parameters: - `monthlyGross` (number): Monthly gross salary Assumed constant across the year. - `socialInsurance` (number): Monthly social insurance & fund (个人部分) Your own 五险一金 deduction per month (专项扣除) — this reduces taxable income. Use the 五险一金 calculator to get it. - `specialDeductions` (number): Monthly special additional deductions (专项附加扣除) Total of children’s education (2,000/child), childcare under 3 (2,000/child), elderly care (up to 3,000), housing loan interest (1,000) or rent (800–1,5… ### `china_social_insurance` (~424 tokens) China Social Insurance & Housing Fund 五险一金 (employee + employer cost) What actually comes out of a China salary — and what the employer pays on top — with the contribution-base floor/ceiling applied correctly. Computes China social insurance + housing fund (五险一金) for both the employee deduction and the total cost to the employer, applying the city contribution-base floor and ceiling that general calculators skip. Contributions are charged on the contribution base — your prior-year average wage clamped between a city floor (~60% of local average) and ceiling (300%) — not on this month’s gross. Rates and bases differ by city and reset each July, so they are yours to set; the defaults are illustrative 2025 Beijing figures. Input parameters: - `baseCeiling` (number): Base ceiling 上限 override (optional) Leave 0 to use your city’s ceiling. Salary above the ceiling is not charged. - `baseFloor` (number): Base floor 下限 override (optional) Leave 0 to use your city’s floor. Override for a city not listed. - `city` (string): City Sets the contribution-base floor and ceiling (the ~60%/300%-of-local-average band) — the numbers you would otherwise look up. Pick “Other” to enter your own. - `employeeSocialRate` (number): Employee social-insurance rate (%) Sum of the employee’s pension (8%) + medical (~2%) + unemployment (~0.5%). Work-injury and maternity are employer-only. - `employerSocialRate` (number): Employer social-insurance rate (%) Sum of employer pension (16%) + medical (~9%) + unemployment (~0.5%) + work-injury (~0.2–1.9%). City-dependent. - `gross` (number): Monthly gross salary Used as the contribution base after clamping to the city floor/ceiling. If your official contribution base differs from gross, enter that instead. - `housingFundRate` (number): Housing fund rate 公积金 (each side) (%) Employer-chosen 5–12%, matched by the employee. Shanghai caps at 7%. ### `us_estate_tax_exemption` (~444 tokens) US Federal Estate-Tax Exposure (2026 — the sunset that didn’t happen) Whether your estate owes federal estate tax under the permanent $15M exclusion — and what the “2026 sunset” answer would have wrongly told you. Computes federal estate-tax exposure under the 2026 rules: a flat $15,000,000 basic exclusion per person, made PERMANENT by OBBBA §70106 — the long-scheduled TCJA sunset to ~$7M never happened, but AI trained before mid-2025 still tells you it did. Accounts for lifetime taxable gifts already made (they consume the unified exclusion) and a deceased spouse’s unused exclusion (DSUE) via portability. Shows the prior-law contrast so you can see exactly how much the “sunset” answer would have overstated your tax, and flags the separate state-level estate taxes (12 states + DC, thresholds from $1M) that the federal all-clear does not cover. Input parameters: - `dsueAmount` (number): DSUE amount from deceased spouse ($) The unused exclusion ported from your deceased spouse (from their Form 706). Only applies with the “surviving spouse with elected DSUE” status above. - `estateValue` (number): Gross estate value ($) Everything you own at death — real estate, investments, retirement accounts, business interests, life-insurance proceeds you own. Use today’s value as an estimate. - `lifetimeGiftsUsed` (number): Lifetime taxable gifts already made ($) Cumulative gifts above the annual exclusion ($19,000/recipient in 2026) reported on gift-tax returns. These consume your unified exclusion before death. - `maritalStatus` (string): Marital / portability situation DSUE (deceased spousal unused exclusion) only counts if a Form 706 was filed for the deceased spouse to elect portability — it is not automatic. - `state` (string): Does your state levy its own estate tax? WA, OR, MN, IL, MD, MA, RI, CT, VT, NY, ME, HI + DC levy their own estate tax with thresholds far below $15M (Oregon starts at $1M). This tool flags it but co… ### `uk_car_tax_ved` (~564 tokens) UK Car Tax Calculator (VED) — inc. post-2025 EV rules Vehicle Excise Duty (road tax) on a UK car — first-year rate by CO2, the £200 standard rate EVs now pay too, and the £440 expensive-car supplement with its new £50k EV threshold. Computes