Xearno Tools
Money, tax & business calculators kept current with 2026 rules — plus operator insights.
| Endpoint | https://xearno.tools/mcp (streamable-http) |
|---|---|
| Registry version | 1.5.0 |
| Now | 72 tools · grade D (59) · pin ts_390edb5aad44f73f1ebc7c0c4d45242f · protocol 2025-06-18 |
| First / last listed | 2026-11-07 00:43 UTC / 2026-11-07 00:43 UTC |
| Grade over time | 2026-11-07: D (59), 72 tools |
Is this your server? Own a server? ToolFit hosted watch re-checks it every 24 h ($0.25 per 30 days) or 6 h ($0.60) and sends you an HMAC-signed webhook when its tools or grade change: POST https://api.youraitools.co/toolfit/v1/watch. To opt out, see About & opt-out.
Tools: income_tax us_aca_subsidy_cliff us_student_loan_rap_vs_ibr uk_statutory_redundancy_pay uk_notice_pay netherlands_30_percent_ruling portugal_ifici_nhr_checker thailand_social_security uk_statutory_residence_test us_substantial_presence_test ny_statutory_residence_checker uk_stamp_duty_sdlt singapore_property_stamp_duty us_raise_benefits_cliff income_tax_hong_kong hong_kong_profits_tax income_tax_singapore income_tax_netherlands china_severance china_retirement_pension australia_hecs_help_repayment uk_capital_gains_tax india_gratuity creator_platform_payout us_freelance_vs_employee us_self_employment_quarterly_taxes uk_first_year_self_assessment singapore_platform_worker_cpf compound_growth savings_goal loan_payment fire_number split_bill unit_price true_hourly_wage steady_paycheck quit_runway china_income_tax_salary china_social_insurance uk_redundancy_package us_estate_tax_exemption uk_car_tax_ved mexico_vacaciones_aguinaldo saudi_end_of_service germany_elterngeld uk_child_benefit_charge uk_universal_credit_taper uae_gratuity app_store_developer_fees korea_parental_leave_benefit france_conges_arret_maladie japan_childcare_leave_benefit apr_to_apy price_in_hours mortgage car_loan emi sip credit_card_payoff home_affordability currency unit_economics break_even runway npv_irr pricing_margin market_size cagr roi vat gst freelance_rate
income_tax | 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. params: country*, annualIncome*, deduction |
us_aca_subsidy_cliff | 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 househo params: income, household, state, expansion, benchmark |
us_student_loan_rap_vs_ibr | 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 cli params: firstLoan, loanType, agi, familySize, dependents, state, balance, rate, pslf |
uk_statutory_redundancy_pay | 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 wort params: age, serviceYears, weeklyPay, dismissalDate, nation |
uk_notice_pay | 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 pa params: situation, years, weeklyPay, contractWeeks, nation, benefits, taxRate |
netherlands_30_percent_ruling | 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 thresh params: cohort, salary, under30Masters, distanceOk, priorNlMonths, year |
portugal_ifici_nhr_checker | Whether you qualify for Portugal’s IFICI — the activity-gated successor to the NHR regime that closed in 2024. Checks your eligibility for Portugal’s IFICI (Incentivo Fiscal à Investigação Científica e Inovação, widely called "NHR 2.0"): 20% flat tax on eligible-activity Portuguese income for 10 years, with most foreign income exempt. The old NHR closed to new entrants on 1 Jan 2024, yet general A params: priorPtResident, formerRegime, activity, qualification, ptIncome, foreignPension |
thailand_social_security | 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 announ params: section, monthlyWage, year, s40option |
uk_statutory_residence_test | 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. params: priorResidence, days, automaticOverseasWork, automaticUkHome, automaticUkWork, tieFamily, tieAccommodation, tieWork, tie90Day, tieCountry, qualifyingDays |
us_substantial_presence_test | 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 18 params: status, exemptYears, daysCurrent, daysPrior1, daysPrior2, closerConnection |
ny_statutory_residence_checker | 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 t params: abode, abodeMonths, daysNY, daysNYC, abodeInNYC, armedForces |
uk_stamp_duty_sdlt | 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 params: buyerType, nonResident, price |
singapore_property_stamp_duty | 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 params: mode, profile, propertiesOwned, price, jointHighestRate, acqYear, acqMonth, saleYear, saleMonth |
us_raise_benefits_cliff | What a raise really adds after EITC, CTC, SNAP, Medicaid, and ACA subsidies move against it — the effective marginal rate no single program shows. For working households on any support program, a raise triggers five simultaneous countercurrents: federal tax and FICA go up, EITC phases out (up to 21¢ per dollar), SNAP tapers (30¢ per net dollar), Medicaid ends abruptly at 138% of the poverty line, params: expansion, bbce, filing, kids, income, raise, rent, premium |
income_tax_hong_kong | 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, params: year, income, status, children, parents, parentsLiveWith, mpf, otherDeductions |
hong_kong_profits_tax | 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 params: profit, entityType, tiered |
income_tax_singapore | 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 a params: status, annualIncome, reliefs |
income_tax_netherlands | 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 th params: annualIncome |
china_severance | 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 earn params: reason, monthlyWage, serviceYears, serviceMonths, city, localAvgWage |
china_retirement_pension | 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 stil params: birthYear, birthMonth, track, mode, city, avgWage, contributionIndex, contributionYears, accountBalance, asOfYear, bookingRate, growthRate |
