Xearno Tools

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, italy, portugal, brazil, mexico, argentina.

Where your 2026 marketplace subsidy sits against the restored 400%-of-poverty cliff — and the clawback risk if income crosses it. For 2026 the enhanced ACA premium tax credits have expired, and the pre-2021 structure is back: below 400% of the federal poverty line your premium is capped at a sliding share of income; one dollar above 400% and the subsidy drops to zero. This tool places your household on that curve — your FPL percentage, your expected contribution, your estimated monthly subsidy, and exactly where the cliff falls in dollars. It also flags the 2026 change most people miss: the cap on repaying advance credits was repealed, so if your year-end income lands over 400% you repay every advance dollar with no limit. The decisive input is your FULL-YEAR 2026 MAGI, reconciled at filing — not the estimate you gave at enrollment.

Your monthly payment and forgiveness timeline under RAP vs IBR — the choice SAVE borrowers are being forced to make. SAVE is dead (vacated, then repealed by the July 2025 law) and the Repayment Assistance Plan (RAP) went live 1 July 2026; PAYE, ICR, and SAVE all end 1 July 2028, when anyone who hasn’t picked is auto-enrolled in RAP. This tool computes your monthly payment under RAP (a %-of-AGI cliff schedule) and IBR (15% or 10% of discretionary income depending on when your first loan was disbursed), the forgiveness horizon for each (30 vs 25/20 years — and 10 tax-free years on PSLF), and the traps: RAP’s payment cliffs at every $10k of AGI, Parent PLUS exclusion, and the new default Tiered Standard plan not counting toward PSLF. General AI still recommends the dead SAVE plan and calls IDR forgiveness tax-free — the ARPA tax exclusion expired 31 Dec 2025.

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 worth a week and a half’s pay, a year in your twenties or thirties is worth one, a year before 22 is worth half. Only your last twenty count. And the weekly pay that feeds the formula is capped at £751 however much you actually earn, with £22,530 the ceiling on the whole payment. That cap moves every April, which is why a general-purpose AI will usually quote you last year’s. The age-weighting runs backwards from your leaving date and drops any year straddling a birthday into the lower band — a small fiddly rule, easy to state and easy to get wrong. Northern Ireland sets its own higher limits; those are here too.

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 people get wrong. Notice pay is not covered by the £30,000 tax-free allowance that shelters redundancy pay; if it is paid in lieu it is taxed as normal earnings. And if your employer has gone bust and the state pays instead, the amount is capped at £751 a week and reduced by benefits you claimed — or could have claimed, even if you never applied.

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 threshold, for its whole term. Granted in 2024 and it falls to 27% in 2027 but keeps that old threshold. Granted from 2025 and it is 27% on the higher threshold from the start. General-purpose AI collapses all of this into “it’s 30%” or “it’s being scrapped”, and for most people both are wrong. The questions that actually decide it are narrow — when your ruling started, whether you lived more than 150km from the Dutch border before you moved, and how many months you had already spent in the country — and this asks them, then works out what comes to you tax-free.

Whether you qualify for Portugal’s IFICI — the activity-gated successor to the NHR regime that closed in 2024. Checks your eligibility for Portugal’s IFICI (Incentivo Fiscal à Investigação Científica e Inovação, widely called "NHR 2.0"): 20% flat tax on eligible-activity Portuguese income for 10 years, with most foreign income exempt. The old NHR closed to new entrants on 1 Jan 2024, yet general AI still tells people to "apply for NHR" and quotes its 10% foreign-pension rate — gone: IFICI taxes foreign pensions at full progressive rates. The real gate is an activity test across six routes with route-specific certifying entities (FCT, AT, ANI, Startup Portugal, AICEP) — this tool walks the gates in order and names the route, the certifier, and the registration deadline.

Your monthly SSO contribution under the 2026 ceiling rise — the ฿15,000 cap stood for 30 years, so the old ฿750 answer is everywhere and wrong. Computes your Thai Social Security Office (SSO) contribution for Section 33 (employees), Section 39 (voluntary ex-employees), or Section 40 (informal workers). The Section 33 wage ceiling was frozen at ฿15,000/month from 1995 until the Royal Gazette announcement of 12 Dec 2025 raised it to ฿17,500 from 1 Jan 2026 — so the maximum employee contribution jumps from ฿750 to ฿875, with further phases to ฿20,000 (2029) and ฿23,000 (2032). Thirty years of the old number mean general AI and much of the Thai web still answer ฿750; this tool uses the phased schedule, and knows §39 stays on its frozen ฿4,800 base.