Vehicle Excise Duty ("road tax") for a UK car using the 2026-27 rate tables: the CO2-based first-year rate for cars registered from April 2025, the flat £200 standard rate for later years, the 2001–2017 CO2 band table for older cars, and the £440/yr expensive-car supplement (years 2–6). Two recent changes make general AI unreliable here: EVs stopped being exempt on 1 April 2025 (models still say "electric cars pay no road tax"), and the expensive-car supplement threshold for EVs rose from £40,000 to £50,000 on 1 April 2026 — retroactively, for EVs registered from April 2025 — so even the briefly-correct 2025 answer is now wrong. The right figure branches on fuel, CO2, registration date, and list price at once. Input parameters: - `co2` (number): CO2 emissions (g/km) From the V5C logbook or the manufacturer. Sets the first-year rate for cars registered from April 2025 and the band for 2001–2017 cars. Ignored for EVs, and for the standard-year… - `fuel` (string): Fuel type Zero emission = pure electric (or hydrogen fuel-cell). Hybrids count as petrol/diesel — their £10 hybrid discount ended in April 2025. Non-RDE2 diesels pay one first-year band higher (see m… - `listPrice` (number): Manufacturer list price when new (£) The published list price on the day of first registration, including factory options and VAT — not what was actually paid. This decides the expensive-car suppleme… - `regDate` (string): When was the car first registered? The decisive input — three different tax regimes by first-registration date (the date the car was first registered anywhere, not when you bought it). Cars first reg… - `yearOfOwnership` (string): Which year of the car’s life? Which year’s tax to show. The CO2-based first-year rate only exists for cars registered from April 2025 — for older cohorts "first year" is shown as a normal year. Years… ### `mexico_vacaciones_aguinaldo` (~384 tokens) Mexico Vacation Days, Prima Vacacional & Aguinaldo (Vacaciones Dignas) Your legal vacation days under the 2023 Vacaciones Dignas reform, plus the prima vacacional and year-end aguinaldo in pesos. Computes your statutory vacation days under Mexico’s Vacaciones Dignas reform (LFT Art. 76, in force 1 Jan 2023), the 25% prima vacacional (Art. 80), and the 15-day aguinaldo due by 20 December (Art. 87), pro-rated for partial years. The internet — and AI trained on it — is saturated with the pre-2023 table that gave just 6 days in year one; the reform doubled that to 12 and re-banded the rest, and the +2-days-per-five-years banding after year 5 is precisely where models and stale HR pages still get it wrong. All amounts use your base salary: the SDI (integrated wage) is for IMSS only, and using it here double-counts the benefits being calculated. Input parameters: - `daysWorkedThisYear` (number): Days worked this calendar year For the aguinaldo pro-rata: worked less than the full year (started mid-year, leaving early) and the 15 days scale by days worked ÷ 365. Leave 365 for a full year. - `monthlySalary` (number): Monthly base salary (MX$) Your base salary (cuota diaria = monthly ÷ 30) — NOT the SDI. The integrated wage (salario diario integrado) is for IMSS contributions only; using it here double-counts the… - `serviceYears` (number): Completed years of service Count FULL years only — vacation entitlement vests on completing each year of service (2 years 8 months = 2). Enter 0 if you have not yet completed your first year. ### `saudi_end_of_service` (~374 tokens) Saudi Arabia End-of-Service Award (EOSB) Calculator Your end-of-service award under Saudi Labor Law Arts. 84–87 — the resignation ladder and the wage base, done right for KSA (not the UAE). Computes the end-of-service award (EOSB, مكافأة نهاية الخدمة) under Saudi Labor Law: the Art. 84 base (half a month per year for the first five years, a full month per year after, on the LAST actual wage), then the branch the termination reason selects — full award for employer-side endings, the Art. 85 ladder (0 / 1/3 / 2/3 / full at exactly 2, 5, and 10 years) for resignation, and ZERO for an Art. 80 misconduct dismissal. General AI reliably gets this wrong by porting UAE rules into KSA: the UAE abolished resignation reductions and uses basic-only wage; Saudi kept the ladder and uses the actual wage including allowances. Input parameters: - `monthlyWage` (number): Last monthly wage (actual wage, SAR) (SAR) Your LAST monthly actual wage: basic + housing + transport + fixed allowances. The Saudi base is the gross wage, NOT basic-only (that is the UAE rule). Cont… - `reason` (string): How is employment ending? The decisive input. The reason flips the answer between 0× and 1× of the same formula — the input