Money, tax & business calculators kept current with 2026 rules — plus operator insights.
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https://xearno.tools/mcp72 tools · 1552msincome_taxPersonal 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, taiwan, south-korea, vietnam, thailand, indonesia, malaysia, spain, it…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, taiwan, south-korea, vietnam, thailand, indonesia, malaysia, spain, it…
| Parameter | Type | Description |
|---|---|---|
| country* | string | Country key |
| annualIncome* | number | Annual gross income in the country's local currency |
| deduction | number | Deductions (optional; defaults to the country's standard deduction/allowance) |
us_aca_subsidy_cliffWhere 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 slidin…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 slidin…
| Parameter | Type | Description |
|---|---|---|
| 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… |
| 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… |
| state | string | Which state Alaska and Hawaii have higher federal poverty guidelines, which shifts every threshold up. |
| 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… |
| 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… |
us_student_loan_rap_vs_ibrYour 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 has…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 has…
| Parameter | Type | Description |
|---|---|---|
| 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 l… |
| 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. |
| agi | number | Adjusted gross income (AGI) From your latest federal return. Married filing jointly: combined AGI of both spouses. Married filing separately: yours only. |
| familySize | number | Family size You + spouse + dependents — sets the poverty-guideline deduction in IBR. |
| 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. |
| state | string | Where do you live? Alaska and Hawaii have higher poverty guidelines, which lowers IBR payments. |
| balance | number | Total loan balance Outstanding principal. Sets the standard-plan comparator, the IBR payment cap, and the interest math. |
| rate | number | Average interest rate (%) Weighted average across your loans. |
| 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 qualify… |
uk_statutory_redundancy_payHow much redundancy pay you’re owed — from your age, your years of service and your weekly pay, on the 2026 limits. Redundancy pay in the UK has a formula, and it is stranger than most people expect. Your years of service are weighted by how old you were during each of them — a year past 41 is wort…How much redundancy pay you’re owed — from your age, your years of service and your weekly pay, on the 2026 limits. Redundancy pay in the UK has a formula, and it is stranger than most people expect. Your years of service are weighted by how old you were during each of them — a year past 41 is wort…
| Parameter | Type | Description |
|---|---|---|
| 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 t… |
| 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 rec… |
| 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 s… |
| 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… |
| nation | string | Where do you work? Northern Ireland sets its own limits — currently HIGHER than Great Britain’s: £783 weekly, £23,490 maximum. |
uk_notice_payHow many weeks’ notice you’re owed, what it pays, and how much of it is taxed. Your employer owes you notice when they end your job: one week if you have been there under two years, then one week for every full year, up to twelve. This works out your weeks and what they pay — and then the part peop…How many weeks’ notice you’re owed, what it pays, and how much of it is taxed. Your employer owes you notice when they end your job: one week if you have been there under two years, then one week for every full year, up to twelve. This works out your weeks and what they pay — and then the part peop…
| Parameter | Type | Description |
|---|---|---|
| situation | string | How is your notice being handled? The decisive input: it changes both the amount and the tax. Paid in lieu is taxed as earnings with no £30,000 shelter. The in… |
| years | number | Complete years worked there Full years of continuous employment. Part years do not add a week — at 4 years 11 months you get 4 weeks, not 5. |
| weeklyPay | number | Your weekly pay before tax (£) Gross, before tax. Monthly salary ÷ 4.333 if that is easier. |
| contractWeeks | number | Notice in your contract (weeks, if longer) Leave 0 to use the statutory minimum. Many contracts say one or three months — that is 4.3 or 13 weeks, and the long… |
| nation | string | Where you work Notice periods are the same everywhere in the UK. Only the insolvency weekly cap differs: £751 in Great Britain, £783 in Northern Ireland. |
| benefits | number | Benefits you got (or could have got) during notice (£ total) Insolvency claims only. Universal Credit or Jobseeker’s Allowance for the notice period is deducte… |
| taxRate | string | Your income tax rate Used to estimate the tax on your notice pay. National Insurance comes off on top of this and is not included in the estimate. |
netherlands_30_percent_rulingWhether you qualify for the Dutch 30% ruling, how much of your salary comes tax-free, and what changes when it drops to 27%. Whether the Dutch 30% ruling is worth 30% to you or 27% depends on one thing: the year it was first granted. Granted in 2023 or earlier and it stays at 30%, on the old salary…Whether you qualify for the Dutch 30% ruling, how much of your salary comes tax-free, and what changes when it drops to 27%. Whether the Dutch 30% ruling is worth 30% to you or 27% depends on one thing: the year it was first granted. Granted in 2023 or earlier and it stays at 30%, on the old salary…
| Parameter | Type | Description |
|---|---|---|
| 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… |
| 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… |
| 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. |