Whether you are UK tax resident this year — the full statutory test, not the 183-day myth. Runs the full UK Statutory Residence Test (FA 2013 Sch 45): automatic overseas tests, automatic UK tests, then the sufficient-ties tables. The 183-day figure everyone (and general AI) anchors on is only the ceiling — a leaver with 3 UK ties is resident at just 46 days, and at 121 days a single tie is enough. The input that decides which table applies — were you UK-resident in any of the 3 prior tax years — is the one users never volunteer, so this tool leads with it. Includes the deeming rule for non-midnight days, which AI answers routinely miss.

Whether your US days make you a tax resident — the weighted 3-year formula where 122 days a year is enough, and student-visa days may not count at all. Determines US tax residency under the Substantial Presence Test (IRC §7701(b)): 31+ days this year AND a weighted total ≥ 183, counting this year’s days in full, last year’s at one-third, and the year before at one-sixth. The popular "stay under 183 days" rule is wrong — a steady 122 days every year triggers residency. The inputs that actually decide the answer are the ones people don’t know matter: visa status (F/J/M/Q student and J/Q teacher days can be excluded entirely — or suddenly start counting), prior-year day counts, and whether the closer connection exception (Form 8840) is still open — it closes at 183 actual days, and a pending green-card application bars it.

Whether New York can tax you as a resident under the two-prong statutory test — the abode gate people miss, plus the 183-day count where any part of a day counts. For taxpayers NOT domiciled in New York: applies the deterministic statutory-residence test of NY Tax Law §605(b)(1)(B) — a permanent place of abode maintained for substantially all of the year AND more than 183 days of presence — plus the separate New York City test. General AI compresses this to "183 days = resident" and misses both gates: without a permanent place of abode, 300 days in NY doesn't make you a statutory resident, and with one, day 184 does — where a 20-minute stop in the state counts as a full day. Domicile (whether New York is your true home) is a separate facts-and-circumstances battle this tool does not decide.

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 £300,000, a 5% surcharge that lands on the whole purchase price rather than just the top slice if this is a second home or a buy-to-let, and another 2% if you are buying from abroad. They stack. Two of those changed recently — the bands went back up on 1 April 2025 and the second-home surcharge rose from 3% to 5% in October 2024 — so a general-purpose AI will often hand you a number that was right eighteen months ago and is now thousands of pounds out. Scotland and Wales charge different taxes altogether, LBTT and LTT, and are not covered here.

Buyer’s, Additional Buyer’s, and Seller’s Stamp Duty at the current IRAS rates — including the 60% foreigner ABSD and the 2025 four-year SSD. Computes Singapore residential stamp duty at the rates actually in force: BSD on the marginal bands up to 6%, ABSD by your exact buyer profile and property count (foreigners pay a flat 60% since 27 Apr 2023 — double what most AI models still quote), and SSD by your acquisition-date cohort (purchases on/after 4 Jul 2025 are on a new 16/12/8/4 four-year schedule). The inputs that swing the answer are ones buyers rarely know matter: the citizenship tier (a US citizen gets Singapore Citizen treatment under the FTA; a US green-card holder does not), how many residential properties you already hold (any fractional interest counts in full), and for joint purchases, the co-buyer whose rate governs the entire price.

What a raise really adds after EITC, CTC, SNAP, Medicaid, and ACA subsidies move against it — the effective marginal rate no single program shows. For working households on any support program, a raise triggers five simultaneous countercurrents: federal tax and FICA go up, EITC phases out (up to 21¢ per dollar), SNAP tapers (30¢ per net dollar), Medicaid ends abruptly at 138% of the poverty line, and — new for 2026 — the ACA subsidy cliff at 400% FPL is back after the enhanced credits expired 31 Dec 2025. Stacked, effective marginal rates in the $25k–$45k band routinely exceed 60–80%. This tool computes your household’s net resources before and after a raise using the verified 2026 parameter tables, and names each cliff the raise crosses. The decisive inputs are ones most people don’t know matter: whether your state expanded Medicaid, and whether it raised the SNAP gross-income limit.