models never ask for. Ordinary resignation is cut by the Art. 85 ladder; an… - `serviceYears` (number): Years of service Total continuous service in years — decimals are fine, pro-rata applies to fractions of a year in both tiers. ### `germany_elterngeld` (~626 tokens) Germany Elterngeld Calculator (Basiselterngeld & ElterngeldPlus) Your monthly Elterngeld under current BEEG law — the exact three-segment replacement rate, the €300–€1,800 clamp, and the cohort income caps (€175k / €200k / €300k) that changed twice in twelve months. Computes German parental allowance (Elterngeld): the eligibility income cap that depends on your child’s birth date (€175,000 for births from 1 April 2025; €200,000 for the year before; €300,000/€250,000 earlier — general AI quotes stale caps or invents a €150,000 single cap that has never existed), the exact BEEG §2 sliding replacement rate (67% only between €1,000–1,200 net — 65% above €1,240, up to 100% at low incomes), the €300–€1,800 Basiselterngeld clamp unchanged since 2007, ElterngeldPlus (half the amount, double the months), Geschwisterbonus, and Mehrlingszuschlag for multiples. Input parameters: - `birthCohort` (string): When is (was) your child born? The decisive input: the eligibility income CAP depends on the child’s birth date — €175k / €200k / €300k(couples)-€250k(singles). This cohort trap is what general AI mi… - `household` (string): Household Only the pre-Apr-2024 cohort has different caps by household type. Single parents can claim all partner months themselves. - `monthlyNet` (number): Your average monthly net earned income before birth (€/mo) Average monthly NET earned income of the 12 months before birth (before Mutterschutz for the mother). Months on Elterngeld for an older chil… - `multiples` (number): Children in this birth Twins = 2. Mehrlingszuschlag adds €300 per additional child of the same birth (€150 in Plus months). - `siblingBonus` (string): Geschwisterbonus (sibling bonus)? Applies while at least one other child under 3 (or two others under 6) lives in the household: +10% of your Elterngeld, minimum €75 (€37.50 in Plus months). - `taxableIncome` (number): Taxable income in the calendar year before birth (zu versteuerndes Einkommen) (€/yr) The household’s zu versteuerndes Einkommen per the Steuerbescheid — taxable income, NOT gross salary — in the cale… - `variant` (string): Which variant? ElterngeldPlus pays half the Basis amount for double the months — designed for working part-time while receiving. Both are shown; this picks the headline. ### `uk_child_benefit_charge` (~424 tokens) UK High Income Child Benefit Charge (HICBC) Optimizer How much of your child benefit the £60k–£80k charge claws back — and the exact pension contribution that makes it disappear. Computes the High Income Child Benefit Charge on the higher earner’s adjusted net income (ANI): 1% of the household’s child benefit per £200 of ANI above £60,000, reaching 100% at £80,000. Then it computes the lever most people miss — relief-at-source pension contributions are grossed up ×1.25 before they reduce ANI, so a precise net contribution can zero the charge while collecting higher-rate relief on top. General AI still quotes the old £50,000 threshold, cites the household-income reform that was announced and then dropped, and tells you Self Assessment is required when PAYE collection has been live since September 2025. Input parameters: - `children` (number): Children you claim child benefit for Eldest child £27.05/week, each additional child £17.90/week (2026-27). - `giftAid` (number): Gift Aid donations this year (net) (£) Charity donations under Gift Aid (what you actually gave). Like pensions, they are grossed up ×1.25 and reduce adjusted net income. - `higherIncome` (number): Higher earner’s taxable income (£) The HIGHER earner’s adjusted-net-income components before this tool’s deductions: salary + bonus + benefits in kind (company car, medical) + rental and investment i… - `pensionContributions` (number): Pension contributions this year (relief at source, net) (£) What you actually paid into a personal/workplace relief-at-source pension (the net amount). The provider adds 25% basic-rate relief, and th… ### `uk_universal_credit_taper` (~524 tokens) UK Universal Credit Taper — Does Working More Pay? What an extra shift or pay rise really leaves you on Universal Credit — the 55% taper, the work allowance you may not have, and the pension trick. Computes your Universal Credit payment at your current net earnings and at your earnings plus the raise or extra shift you are weighing — showing exactly how much of the extra you keep after the 55% taper. The taper applies to NET earnings (after