| 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… |
| 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 duratio… |
| year | string | Computation year The rate (30% → 27%) and the salary norms change at the 2026/2027 boundary — differently per cohort. |
portugal_ifici_nhr_checkerWhether 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 ye…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 ye…
| Parameter | Type | Description |
|---|---|---|
| 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 i… |
| 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 unde… |
| 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.… |
| 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 re… |
| 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 ra… |
| 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… |
thailand_social_securityYour 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 worke…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 worke…
| Parameter | Type | Description |
|---|---|---|
| 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. |
| monthlyWage | number | Monthly wage (฿) Gross monthly wage — used for Section 33 only. Contributions apply between the ฿1,650 floor and the year’s ceiling. |
| 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. |
| s40option | string | Section 40 option Only used for Section 40. Higher options buy more benefit branches. |
uk_statutory_residence_testWhether 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 c…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 c…
| Parameter | Type | Description |
|---|---|---|
| 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… |
| 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… |
| 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 h… |
| 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… |
| 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 workda… |
| 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 chil… |
| 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 h… |
| 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. |
| tie90Day | string | 90-day tie You spent more than 90 days in the UK in either (or both) of the 2 previous tax years. |
| 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. IGNOR… |
| 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 matter… |
us_substantial_presence_testWhether 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…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…
| Parameter | Type | Description |
|---|---|---|
| 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 stud… |
| 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, teach… |
| 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-commute… |
| 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… |
| daysPrior2 | number | Days in the US in the 2nd preceding year The calendar year before that, weighted at one-sixth. |
| 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 nonresi… |
ny_statutory_residence_checkerWhether 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 pl…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 pl…
| Parameter | Type | Description |
|---|---|---|
| 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 e… |
| 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… |
| 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 thro… |
| 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. |
| 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. |
| armedForces | string | Active-duty US armed forces? Active-duty members of the US armed forces are statutorily excluded from the day-count prong. |
uk_stamp_duty_sdltWhat stamp duty you’ll pay on a house in England or Northern Ireland — including first-time buyer relief and the extra on a second home. Stamp duty is not one number attached to a price. Four things can apply at once: the standard bands, first-time buyer relief that takes you to nothing below £300,…What stamp duty you’ll pay on a house in England or Northern Ireland — including first-time buyer relief and the extra on a second home. Stamp duty is not one number attached to a price. Four things can apply at once: the standard bands, first-time buyer relief that takes you to nothing below £300,…
| Parameter | Type | Description |
|---|---|---|
| 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-… |
| 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… |
| price | number | Purchase price (£) The chargeable consideration — normally the agreed purchase price of the property. |
singapore_property_stamp_dutyBuyer’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 c…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 c…
| Parameter | Type | Description |
|---|---|---|
| mode | string | Buying or selling? |
| 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);… |
| 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 propert… |
| 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. |
| 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 — n… |
| 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) — n… |
| acqMonth | number | Acquisition month Selling-mode only. 1–12. |
| saleYear | number | Sale year Selling-mode only. The year you (will) contract to sell. |
| saleMonth | number | Sale month Selling-mode only. 1–12. |
us_raise_benefits_cliffWhat 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…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…
| Parameter | Type | Description |
|---|---|---|
| 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… |
| 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 w… |
| filing | string | Filing status Married filing jointly assumes a 2-adult household; single and head-of-household assume 1 adult. |
| kids | number | Qualifying children (under 17) Sets CTC ($2,200 each), the EITC schedule, and household size for SNAP/Medicaid. |
| income | number | Current annual earned income (household) Gross W-2 wages for the household before tax. This model treats all income as earned. |
| 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. |
| 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… |