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 allowances, or a flat standard rate on your income before any allowances at all — 15% on the first HK$5,000,000, 16% above it. Which one wins turns entirely on your allowances, so a married taxpayer with children crosses over at a far higher salary than someone single. Most calculators model only the progressive scale, and so does most AI, which is why both overstate the bill for higher earners, sometimes by a lot. This runs both, shows you which one binds and by how much, and takes off the year’s one-off reduction at the end.

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 sole proprietorship or partnership pays 7.5% and 15%. But only one connected entity can elect the two-tiered rates for a year. This calculator makes that hidden eligibility branch explicit and shows the saving against the full rate.

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 income or the resident-rate calculation, while non-resident directors and most other non-resident income are taxed at 24%. This calculator runs the correct branch instead of silently assuming everyone is resident.

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 reduce the tax substantially before phasing out as income rises. This salary-only calculator shows the tax before credits, each credit, the final amount, and take-home pay.

Statutory severance under China’s Labour Contract Law — the N / N+1 / 2N branch and the 3×-average-wage cap, done right. Computes statutory economic compensation (经济补偿金) on leaving a job in China: the base N (one month per year of service, with the ≥6-month rounding), whether it becomes N+1 (pay in lieu of notice) or 2N (unlawful termination), and the two caps that switch on together for high earners — the base capped at 3× the local average wage and years capped at 12. The termination reason is the input that flips the answer, so it is the first question.

Your exact retirement date under China’s 2025 delayed-retirement reform, plus an estimated monthly pension. Computes your statutory retirement age and date under China’s 2025 progressive delayed-retirement reform (渐进式延迟法定退休年龄) — which staggers the age by birth month, gender, and job track — then estimates your monthly pension (基础养老金 + 个人账户养老金). The reform is under two years old, so general AI still quotes the old 60/55/50 ages; this uses the official cohort tables.

Your compulsory HELP repayment under the new marginal system, what indexation adds each 1 June, and how the 20% cut and old rules compare. Computes your compulsory HECS-HELP repayment under Australia’s reformed 2025-26 system — a marginal calculation (nil to $67,000, then 15% and 17% slices, then a flat 10% of total income at the top) that replaced the old flat-percentage-of-entire-income scale. Three reforms landed within a year (the marginal flip, indexation recut to the lower of CPI/WPI backdated to 2023, and a one-off 20% balance cut in July 2025), so general AI still computes the old system on the old thresholds. The tool also names the input people get wrong: ATO “repayment income” is not your salary — reportable super contributions and net investment losses are added back.

Capital Gains Tax on shares, crypto, property, or a business sale — current £3,000 allowance, the 18%/24% rate split driven by your income, and the BADR 14% → 18% ramp. Computes UK Capital Gains Tax on a disposal using the current rules: the £3,000 annual exempt amount, the 18%/24% rates that have applied to ALL assets since 30 October 2024, the income-stacking rule that decides how much of the gain falls at 18% vs 24%, and Business Asset Disposal Relief with its stepping rate (14% in 2025-26, 18% from 6 April 2026) and £1 million lifetime limit. General AI reliably gets this wrong three ways at once — quoting the abolished £12,300 allowance, the dead 10%/20% share rates, and a BADR rate from the wrong year — and answers without asking for your taxable income, the input that actually sets the rate.

Statutory gratuity under the new Labour Codes — the 50% wage floor and the 1-year fixed-term gate that the old answer misses. Computes statutory gratuity under India’s Code on Social Security 2020, in force since 21 Nov 2025 (general AI often still says the Labour Codes are pending). The formula looks unchanged — wages × 15/26 per year of service — but two decisive inputs are hidden: the §2(88) wage definition floors the gratuity base at 50% of total remuneration when basic + DA is kept low (most modern salary structures), and fixed-term employees now qualify after just 1 year instead of 5. Both can turn the “obvious” answer from wrong to right by lakhs.

What you actually net on YouTube, Twitch, Patreon, Substack, or OnlyFans — after the platform cut AND the processing layer nobody advertises. Computes a creator’s real monthly payout after every fee layer on five platforms. Platform fees drift constantly and general AI quotes stale ones — Patreon moved new creators to a flat 10% on 4 Aug 2025 (models still recite the old 5/8/12 tiers), Twitch restructured its split into Plus Points in 2024, OnlyFans changed its payout minimum in Apr 2026. And the advertised "platform cut" is never the whole story: payment processing adds 3–7 points on the subscription platforms, and the per-transaction fixed fee makes small pledges dramatically more expensive — a $3 Patreon pledge loses about 8% to processing alone, a $50 pledge about 3.5%. This tool computes the all-in take rate, which no advertised number states.