tax, NI, and 100% of pension contributions), the work allowance only exists for households with children or limited capability for work, and whether your UC includes a housing element switches that allowance between £427 and £710 a month. General AI gets all three wrong: it tapers gross pay, hands everyone an allowance, and quotes outdated rates. Input parameters: - `extraEarnings` (number): Extra net earnings you are considering (£) The raise, extra shift, or overtime you are weighing — as extra NET (take-home) pay per month. The tool shows how much of it survives the taper. - `hasChildren` (string): Children on the claim? The work-allowance gate. Only households responsible for a child OR with limited capability for work (LCW/LCWRA after a Work Capability Assessment) get a work allowance. Answer… - `household` (string): Your household Sets the standard allowance — the base of your maximum UC award. Couples claim jointly and their earnings are combined. - `housingElement` (string): Does your UC include a housing element? The hidden switch. If your UC award includes help with housing costs, your work allowance is £427/month; with no housing element it is £710. Check your UC stat… - `netMonthlyEarnings` (number): Your net monthly earnings (take-home) (£) Take-home pay per assessment month — after income tax, National Insurance, AND 100% of your pension contributions. UC tapers NET earnings, not gross: this is… - `otherElements` (number): Other UC elements on your statement (£) Child, housing, disability, and carer elements from your UC statement — add them so the taper math starts from your real maximum award. Left at 0, the tool use… ### `uae_gratuity` (~433 tokens) UAE End-of-Service Gratuity Calculator Your end-of-service gratuity under Decree-Law 33/2021 Art. 51 — basic wage, no resignation penalty — plus the savings-scheme comparison. Computes the end-of-service gratuity (مكافأة نهاية الخدمة) under UAE Decree-Law 33/2021: 21 days of basic wage per year for the first five years of service, 30 days per year after, on the LAST basic wage only, capped at two years' wage — and, in compare mode, the monthly contribution the voluntary savings scheme (Cabinet Resolution 96/2023) would pay instead. General AI reliably gets the UAE wrong in two ways: it cites the ABOLISHED 1980-law rules (limited/unlimited contracts, the 1/3–2/3 resignation penalty, forfeiture on dismissal — all gone since February 2022), and it ports Saudi rules across the border (KSA uses the actual wage including allowances, keeps a resignation ladder, and zeroes the award on an Art. 80 dismissal; the UAE does none of those). Mainland UAE only — DIFC (DEWS) and ADGM have their own regimes. Input parameters: - `basicMonthly` (number): Last monthly BASIC wage (AED) (AED) UAE gratuity uses the BASIC wage only — housing, transport, and other allowances are excluded. This is the OPPOSITE of Saudi Arabia, where the base is the actual w… - `mode` (string): What to compute The savings scheme is an employer opt-in that replaces gratuity accrual with monthly contributions to a licensed, ring-fenced fund. Compare mode shows the monthly contribution at your… - `serviceYears` (number): Years of service Total continuous service in years — decimals are fine, fractions of a year earn pro-rata. Days of unpaid absence are excluded from the service count. Under one full year of service,… ### `app_store_developer_fees` (~628 tokens) App Store / Google Play / Steam Developer Take-Home Calculator What your app or game actually nets after Apple’s, Google’s, or Valve’s cut — including the 30 Jun 2026 Google Play restructure no AI model has memorized. Computes a developer’s real take-home on the App Store, Google Play, or Steam. General AI gets this wrong three ways. First, Google Play restructured its US/UK/EEA fees on 30 June 2026 — a 10%+5% / 25%+5% matrix keyed to when the user installed your app — which post-dates every model’s training data. Second, all three platforms have a “$1M tier” that works completely differently: Apple’s Small Business Program is opt-in with a prior-calendar-year eligibility test and a mid-year cliff; Google’s 15% bracket is automatic and marginal per calendar year; Steam’s tiers are marginal on per-app LIFETIME gross — models conflate the three into “15% under $1M”. Third, Apple’s EU (DMA) and US (external purchase links) fee situations are under active litigation, where a confident stale answer is the worst answer of all. This tool computes the exact net from the current schedules. Input parameters: - `annualRevenue` (number): Gross revenue ($) Gross annual consumer spend, before the store’s cut. STEAM IS DIFFERENT: enter this app’s LIFETIME