income_tax_hong_kongWhat your Hong Kong salary actually costs you in tax this year, after allowances — and whether the standard rate caps the bill. Hong Kong does not tax salaries with a bracket table. It runs two calculations and charges you the lower one: progressive rates of 2% to 17% on what remains after your all…What your Hong Kong salary actually costs you in tax this year, after allowances — and whether the standard rate caps the bill. Hong Kong does not tax salaries with a bracket table. It runs two calculations and charges you the lower one: progressive rates of 2% to 17% on what remains after your all…
| Parameter | Type | Description |
|---|---|---|
| year | string | Year of assessment Allowances rose in 2026/27 (basic HK$132,000 → HK$145,000). The one-off reduction for 2026/27 has not been announced yet, so it is treated a… |
| income | number | Annual income (HK$) Total assessable income for the year — salary, bonus, commission, and the rental value of any employer-provided housing. |
| status | string | Assessment basis The decisive input. Joint assessment doubles the basic allowance, which raises the income at which the standard rate takes over — the crossove… |
| children | number | Children claimed HK$140,000 each for 2026/27 (HK$130,000 for 2025/26), for up to nine children. The extra year-of-birth allowance is not modelled. |
| parents | number | Dependent parents/grandparents aged 60+ HK$55,000 each for 2026/27 (HK$50,000 for 2025/26). The 55–59 band is half and is not modelled here. |
| parentsLiveWith | string | Do those parents live with you? Living with you the whole year doubles the dependent-parent allowance. Easy to miss, and worth HK$55,000 of allowance per paren… |
| mpf | number | MPF mandatory contributions (HK$) Deductible up to HK$18,000 a year. Employee mandatory contributions only — voluntary ones are not deductible under this cap. |
| otherDeductions | number | Other deductions (HK$) Self-education (max 100,000), home-loan interest (100,000, or 120,000 with a young child), domestic rent (same), elderly residential car… |
hong_kong_profits_taxHong Kong profits tax at 8.25%/16.5% for corporations or 7.5%/15% for unincorporated businesses, with the connected-entity election. Hong Kong does not simply charge every company 16.5%. An eligible corporation pays 8.25% on the first HK$2 million of assessable profits and 16.5% above; an eligible…Hong Kong profits tax at 8.25%/16.5% for corporations or 7.5%/15% for unincorporated businesses, with the connected-entity election. Hong Kong does not simply charge every company 16.5%. An eligible corporation pays 8.25% on the first HK$2 million of assessable profits and 16.5% above; an eligible…
| Parameter | Type | Description |
|---|---|---|
| profit | number | Assessable profits (HKD) Enter Hong Kong assessable profits after allowable deductions. Accounting profit, offshore-source questions and loss carry-forwards mu… |
| entityType | string | Entity type |
| tiered | string | Can this entity use the two-tiered rates? Only one connected entity may elect the two-tiered rates in the same year. Control generally means more than 50% of c… |
income_tax_singaporeYA 2026 Singapore tax for residents, non-resident employees, and non-resident directors — including personal reliefs. Singapore tax depends first on residency. Residents use progressive rates up to 24% after eligible personal reliefs; non-resident employees pay the higher of 15% of employment incom…YA 2026 Singapore tax for residents, non-resident employees, and non-resident directors — including personal reliefs. Singapore tax depends first on residency. Residents use progressive rates up to 24% after eligible personal reliefs; non-resident employees pay the higher of 15% of employment incom…
| Parameter | Type | Description |
|---|---|---|
| status | string | Tax status and income type Residents generally include citizens or PRs who reside in Singapore and foreigners meeting an IRAS residence test. The non-resident… |
| annualIncome | number | Annual taxable income before reliefs (SGD) |
| reliefs | number | Eligible personal reliefs (SGD) Resident only. Enter the total you qualify for, including earned-income and eligible CPF reliefs. IRAS caps total personal reli… |
income_tax_netherlands2026 Dutch Box 1 salary tax after the general tax credit and employment tax credit — the two amounts generic calculators miss. Dutch headline rates are not the final bill. For employees below AOW age, 2026 Box 1 rates include national insurance, then the algemene heffingskorting and arbeidskorting…2026 Dutch Box 1 salary tax after the general tax credit and employment tax credit — the two amounts generic calculators miss. Dutch headline rates are not the final bill. For employees below AOW age, 2026 Box 1 rates include national insurance, then the algemene heffingskorting and arbeidskorting…
| Parameter | Type | Description |
|---|---|---|
| annualIncome | number | Annual gross employment income (EUR) Salary and other employment income used for the arbeidskorting. This model is for someone below AOW age throughout 2026. |
china_severanceStatutory 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…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…
| Parameter | Type | Description |
|---|---|---|
| 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 ap… |
| 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 o… |
| serviceYears | number | Years of service |
| serviceMonths | number | …plus months The trailing part-year: ≥6 months counts as a full year, under 6 months as half a month’s pay. |
| 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… |
| 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 e… |
china_retirement_pensionYour 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 es…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 es…
| Parameter | Type | Description |
|---|---|---|
| birthYear | number | Birth year Gregorian year, e.g. 1980. |
| birthMonth | number | Birth month The reform buckets by birth month, so this changes the answer. |
| 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… |