The 1099 rate that truly replaces a W-2 salary — solved from taxes, benefits, and billable reality, not a folk multiplier. Rules of thumb ("charge 1.5× your salary hourly") hide what actually changes when you go independent: you pay both halves of Social Security and Medicare, buy the whole health premium instead of the employee share, self-fund the 401(k) match, and bill far fewer hours than you work. One thing runs the other way — the §199A QBI deduction (made permanent in 2025) shelters about 20% of profit from income tax, and models routinely forget it. This tool solves for the 1099 gross at which your net-of-everything genuinely matches the W-2 job, then divides by the hours that realistically bill. All 2026 parameters verified on IRS primary sources; benefit defaults from the KFF 2025 employer survey.

How much you’ll owe on 2026 freelance income — SE tax, income tax, QBI — and the exact quarterly payment the safe-harbor rules actually require. The first-year freelancer’s tax planner. Computes your 2026 self-employment tax (both halves of Social Security and Medicare — including how W-2 wages eat the $184,500 wage base first), federal income tax with the QBI deduction, and then the number that matters: the quarterly estimated payment §6654 actually requires. That number usually does NOT depend on what you earn this year — the safe harbor is 100% of last year’s tax (110% if prior AGI topped $150k), and if you owed $0 last year, no estimated payments are required at all. General AI reliably misses these mechanics and quotes stale parameters; this uses the 2026 Form 1040-ES figures directly.

Your real first-January Self Assessment bill — the year’s tax PLUS 50% of next year’s, due the same day — with the exact dated payment schedule. Computes a UK sole trader’s 2025-26 Self Assessment bill (income tax stacked on top of any PAYE income, plus Class 4 National Insurance) and then the part general AI reliably misses: payments on account. First-time filers owe 150% of their bill on 31 January 2027 — the full year’s tax plus the first half of next year’s, in one payment, for income earned up to ~22 months earlier. The tool applies the exact boundary tests (POAs are waived when the bill is under £1,000 or when more than 80% of your tax was collected at source through PAYE), the post-April-2025 late-payment interest formula (Bank rate + 4%, currently 7.75% — models still quote the old + 2.5%), and flags whether Making Tax Digital’s quarterly reporting catches you from April 2026.

Your monthly CPF deduction and operator top-up as a ride-hail or delivery platform worker — by birth cohort, vehicle, and the 2025–2029 rate ramp. Computes platform-worker CPF under Singapore’s Platform Workers Act (in force 1 Jan 2025) — a regime new enough that general AI either doesn’t know it or garbles it. Three inputs users never think to volunteer decide everything: your BIRTH DATE (born on/after 1 Jan 1995 → increased contributions are mandatory; born before → voluntary via an irrevocable opt-in, otherwise MediSave-only), your VEHICLE (the 60/35/20% fixed expense deduction moves the CPF base by 3× for the same gross), and the YEAR (rates ramp every January to full employee parity in 2029). It also gets right what models confidently invert: no monthly ceiling — unlike employees — but a $102,000/year net-earnings cap per platform operator.

What a starting amount plus monthly contributions grows into over time. Projects the future value of a lump sum plus recurring monthly contributions at a given annual return, compounded monthly. Splits the outcome into what you put in versus what compounding earned, and sanity-checks the assumptions.

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.

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.

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.

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.

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.

What a gig actually pays per hour — after vehicle costs, waiting time, and self-employment tax. Turns gross gig or side-hustle earnings into the real hourly wage: counting every hour worked (including waiting and driving between jobs), the full per-mile cost of the vehicle (not just gas), and the tax that no employer is withholding. Then compares the result to minimum wage — and is honest when the answer is "stay home."

Turn an up-and-down income into a safe monthly salary and a right-sized buffer. For freelancers, tipped workers, sellers, and seasonal earners: paste your last months of income and get the salary you can safely pay yourself, how big a buffer your actual swings require, and which months were spikes to bank rather than spend. The pay-yourself-a-salary method every advisor teaches by hand, as a calculator.