gross, not annual — Steam’s tiers are marginal on per-app lifetime revenue, so whe… - `appleSbp` (string): Apple Small Business Program Apple only. Unlike Google’s automatic bracket, SBP is OPT-IN, and eligibility is tested on your PRIOR calendar year’s post-commission proceeds (≤ $1M). Crossing $1M proce… - `googleCohort` (string): Install cohort (US/UK/EEA) Google US/UK/EEA, non-subscription revenue only. New installs pay 10%+5% on the first $1M/yr then 25%+5%; existing installs pay a flat 20%+5%. Real revenue is usually a mix… - `googleRegion` (string): Google Play buyer region Google Play only. Google restructured US/UK/EEA fees effective 30 June 2026 — a service fee plus a separate 5% billing fee, keyed to when the user installed your app. Rest-of… - `platform` (string): Platform The three stores’ fee structures are not variations on one formula — they are structurally different. This decides everything below. - `revenueType` (string): Revenue type Apple and Google Play only — ignored for Steam. Apple drops any subscription to 15% after the subscriber’s first paid year; Google prices subscriptions on a separate (flat) schedule from… ### `korea_parental_leave_benefit` (~548 tokens) Korea Parental Leave Benefit Calculator (육아휴직급여, 2025 reform + 6+6) Your monthly 육아휴직급여 under the 2025 reform — 100%/100%/80% with caps ₩2.5M/₩2.0M/₩1.6M, the 6+6 ladder to ₩4.5M, and the 25% withholding that no longer exists. Computes South Korean parental-leave benefit (육아휴직급여) under the rules in force since 1 January 2025: months 1–3 at 100% of ordinary wage capped ₩2,500,000, months 4–6 at 100% capped ₩2,000,000, months 7+ at 80% capped ₩1,600,000 — paid in full every month, because the 25% withheld-until-return (사후지급금) is abolished. When BOTH parents take leave for a child under 18 months, months 1–6 switch to the 6+6 scheme’s escalating 100% caps of ₩2.5M/₩2.5M/₩3.0M/₩3.5M/₩4.0M/₩4.5M per parent (the ladder ends at ₩4.5M — a ₩5.0M figure circulates and is wrong). Single parents get months 1–3 at 100% capped ₩3,000,000. General AI still describes the pre-2025 system (80% flat, ₩1.5M cap, 25% withheld) — all three facts are dead. Input parameters: - `monthlyWage` (number): Ordinary monthly wage (통상임금) (₩/mo) Your 통상임금 — the ordinary wage the benefit is computed on (base pay plus fixed regular allowances), not total compensation with variable bonuses and overtime. - `months` (number): Months of leave to model (mo) Standard entitlement is 12 months per parent. It extends to 18 months when both parents each take at least 3 months, for single parents, or for a child with a severe dis… - `scheme` (string): Which scheme applies? The decisive input nobody volunteers: whether BOTH parents take leave (simultaneously or one after the other) for a child under 18 months. If yes, months 1–6 flip to the 6+6 sch… ### `france_conges_arret_maladie` (~470 tokens) France Paid-Holiday Accrual During Sick Leave (post-2024 rules) How many congés payés your sick-leave months actually earn under the April 2024 law — the opposite of what most of the internet still says. Computes the paid-holiday days (congés payés) you acquire in a reference period (1 June – 31 May) that includes sick leave, under France’s April 2024 reform (loi 2024-364 “DDADUE”, Code du travail L3141-3/-5/-5-1). Until that law, ordinary sick leave earned NO paid holiday — decades of French web pages and the AI trained on them still say so — but the law now says the opposite: ordinary sick months accrue 2 jours ouvrables per month (capped at 24 sick-accrued days per period) and work-accident/occupational-illness (AT/MP) months accrue the full 2.5, with the old one-year limit removed. The decisive input is the absence type — it changes both the rate and the cap — and the 15-month carry-over clock that only starts when your employer informs you decides whether the days survive at all. Input parameters: - `absenceType` (string): What kind of sick leave? THE gate — ordinary sick months accrue 2 jours ouvrables/month (sick-accrued portion capped at 24 per period); AT/MP months accrue the full 2.5, and the old one-year limit on… - `convention` (string): Your company counts holiday in… The Code counts in jours ouvrables (6-day weeks, 30/year max). Many companies convert to jours ouvrés (5-day weeks, 25/year) — the ×5/6 conversion must never leave you… - `sickMonths` (number): Months on sick leave in the reference period (mo) Months of sick absence between 1 June and 31 May (the legal reference period). Count each month the arrêt covered. - `workedMonths` (number): Months worked in the same period (mo) Months actually worked (or otherwise fully assimilated to work — maternity leave, training…) in