| 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 ba… |
| 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. |
| 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 “proje… |
| 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… |
| 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. |
| 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 retireme… |
| 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. |
| 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… |
| 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 bas… |
australia_hecs_help_repaymentYour 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…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 $67,000, then 15% and 17% slices, then a…
| Parameter | Type | Description |
|---|---|---|
| incomeYear | string | Income year Thresholds are indexed to average weekly earnings each year, so the year changes the answer. |
| repaymentIncome | number | ATO repayment income ($) NOT your salary. ATO “repayment income” = taxable income (excluding assessable FHSS released amounts) + reportable fringe benefits + t… |
| 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 n… |
| 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… |
uk_capital_gains_taxCapital 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…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…
| Parameter | Type | Description |
|---|---|---|
| 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. Mai… |
| 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… |
| 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. |
| 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… |
| 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. |
| 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 l… |
india_gratuityStatutory 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 lo…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 lo…
| Parameter | Type | Description |
|---|---|---|
| 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. Und… |
| 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 a… |
| totalRemuneration | number | Total monthly remuneration Everything monthly: basic, DA, HRA, allowances, employer PF contribution, statutory bonus — but not gratuity or ESI (per the MoLE FA… |
| serviceYears | number | Completed years of service Whole completed years of continuous service. Put the leftover months in the next field. |
| 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. |
| exitReason | string | Why is employment ending? Death or disablement waives the qualifying-service requirement entirely; the formula is otherwise the same. |
creator_platform_payoutWhat 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 m…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 m…
| Parameter | Type | Description |
|---|---|---|
| platform | string | Platform Each platform has a completely different fee structure — this decides everything below. |
| 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). Fo… |
| 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 lice… |
| 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 sub… |
| 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 permanent… |
| 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… |
us_freelance_vs_employeeThe 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…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…
| Parameter | Type | Description |
|---|---|---|
| salary | number | The W-2 salary to match Annual gross salary of the job you have or are comparing against. |
| filing | string | Filing status |
| 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 cov… |
| 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 singl… |
| 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 (… |
| hoursPerWeek | number | Hours worked per week (freelance) |
| 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 practic… |
| 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_taxesHow 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…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…
| Parameter | Type | Description |
|---|---|---|
| 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… |
| 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 withholdi… |
| 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… |
| filing | string | Filing status |
| 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 > $1… |
| 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. |
uk_first_year_self_assessmentYour 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…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…
| Parameter | Type | Description |
|---|---|---|
| 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). |
| 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. Returni… |
| 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 bec… |
| 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 towa… |
singapore_platform_worker_cpfYour 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 o…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 o…
| Parameter | Type | Description |
|---|---|---|
| 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… |
| 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… |
| 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. |
| 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 sched… |
| grossMonthly | number | Gross platform earnings per month (S$) Fares and fees as paid out by the platform, before the fixed expense deduction. Per operator. |
| 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 motorc… |
compound_growthWhat 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 assumption…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 assumption…
| Parameter | Type | Description |
|---|---|---|
| principal | number | Starting amount |
| monthly | number | Monthly contribution |
| rate | number | Annual return (%) Nominal annual return. 7% is a common long-run equity assumption. |
| years | number | Years (yr) |
savings_goalThe 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.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.