How long your savings last after leaving a job — and whether new income overtakes costs before they run out. The personal version of a startup runway: savings, a quit-mode budget, the costs your employer was quietly covering (health insurance above all), and the income you’d be growing instead. Answers the two questions that matter: how many months you have, and whether the new income crosses your costs before month zero.

Your real China take-home month by month — under the cumulative method, where the same salary is taxed more each month as the year goes on. Computes monthly and annual individual income tax (IIT) on a China salary using the actual cumulative withholding method (累计预扣预缴法). Because tax is recomputed on year-to-date income, the same gross salary is withheld more each month as cumulative income climbs the brackets — so your take-home falls through the year. Simple monthly-bracket calculators (and general AI) get every month after the first bracket crossing wrong.

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 — and that base is clamped between a floor of roughly 60% of the local average wage and a ceiling of 300% of it. The clamp is the whole story: it is why a high earner’s deduction stops growing past a certain salary, and why someone on a low wage pays a larger share of their pay than the headline rate suggests. Both numbers come out here — what leaves the payslip, and what the employer adds on top. Rates and both limits are set city by city and reset every July, so they are yours to enter; the defaults are Beijing 2025, for illustration.

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 £30,000 exemption with any ex-gratia top-up. Notice pay is not covered by it — since the PENP rules a payment in lieu is taxed as earnings whatever it is called. Accrued untaken holiday is not covered either. So "redundancy is tax-free up to £30,000" is true of one component and false of the other two, and someone with twelve weeks of notice and a fortnight of holiday can be several thousand pounds out. This adds all of it up and splits the tax the way HMRC does, including the National Insurance boundary, which sits in a different place again. Northern Ireland is included, with its own higher limits.

Whether your estate owes federal estate tax under the permanent $15M exclusion — and what the “2026 sunset” answer would have wrongly told you. Computes federal estate-tax exposure under the 2026 rules: a flat $15,000,000 basic exclusion per person, made PERMANENT by OBBBA §70106 — the long-scheduled TCJA sunset to ~$7M never happened, but AI trained before mid-2025 still tells you it did. Accounts for lifetime taxable gifts already made (they consume the unified exclusion) and a deceased spouse’s unused exclusion (DSUE) via portability. Shows the prior-law contrast so you can see exactly how much the “sunset” answer would have overstated your tax, and flags the separate state-level estate taxes (12 states + DC, thresholds from $1M) that the federal all-clear does not cover.

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 £5,000 — which is why it usually disappears into the on-the-road price and is forgotten. Every year after that is a flat £200, and electric cars have paid it since 1 April 2025, the single fact a general-purpose AI is most likely to get wrong. Then there is the surcharge: any car listed above £40,000 pays an extra £440 a year from its second year to its sixth. For EVs that threshold rose to £50,000 on 1 April 2026 and was backdated to anything registered from April 2025, so even an answer that was correct last year has gone stale. Cars from 2001 to 2017 run on an older CO2 table, which is here as well.

Your legal vacation days under the 2023 Vacaciones Dignas reform, plus the prima vacacional and year-end aguinaldo in pesos. Computes your statutory vacation days under Mexico’s Vacaciones Dignas reform (LFT Art. 76, in force 1 Jan 2023), the 25% prima vacacional (Art. 80), and the 15-day aguinaldo due by 20 December (Art. 87), pro-rated for partial years. The internet — and AI trained on it — is saturated with the pre-2023 table that gave just 6 days in year one; the reform doubled that to 12 and re-banded the rest, and the +2-days-per-five-years banding after year 5 is precisely where models and stale HR pages still get it wrong. All amounts use your base salary: the SDI (integrated wage) is for IMSS only, and using it here double-counts the benefits being calculated.

Your end-of-service award under Saudi Labor Law Arts. 84–87 — the resignation ladder and the wage base, done right for KSA (not the UAE). Computes the end-of-service award (EOSB, مكافأة نهاية الخدمة) under Saudi Labor Law: the Art. 84 base (half a month per year for the first five years, a full month per year after, on the LAST actual wage), then the branch the termination reason selects — full award for employer-side endings, the Art. 85 ladder (0 / 1/3 / 2/3 / full at exactly 2, 5, and 10 years) for resignation, and ZERO for an Art. 80 misconduct dismissal. General AI reliably gets this wrong by porting UAE rules into KSA: the UAE abolished resignation reductions and uses basic-only wage; Saudi kept the ladder and uses the actual wage including allowances.