the same 1 June – 31 May period. Sick + worked cannot exceed 12. ### `japan_childcare_leave_benefit` (~602 tokens) Japan Childcare Leave Benefit Calculator (育児休業給付金 & 出生後休業支援給付金) Your childcare-leave money under the April-2025 framework: 67% (then 50%) of daily wage, plus the new +13% top-up that lifts the first 28 days to 80% gross — with the exact caps valid 1 Aug 2025 – 31 Jul 2026. Computes Japanese childcare-leave benefits: the base 育児休業給付金 (67% of your daily wage for the first 180 benefit days, 50% after) and the 出生後休業支援給付金 introduced April 2025 — a +13% top-up on up to 28 days that lifts them to 80% gross, roughly 100% of normal net take-home once the tax and social-insurance exemptions are counted. General AI still answers 67% (the top-up postdates most training data) and garbles the condition’s asymmetry: the father’s +13% is satisfied automatically while the employed mother is on 産後休業 — it is the mother’s claim that needs the father to take ≥14 days (or a waiver). Uses the caps valid 1 Aug 2025 – 31 Jul 2026 (¥16,110 daily ceiling; ¥58,640 top-up cap per 28 days); every cap revises each 1 August. Input parameters: - `bothCondition` (string): Is the +13% condition met? The 出生後休業支援給付金 needs your own leave of ≥14 days within the statutory window AND the spouse condition per the claimant note above (a father’s is auto-met while the employed… - `claimant` (string): Who is claiming? The asymmetry general AI misses: a father’s +13% condition is satisfied AUTOMATICALLY while the employed mother is on maternity leave (産後休業 counts as waiver #6) — he only needs his o… - `leaveDays` (number): Leave days to model (days) Total benefit days you plan to take. The 67% rate runs for the first 180 benefit days (the counter includes 産後パパ育休 days), then steps down to 50%. - `monthlyWage` (number): Average monthly wage before leave (¥/mo) Average of the 6 months of wages before the leave starts — this sets your 賃金日額 (daily wage) = wage × 6 ÷ 180 = wage ÷ 30. Use gross pay including fixed allowa… ### `apr_to_apy` (~87 tokens) APR ↔ APY Converter Nominal vs effective rates — what a quoted APR really costs at your compounding frequency. Converts between nominal APR and effective APY at any compounding frequency. This is the difference between what a rate is called and what it actually does to your balance. Input parameters: - `mode` (string): Convert - `periods` (string): Compounding - `rate` (number): Rate (%) ### `price_in_hours` (~188 tokens) Price in Work Hours What a price really costs you: hours of your own work, at your take-home pay. Converts any price — a purchase or a subscription — into the hours and workdays of your own labor it consumes, using take-home pay rather than gross (you buy things with net money). For recurring costs it adds the yearly bill, the share of your working year, and what the same money becomes if invested instead. Time is the one budget everyone understands. Input parameters: - `cadence` (string): How often - `pay` (number): Pay (gross) Hourly rate or annual salary, before tax — the next field nets it down. - `payMode` (string): You earn - `price` (number): Price - `takeHomePct` (number): Take-home share (%) The share of gross you actually keep after tax and contributions. Typical full-time range: 65–85%. ### `mortgage` (~142 tokens) Mortgage Calculator True monthly cost — principal & interest plus taxes, insurance, and PMI, not just the loan. Monthly mortgage payment from price, down payment, rate, and term — including the parts lender ads leave out: property tax, home insurance, and PMI when the down payment is under 20%. The headline number here is the full PITI cost of owning. Input parameters: - `downPct` (number): Down payment (%) - `insurance` (number): Home insurance / year - `price` (number): Home price - `propertyTax` (number): Property tax / year - `rate` (number): Interest rate (%) - `years` (number): Term (yr) ### `car_loan` (~129 tokens) Car Loan Calculator Monthly car payment with down payment, trade-in, and sales tax — and the long-loan trap. Auto loan payment from vehicle price, down payment, trade-in, sales tax, rate, and term — with the negative-equity warning the dealership finance office will not give you. Input parameters: - `down` (number): Down payment - `months` (number): Term (mo) - `price` (number): Vehicle price - `rate` (number): Interest rate (APR) (%) - `salesTax` (number): Sales tax (%) - `tradeIn` (number): Trade-in value ### `emi` (~107 tokens) EMI Calculator Loan EMI, total interest, and the flat-rate trap that makes 10% cost like 18%. Equated Monthly Instalment for any loan — home, car, personal — with total interest over the tenure and the one warning