| Parameter | Type | Description |
|---|---|---|
| goal | number | Target amount |
| current | number | Already saved |
| years | number | Years to goal (yr) |
| rate | number | Annual return (%) Use a conservative rate for short horizons. |
loan_paymentMonthly 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.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.
| Parameter | Type | Description |
|---|---|---|
| amount | number | Loan amount |
| rate | number | Annual interest rate (%) |
| years | number | Term (yr) |
fire_numberThe 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.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.
| Parameter | Type | Description |
|---|---|---|
| expenses | number | Annual spending |
| swr | number | Withdrawal rate (%) The classic "4% rule". Lower is safer. |
| current | number | Current portfolio |
| monthly | number | Monthly investing |
| rate | number | Expected annual return (%) |
split_billEven 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.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.
| Parameter | Type | Description |
|---|---|---|
| total | number | Bill total |
| people | number | People |
| tip | number | Tip (%) |
unit_priceWhich package is actually cheaper per unit. Compares two package options by price per unit and quantifies the savings — the supermarket-shelf math, done honestly.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.
| Parameter | Type | Description |
|---|---|---|
| priceA | number | Option A price |
| qtyA | number | Option A quantity Any unit — grams, sheets, count — as long as both options use the same one. |
| priceB | number | Option B price |
| qtyB | number | Option B quantity |
true_hourly_wageWhat 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 t…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 t…
| Parameter | Type | Description |
|---|---|---|
| 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. |
| 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 $… |
| 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. |
| minWage | number | Local minimum wage The benchmark an employer would legally have to beat. US federal is $7.25; many states/cities are $15+. |
steady_paycheckTurn 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…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…
| Parameter | Type | Description |
|---|---|---|
| incomes | array | Monthly income, most recent months Comma-separated, 3–24 months, any order. More months = a truer picture. |
| essentials | number | Essential monthly costs Rent, food, utilities, insurance, minimum debt payments — the must-pays. |
| buffer | number | Cash buffer today What’s in the account that smooths the gaps. Leave 0 if none yet. |
quit_runwayHow 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. Ans…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. Ans…
| Parameter | Type | Description |
|---|---|---|
| savings | number | Savings you can spend Liquid only — not retirement accounts you’d pay penalties to touch. |
| 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. |
| sideIncome | number | Monthly income that continues Freelance, side project, partner contribution to your share — income that survives the quit. |
| growthPct | number | That income’s growth / month (%) How fast the new thing is growing, from evidence so far. 0 = flat. |
china_income_tax_salaryYour 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 o…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 o…
| Parameter | Type | Description |
|---|---|---|
| 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), housin… |
china_social_insuranceHow much 五险一金 comes out of a China salary each month, and what it costs the employer on top. 五险一金 is not a percentage of this month’s pay, which is the assumption almost every calculator makes. Contributions are charged on a contribution base — your average monthly wage across the previous year — a…How much 五险一金 comes out of a China salary each month, and what it costs the employer on top. 五险一金 is not a percentage of this month’s pay, which is the assumption almost every calculator makes. Contributions are charged on a contribution base — your average monthly wage across the previous year — a…
| Parameter | Type | Description |
|---|---|---|
| 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… |
| 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 o… |
| baseFloor | number | Base floor 下限 override (optional) Leave 0 to use your city’s floor. Override for a city not listed. |
| baseCeiling | number | Base ceiling 上限 override (optional) Leave 0 to use your city’s ceiling. Salary above the ceiling is not charged. |
| 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. |
| housingFundRate | number | Housing fund rate 公积金 (each side) (%) Employer-chosen 5–12%, matched by the employee. Shanghai caps at 7%. |
uk_redundancy_packageRedundancy pay, notice and untaken holiday together — and which parts of it the £30,000 exemption does not cover. Being made redundant pays you three different things, taxed three different ways, and the letter usually quotes only the first. Statutory redundancy pay is tax-free, and shares a £30,00…Redundancy pay, notice and untaken holiday together — and which parts of it the £30,000 exemption does not cover. Being made redundant pays you three different things, taxed three different ways, and the letter usually quotes only the first. Statutory redundancy pay is tax-free, and shares a £30,00…
| Parameter | Type | Description |
|---|---|---|
| age | number | Your age when the job ends |