Your monthly Elterngeld under current BEEG law — the exact three-segment replacement rate, the €300–€1,800 clamp, and the cohort income caps (€175k / €200k / €300k) that changed twice in twelve months. Computes German parental allowance (Elterngeld): the eligibility income cap that depends on your child’s birth date (€175,000 for births from 1 April 2025; €200,000 for the year before; €300,000/€250,000 earlier — general AI quotes stale caps or invents a €150,000 single cap that has never existed), the exact BEEG §2 sliding replacement rate (67% only between €1,000–1,200 net — 65% above €1,240, up to 100% at low incomes), the €300–€1,800 Basiselterngeld clamp unchanged since 2007, ElterngeldPlus (half the amount, double the months), Geschwisterbonus, and Mehrlingszuschlag for multiples.

How much of your child benefit the £60k–£80k charge claws back — and the exact pension contribution that makes it disappear. Computes the High Income Child Benefit Charge on the higher earner’s adjusted net income (ANI): 1% of the household’s child benefit per £200 of ANI above £60,000, reaching 100% at £80,000. Then it computes the lever most people miss — relief-at-source pension contributions are grossed up ×1.25 before they reduce ANI, so a precise net contribution can zero the charge while collecting higher-rate relief on top. General AI still quotes the old £50,000 threshold, cites the household-income reform that was announced and then dropped, and tells you Self Assessment is required when PAYE collection has been live since September 2025.

What an extra shift or pay rise really leaves you on Universal Credit — the 55% taper, the work allowance you may not have, and the pension trick. Computes your Universal Credit payment at your current net earnings and at your earnings plus the raise or extra shift you are weighing — showing exactly how much of the extra you keep after the 55% taper. The taper applies to NET earnings (after tax, NI, and 100% of pension contributions), the work allowance only exists for households with children or limited capability for work, and whether your UC includes a housing element switches that allowance between £427 and £710 a month. General AI gets all three wrong: it tapers gross pay, hands everyone an allowance, and quotes outdated rates.

Your end-of-service gratuity under Decree-Law 33/2021 Art. 51 — basic wage, no resignation penalty — plus the savings-scheme comparison. Computes the end-of-service gratuity (مكافأة نهاية الخدمة) under UAE Decree-Law 33/2021: 21 days of basic wage per year for the first five years of service, 30 days per year after, on the LAST basic wage only, capped at two years' wage — and, in compare mode, the monthly contribution the voluntary savings scheme (Cabinet Resolution 96/2023) would pay instead. General AI reliably gets the UAE wrong in two ways: it cites the ABOLISHED 1980-law rules (limited/unlimited contracts, the 1/3–2/3 resignation penalty, forfeiture on dismissal — all gone since February 2022), and it ports Saudi rules across the border (KSA uses the actual wage including allowances, keeps a resignation ladder, and zeroes the award on an Art. 80 dismissal; the UAE does none of those). Mainland UAE only — DIFC (DEWS) and ADGM have their own regimes.

What your app or game actually nets after Apple’s, Google’s, or Valve’s cut — including the 30 Jun 2026 Google Play restructure no AI model has memorized. Computes a developer’s real take-home on the App Store, Google Play, or Steam. General AI gets this wrong three ways. First, Google Play restructured its US/UK/EEA fees on 30 June 2026 — a 10%+5% / 25%+5% matrix keyed to when the user installed your app — which post-dates every model’s training data. Second, all three platforms have a “$1M tier” that works completely differently: Apple’s Small Business Program is opt-in with a prior-calendar-year eligibility test and a mid-year cliff; Google’s 15% bracket is automatic and marginal per calendar year; Steam’s tiers are marginal on per-app LIFETIME gross — models conflate the three into “15% under $1M”. Third, Apple’s EU (DMA) and US (external purchase links) fee situations are under active litigation, where a confident stale answer is the worst answer of all. This tool computes the exact net from the current schedules.