every borrower comparing offers needs: flat rate and reducing-balance rate are not the same thing. Input parameters: - `months` (number): Tenure (mo) - `principal` (number): Loan amount - `rate` (number): Interest rate (reducing balance) (%) ### `sip` (~137 tokens) SIP Calculator Systematic Investment Plan returns — with optional annual step-up, honestly assumed. Projects a monthly SIP (systematic investment plan) to its future corpus, splits invested amount from gains, and supports the annual step-up that matches how salaries actually grow. Input parameters: - `monthly` (number): Monthly investment - `rate` (number): Expected annual return (%) 12% is the customary Indian equity assumption; long-run index reality is closer to 10-12% nominal. - `stepUp` (number): Annual step-up (%) Increase the monthly amount every year (e.g. 10% with salary raises). - `years` (number): Years (yr) ### `credit_card_payoff` (~95 tokens) Credit Card Payoff Calculator How long your balance really takes to clear — and the minimum-payment trap in numbers. Months and total interest to pay off a credit card balance at your APR and monthly payment, with the concrete payoff acceleration from paying more — the math credit card statements are legally required to hint at and everyone ignores. Input parameters: - `apr` (number): APR (%) - `balance` (number): Balance - `payment` (number): Monthly payment ### `home_affordability` (~139 tokens) Home Affordability Calculator How much house you can afford by the 28/36 rule — the underwriting math, honestly applied. Maximum affordable home price from income, existing debts, down payment, and rate — using the 28/36 debt-to-income rule lenders actually underwrite with, and flagging when the two limits disagree. Input parameters: - `down` (number): Down payment saved - `income` (number): Gross annual income - `monthlyDebts` (number): Existing monthly debt payments Car loans, student loans, card minimums — not rent or utilities. - `rate` (number): Mortgage rate (%) - `years` (number): Term (yr) ### `currency` (~97 tokens) Currency Converter Convert between 31 currencies at the official ECB reference rate — and know what your bank adds on top. Converts any amount between 31 major currencies using the European Central Bank daily reference rate — the neutral mid-market rate — and tells you the part every converter hides: the spread your bank or card will add on top of it. Input parameters: - `amount` (number): Amount - `from` (string): From - `to` (string): To ### `unit_economics` (~149 tokens) Unit Economics LTV, LTV:CAC, and CAC payback — with the benchmarks that make them mean something. Computes customer lifetime value from ARPU, gross margin, and churn; compares it to acquisition cost; and reads the result against the standard SaaS/subscription benchmarks (3:1 LTV:CAC, sub-12-month payback). Input parameters: - `arpu` (number): Revenue per customer / month Average monthly revenue per active customer (ARPU). - `cac` (number): Customer acquisition cost Fully-loaded sales + marketing cost per new customer. - `churn` (number): Monthly customer churn (%) Share of customers lost per month. - `grossMargin` (number): Gross margin (%) ### `break_even` (~137 tokens) Break-Even Units and revenue needed to cover costs — and how much pricing moves it. Classic cost-volume-profit analysis: contribution margin, break-even units and revenue, margin of safety if you supply current volume, and the leverage a price change has on all of it. Input parameters: - `currentUnits` (number): Current monthly units Optional — adds margin-of-safety analysis. - `fixedCosts` (number): Fixed costs / month Rent, salaries, software — costs that don’t vary with volume. - `price` (number): Price per unit - `variableCost` (number): Variable cost per unit Materials, shipping, payment fees — costs incurred per unit sold. ### `runway` (~127 tokens) Runway & Burn How many months of cash remain, and when to start raising. Computes runway from cash and net burn, optionally with burn trending up or down monthly, and reads the result against fundraising realities: raises take 3–6 months, and 18–24 months post-raise is the norm. Input parameters: - `burn` (number): Net monthly burn Expenses minus revenue. Use the average of the last 3 months. - `burnChange` (number): Burn change / month (%) Positive if burn is growing (hiring), negative if revenue is catching up. - `cash` (number): Cash in bank ### `npv_irr` (~107 tokens) NPV & IRR Is this investment worth it — discounted, not vibes. Net present value, internal rate of return, payback period, and profitability index for a series of cashflows — the standard capital-budgeting toolkit, with the IRR