| serviceYears | number | Complete years of service Only full years count for redundancy pay. Under 2 years there is no statutory redundancy — but notice and holiday are still owed. |
| weeklyPay | number | Gross weekly pay (£) |
| holidayDays | number | Untaken holiday days owed |
| noticeTreatment | string | How is your notice being handled? Both are taxed as earnings. Since the 2018 PENP rules, calling a payment "compensation" no longer makes notice tax-free. |
| exGratia | number | Employer top-up above the statutory minimum (£) An enhanced or ex-gratia payment. Shares the £30,000 exemption with your statutory redundancy pay. |
| taxRate | string | Your marginal income tax rate A large payout can push you into a higher band for the year; this applies one rate to the taxable part. |
| niRate | string | Your National Insurance rate NI is due on notice and holiday pay, never on the termination payment — a different boundary from income tax. |
| nation | string | Where do you work? Northern Ireland sets its own, higher statutory limits: £783 a week and £23,490 maximum. |
us_estate_tax_exemptionWhether 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-schedul…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 $15,000,000 basic exclusion per person, made PERMANENT by OBBBA §70106 — the long-schedul…
| Parameter | Type | Description |
|---|---|---|
| estateValue | number | Gross estate value ($) Everything you own at death — real estate, investments, retirement accounts, business interests, life-insurance proceeds you own. Use to… |
| 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… |
| dsueAmount | number | DSUE amount from deceased spouse ($) The unused exclusion ported from your deceased spouse (from their Form 706). Only applies with the “surviving spouse with… |
| lifetimeGiftsUsed | number | Lifetime taxable gifts already made ($) Cumulative gifts above the annual exclusion ($19,000/recipient in 2026) reported on gift-tax returns. These consume you… |
| 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 s… |
uk_car_tax_vedWhat you’ll pay to tax your car this year — the first-year bill on a new one, the £200 everyone pays after that, and the £440 surcharge on pricier cars. Car tax arrives as two very different bills. The first year is a one-off charge set by the car’s CO2, running from a few hundred pounds to over £5…What you’ll pay to tax your car this year — the first-year bill on a new one, the £200 everyone pays after that, and the £440 surcharge on pricier cars. Car tax arrives as two very different bills. The first year is a one-off charge set by the car’s CO2, running from a few hundred pounds to over £5…
| Parameter | Type | Description |
|---|---|---|
| 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,… |
| 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 diese… |
| 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. Ig… |
| 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.… |
| 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 "firs… |
mexico_vacaciones_aguinaldoYour 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…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…
| Parameter | Type | Description |
|---|---|---|
| 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 no… |
| 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 contribution… |
| 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 worke… |
saudi_end_of_serviceYour 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 mon…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 mon…
| Parameter | Type | Description |
|---|---|---|
| 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 resi… |
| 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… |
| 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_elterngeldYour 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…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…
| Parameter | Type | Description |
|---|---|---|
| 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)… |
| household | string | Household Only the pre-Apr-2024 cohort has different caps by household type. Single parents can claim all partner months themselves. |
| taxableIncome | number | Taxable income in the calendar year before birth (zu versteuerndes Einkommen) (€/yr) The household’s zu versteuerndes Einkommen per the Steuerbescheid — taxabl… |
| 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)… |
| 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… |
| 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, minim… |
| multiples | number | Children in this birth Twins = 2. Mehrlingszuschlag adds €300 per additional child of the same birth (€150 in Plus months). |
uk_child_benefit_chargeHow 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 10…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 10…
| Parameter | Type | Description |
|---|---|---|
| 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… |
| 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 pro… |
| 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… |
| children | number | Children you claim child benefit for Eldest child £27.05/week, each additional child £17.90/week (2026-27). |
uk_universal_credit_taperWhat 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 exactl…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 exactl…
| Parameter | Type | Description |
|---|---|---|
| household | string | Your household Sets the standard allowance — the base of your maximum UC award. Couples claim jointly and their earnings are combined. |
| 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… |
| 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 housin… |
| 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… |