Your monthly 육아휴직급여 under the 2025 reform — 100%/100%/80% with caps ₩2.5M/₩2.0M/₩1.6M, the 6+6 ladder to ₩4.5M, and the 25% withholding that no longer exists. Computes South Korean parental-leave benefit (육아휴직급여) under the rules in force since 1 January 2025: months 1–3 at 100% of ordinary wage capped ₩2,500,000, months 4–6 at 100% capped ₩2,000,000, months 7+ at 80% capped ₩1,600,000 — paid in full every month, because the 25% withheld-until-return (사후지급금) is abolished. When BOTH parents take leave for a child under 18 months, months 1–6 switch to the 6+6 scheme’s escalating 100% caps of ₩2.5M/₩2.5M/₩3.0M/₩3.5M/₩4.0M/₩4.5M per parent (the ladder ends at ₩4.5M — a ₩5.0M figure circulates and is wrong). Single parents get months 1–3 at 100% capped ₩3,000,000. General AI still describes the pre-2025 system (80% flat, ₩1.5M cap, 25% withheld) — all three facts are dead.

How many congés payés your sick-leave months actually earn under the April 2024 law — the opposite of what most of the internet still says. Computes the paid-holiday days (congés payés) you acquire in a reference period (1 June – 31 May) that includes sick leave, under France’s April 2024 reform (loi 2024-364 “DDADUE”, Code du travail L3141-3/-5/-5-1). Until that law, ordinary sick leave earned NO paid holiday — decades of French web pages and the AI trained on them still say so — but the law now says the opposite: ordinary sick months accrue 2 jours ouvrables per month (capped at 24 sick-accrued days per period) and work-accident/occupational-illness (AT/MP) months accrue the full 2.5, with the old one-year limit removed. The decisive input is the absence type — it changes both the rate and the cap — and the 15-month carry-over clock that only starts when your employer informs you decides whether the days survive at all.

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 the first 180 benefit days, 50% after) and the 出生後休業支援給付金 introduced April 2025 — a +13% top-up on up to 28 days that lifts them to 80% gross, roughly 100% of normal net take-home once the tax and social-insurance exemptions are counted. General AI still answers 67% (the top-up postdates most training data) and garbles the condition’s asymmetry: the father’s +13% is satisfied automatically while the employed mother is on 産後休業 — it is the mother’s claim that needs the father to take ≥14 days (or a waiver). Uses the caps valid 1 Aug 2026 – 31 Jul 2027 (¥16,540 daily ceiling; ¥60,205 top-up cap per 28 days); every cap revises each 1 August.

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.

What a price really costs you: hours of your own work, at your take-home pay. Converts any price — a purchase or a subscription — into the hours and workdays of your own labor it consumes, using take-home pay rather than gross (you buy things with net money). For recurring costs it adds the yearly bill, the share of your working year, and what the same money becomes if invested instead. Time is the one budget everyone understands.

True monthly cost — principal & interest plus taxes, insurance, and PMI, not just the loan. Monthly mortgage payment from price, down payment, rate, and term — including the parts lender ads leave out: property tax, home insurance, and PMI when the down payment is under 20%. The headline number here is the full PITI cost of owning.

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 added on top — and in most US states a trade-in is credited before tax is worked out. In the UK, the EU, Australia, Singapore and India, VAT or GST is already inside the sticker, so adding it again overstates the loan by the full tax rate. Pick the market and the rest follows, together with the negative-equity warning the dealership finance office will not give you.

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.

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.

How long your balance really takes to clear — and the minimum-payment trap in numbers. Months and total interest to pay off a credit card balance at your APR and monthly payment, with the concrete payoff acceleration from paying more — the math credit card statements are legally required to hint at and everyone ignores.

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 payment and let the loan fall out of it. UK and Australian lenders cap the loan itself at a multiple of income, around 4.5x, then stress-test the payment at a rate above the one you are quoted. This applies whichever rule is yours, and names the binding limit.

Convert between 31 currencies at the official ECB reference rate — and know what your bank adds on top. Converts any amount between 31 major currencies using the European Central Bank daily reference rate — the neutral mid-market rate — and tells you the part every converter hides: the spread your bank or card will add on top of it.

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).

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.

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.

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.

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.

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.

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.

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.

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%.

Add or extract GST — India slabs (5/12/18/28), Australia/NZ/Singapore/Canada rates. GST both directions — exclusive to inclusive and back — with the Indian slab structure (5/12/18/28%) and the single-rate systems (Australia 10%, New Zealand 15%, Singapore 9%, Canada 5% federal) built into the rate picker.

The hourly rate that actually pays your target income — after unbillable time, overhead, and tax. Works backward from target income to the rate you must charge: subtracting non-billable time, business overhead, time off, and the self-employment tax gap that makes a freelance hour worth less than an employed one.