pitfalls flagged instead of hidden. Input parameters: - `cashflows` (array): Cashflows by year Year 0 first (usually negative), then one value per year. Comma-separated. - `rate` (number): Discount rate (%) Your hurdle rate / cost of capital. ### `pricing_margin` (~78 tokens) Pricing & Margin Margin vs markup, and what a discount really costs in volume. Computes gross margin and markup from cost and price — two numbers people constantly confuse — and shows the brutal volume math behind discounting at your margin. Input parameters: - `cost` (number): Unit cost - `discount` (number): Planned discount (%) - `price` (number): Selling price ### `market_size` (~147 tokens) Market Size (TAM · SAM · SOM) Bottom-up market sizing with a built-in plausibility check. Builds TAM, SAM, and SOM bottom-up from customer count and revenue per account, then sanity-checks whether the implied customer acquisition is actually plausible — the check most pitch decks skip. Input parameters: - `accounts` (number): Potential customers in market Total count of businesses/people who could conceivably buy this category. - `arpa` (number): Annual revenue per customer - `samPct` (number): Serviceable share (%) Share you can actually reach: your segment, geography, language, channel. - `somPct` (number): Obtainable share of SAM (%) Realistic share you win in ~3–5 years given competition. ### `cagr` (~82 tokens) CAGR Calculator Compound annual growth rate — the honest average that volatile returns hide behind. CAGR between a start and end value over a period, plus the reverse projection — and why CAGR beats "average return" for judging any investment or revenue history. Input parameters: - `endValue` (number): Ending value - `startValue` (number): Starting value - `years` (number): Years ### `roi` (~95 tokens) ROI Calculator Return on investment, simple and annualized — comparable numbers instead of raw bragging. Simple ROI from cost and final value, annualized when you give it a time period — because "we doubled our money" means something completely different over 2 years versus 12. Input parameters: - `cost` (number): Total invested - `finalValue` (number): Final value (or total returned) - `years` (number): Holding period (yr) ### `vat` (~135 tokens) VAT Calculator Add or remove VAT at any rate — including the divide-not-subtract trap. Adds VAT to a net price or extracts it from a gross price at any rate. The extraction direction is where invoices go wrong: removing 20% VAT means dividing by 1.2, not subtracting 20%. Input parameters: - `amount` (number): Amount - `mode` (string): Direction - `rate` (number): VAT rate (%) UK 20 · DE 19 · FR 20 · ES 21 · IT 22 · NL 21 · SE 25 · CH 8.1 · AE/SA 5/15 ### `gst` (~113 tokens) GST Calculator Add or extract GST — India slabs (5/12/18/28), Australia/NZ/Singapore/Canada rates. GST both directions — exclusive to inclusive and back — with the Indian slab structure (5/12/18/28%) and the single-rate systems (Australia 10%, New Zealand 15%, Singapore 9%, Canada 5% federal) built into the rate picker. Input parameters: - `amount` (number): Amount - `mode` (string): Direction - `rate` (string): GST rate ### `freelance_rate` (~187 tokens) Freelance Rate Calculator The hourly rate that actually pays your target income — after unbillable time, overhead, and tax. Works backward from target income to the rate you must charge: subtracting non-billable time, business overhead, time off, and the self-employment tax gap that makes a freelance hour worth less than an employed one. Input parameters: - `billableHours` (number): Billable hours / week Realistic for full-time freelancing: 20-30. Sales, admin, and email are not billable. - `overhead` (number): Business costs / year Software, equipment, insurance, coworking, accounting. - `targetIncome` (number): Target annual take-home - `taxBuffer` (number): Tax & contributions buffer (%) Income tax + self-employment/social contributions on profit. - `weeksOff` (number): Weeks off / year Vacation + sick + dry spells between clients. ## Diagnostics Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/tools-xearno-calculators/xearno#diagnostics ## Score history - 2026-08-03: 63 - 2026-08-02: 63 - 2026-08-01: 62 - 2026-07-31: 62 - 2026-07-30: 61 - 2026-07-29: 58 - 2026-07-28: 58 - 2026-07-27: 57 - 2026-07-26: 57 ## Links - Remote endpoint: https://xearno.tools/mcp - Website: https://xearno.tools/agents - Changelog RSS feed: https://verifymcp.io/servers/tools-xearno-calculators/xearno/changelog.xml - Changelog JSON feed: https://verifymcp.io/servers/tools-xearno-calculators/xearno/changelog.json - HTML version of this page: https://verifymcp.io/servers/tools-xearno-calculators/xearno