| 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 mu… |
| 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 rea… |
uae_gratuityYour 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 da…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 da…
| Parameter | Type | Description |
|---|---|---|
| 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 Saud… |
| 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… |
| 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 mod… |
app_store_developer_feesWhat 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 restruc…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 restruc…
| Parameter | Type | Description |
|---|---|---|
| platform | string | Platform The three stores’ fee structures are not variations on one formula — they are structurally different. This decides everything below. |
| 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 marg… |
| 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 subscrip… |
| 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-commiss… |
| 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 w… |
| 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 fl… |
korea_parental_leave_benefitYour 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 cap…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 cap…
| Parameter | Type | Description |
|---|---|---|
| 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… |
| 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 w… |
| 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 p… |
france_conges_arret_maladieHow 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 (l…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 (l…
| Parameter | Type | Description |
|---|---|---|
| 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… |
| 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 cov… |
| 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… |
| 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) —… |
japan_childcare_leave_benefitYour 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 2026 – 31 Jul 2027. Computes Japanese childcare-leave benefits: the base 育児休業給付金 (67% of your daily wage for…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 2026 – 31 Jul 2027. Computes Japanese childcare-leave benefits: the base 育児休業給付金 (67% of your daily wage for…
| Parameter | Type | Description |
|---|---|---|
| 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 co… |
| 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 ÷… |
| 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… |
| 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… |
apr_to_apyNominal 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.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.
| Parameter | Type | Description |
|---|---|---|
| mode | string | Convert |
| rate | number | Rate (%) |
| periods | string | Compounding |
price_in_hoursWhat 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…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…
| Parameter | Type | Description |
|---|---|---|
| price | number | Price |
| cadence | string | How often |
| payMode | string | You earn |
| pay | number | Pay (gross) Hourly rate or annual salary, before tax — the next field nets it down. |
| takeHomePct | number | Take-home share (%) The share of gross you actually keep after tax and contributions. Typical full-time range: 65–85%. |
mortgageTrue 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 her…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 her…
| Parameter | Type | Description |
|---|---|---|
| market | string | Where are you buying? Private mortgage insurance is a US product. Most other markets price the same lender risk into the interest rate instead, so no separate… |
| price | number | Home price |
| downPct | number | Down payment (%) |
| rate | number | Interest rate (%) |
| years | number | Term (yr) |
| propertyTax | number | Property tax / year |
| insurance | number | Home insurance / year |
car_loanWhat a car actually costs you a month — priced for your market, where tax may or may not already be in the sticker. A car payment depends on something most calculators quietly assume: whether tax is added at purchase or already sitting in the advertised price. In the US, Canada and Japan it is adde…What a car actually costs you a month — priced for your market, where tax may or may not already be in the sticker. A car payment depends on something most calculators quietly assume: whether tax is added at purchase or already sitting in the advertised price. In the US, Canada and Japan it is adde…
| Parameter | Type | Description |
|---|---|---|
| market | string | Where are you buying? This is the input that decides whether the answer is right. Where tax is added at purchase (US, Canada, Japan) it is charged on top of th… |
| vehicleType | string | Petrol or new-energy vehicle? Only changes the answer in China, where new-energy vehicles pay half the purchase tax for 2026–2027, capped at a ¥15,000 reductio… |
| price | number | Vehicle price |
| down | number | Down payment |
| tradeIn | number | Trade-in / part-exchange value In most US states a trade-in reduces the amount you are taxed on. Where tax is already in the price it simply lowers what you bo… |
| salesTax | number | Sales tax / GST added at purchase (%) Only applies in tax-added markets. Ignored where the advertised price already includes VAT/GST. |
| rate | number | Interest rate (APR) (%) |
| months | number | Term (mo) |
emiLoan 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.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.
| Parameter | Type | Description |
|---|---|---|
| principal | number | Loan amount |
| rate | number | Interest rate (reducing balance) (%) |
| months | number | Tenure (mo) |
sipSystematic 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.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.
| Parameter | Type | Description |
|---|---|---|
| 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. |
| years | number | Years (yr) |
| stepUp | number | Annual step-up (%) Increase the monthly amount every year (e.g. 10% with salary raises). |
credit_card_payoffHow 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…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…
| Parameter | Type | Description |
|---|---|---|
| balance | number | Balance |
| apr | number | APR (%) |
| payment | number | Monthly payment |
home_affordabilityHow much house you can afford — on the rule your lender actually uses, which differs between the US and the UK. Two countries give entirely different answers on the same income. US lenders underwrite on debt-to-income ratios — 28% of gross income on housing, 36% on all debt — which cap the monthly…How much house you can afford — on the rule your lender actually uses, which differs between the US and the UK. Two countries give entirely different answers on the same income. US lenders underwrite on debt-to-income ratios — 28% of gross income on housing, 36% on all debt — which cap the monthly…
| Parameter | Type | Description |
|---|---|---|
| method | string | How does your lender decide? US lenders underwrite on two debt-to-income ratios. UK and Australian lenders cap the loan at a multiple of income (about 4.5×) an… |
| income | number | Gross annual income |
| monthlyDebts | number | Existing monthly debt payments Car loans, student loans, card minimums — not rent or utilities. |
| down | number | Down payment saved |
| rate | number | Mortgage rate (%) |
| years | number | Term (yr) |
currencyConvert 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…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…
| Parameter | Type | Description |
|---|---|---|
| amount | number | Amount |
| from | string | From |
| to | string | To |
unit_economicsLTV, 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).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).
| Parameter | Type | Description |
|---|---|---|
| arpu | number | Revenue per customer / month Average monthly revenue per active customer (ARPU). |
| grossMargin | number | Gross margin (%) |
| churn | number | Monthly customer churn (%) Share of customers lost per month. |
| cac | number | Customer acquisition cost Fully-loaded sales + marketing cost per new customer. |
break_evenUnits 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.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.
| Parameter | Type | Description |
|---|---|---|
| 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. |
| currentUnits | number | Current monthly units Optional — adds margin-of-safety analysis. |
runwayHow 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.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.
| Parameter | Type | Description |
|---|---|---|
| cash | number | Cash in bank |
| 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. |
npv_irrIs 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.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.
| Parameter | Type | Description |
|---|---|---|
| rate | number | Discount rate (%) Your hurdle rate / cost of capital. |
| cashflows | array | Cashflows by year Year 0 first (usually negative), then one value per year. Comma-separated. |
pricing_marginMargin 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.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.
| Parameter | Type | Description |
|---|---|---|
| cost | number | Unit cost |
| price | number | Selling price |
| discount | number | Planned discount (%) |
market_sizeBottom-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.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.
| Parameter | Type | Description |
|---|---|---|
| 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. |
cagrCompound 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.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.
| Parameter | Type | Description |
|---|---|---|
| startValue | number | Starting value |
| endValue | number | Ending value |
| years | number | Years |
roiReturn 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.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.
| Parameter | Type | Description |
|---|---|---|
| cost | number | Total invested |
| finalValue | number | Final value (or total returned) |
| years | number | Holding period (yr) |
vatAdd 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%.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%.
| Parameter | Type | Description |
|---|---|---|
| mode | string | Direction |
| amount | number | Amount |
| 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 |
gstAdd 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…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…
| Parameter | Type | Description |
|---|---|---|
| mode | string | Direction |
| amount | number | Amount |
| rate | string | GST rate |
freelance_rateThe 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…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…
| Parameter | Type | Description |
|---|---|---|
| targetIncome | number | Target annual take-home |
| billableHours | number | Billable hours / week Realistic for full-time freelancing: 20-30. Sales, admin, and email are not billable. |
| weeksOff | number | Weeks off / year Vacation + sick + dry spells between clients. |
| overhead | number | Business costs / year Software, equipment, insurance, coworking, accounting. |
| taxBuffer | number | Tax & contributions buffer (%) Income tax + self-employment/social contributions on profit. |
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