australia_hecs_help_repayment | 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. T params: incomeYear, repaymentIncome, balance, hadDebtJun2025 |
uk_capital_gains_tax | 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 ga params: disposalDate, assetType, gain, taxableIncome, otherGainsUsedAea, badrLifetimeUsed |
india_gratuity | 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) wa params: employmentType, basicDA, totalRemuneration, serviceYears, serviceExtraMonths, exitReason |
creator_platform_payout | 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 rest params: platform, monthlyGross, youtubeStream, twitchSplit, patreonPlan, avgTransaction |
us_freelance_vs_employee | 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 params: salary, filing, employeeHealthCost, freelanceHealthCost, matchPct, hoursPerWeek, utilizationPct, weeksWorked |
us_self_employment_quarterly_taxes | 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 m params: seProfit, w2Wages, w2Withholding, filing, priorYearTax, priorAgiOver150k |
uk_first_year_self_assessment | 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 Janu params: profit, firstYear, payeIncome, priorBill |
singapore_platform_worker_cpf | 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 params: birthYear, optedIn, age, year, grossMonthly, vehicle |
compound_growth | What a starting amount plus monthly contributions grows into over time. Projects the future value of a lump sum plus recurring monthly contributions at a given annual return, compounded monthly. Splits the outcome into what you put in versus what compounding earned, and sanity-checks the assumptions. params: principal, monthly, rate, years |
savings_goal | The monthly saving needed to hit a target by a deadline. Given a target amount, what you already have, a time horizon, and an expected return, computes the required monthly contribution — and shows what waiting a year would cost you. params: goal, current, years, rate |
loan_payment | Monthly payment, total interest, and what paying extra saves. Standard amortized loan math: monthly payment, total cost, interest as a share of principal — plus a concrete extra-payment scenario showing time and interest saved. params: amount, rate, years |
fire_number | The portfolio that makes work optional, and how far away it is. Computes your financial-independence target from annual spending and a safe withdrawal rate, then projects how many years your current savings and monthly contributions take to reach it. params: expenses, swr, current, monthly, rate |
split_bill | Even split with tip, rounded so nobody argues. Splits a bill evenly across people with an optional tip, and shows the clean rounded amount plus who covers the remainder. params: total, people, tip |
unit_price | Which package is actually cheaper per unit. Compares two package options by price per unit and quantifies the savings — the supermarket-shelf math, done honestly. params: priceA, qtyA, priceB, qtyB |
true_hourly_wage | 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 params: gross, hours, miles, costPerMile, taxPct, minWage |
steady_paycheck | 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 calcu params: incomes, essentials, buffer |
quit_runway | 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 params: savings, essentials, extraCosts, sideIncome, growthPct |
china_income_tax_salary | 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 params: monthlyGross, socialInsurance, specialDeductions |
china_social_insurance | 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 params: gross, city, baseFloor, baseCeiling, employeeSocialRate, employerSocialRate, housingFundRate |
uk_redundancy_package | 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 payme params: age, serviceYears, weeklyPay, holidayDays, noticeTreatment, exGratia, taxRate, niRate, nation |
us_estate_tax_exemption | 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. Account params: estateValue, maritalStatus, dsueAmount, lifetimeGiftsUsed, state |
uk_car_tax_ved | 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 aft params: regDate, fuel, co2, listPrice, yearOfOwnership |
mexico_vacaciones_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 due by 20 December (Art. 87), pro-rated for partial years. The internet — and AI trained on it — is params: serviceYears, monthlySalary, daysWorkedThisYear |
saudi_end_of_service | 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 aw params: reason, monthlyWage, serviceYears |
germany_elterngeld | 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/€25 params: birthCohort, household, taxableIncome, monthlyNet, variant, siblingBonus, multiples |
uk_child_benefit_charge | 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 a params: higherIncome, pensionContributions, giftAid, children |
uk_universal_credit_taper | 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, N params: household, hasChildren, housingElement, netMonthlyEarnings, extraEarnings, otherElements |
uae_gratuity | 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 params: basicMonthly, serviceYears, mode |
app_store_developer_fees | 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 params: platform, annualRevenue, revenueType, appleSbp, googleRegion, googleCohort |
korea_parental_leave_benefit | 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 fu params: scheme, monthlyWage, months |
france_conges_arret_maladie | 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 params: absenceType, sickMonths, workedMonths, convention |
japan_childcare_leave_benefit | 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 params: claimant, monthlyWage, leaveDays, bothCondition |
apr_to_apy | 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. params: mode, rate, periods |
price_in_hours | What a price really costs you: hours of your own work, at your take-home pay. Converts any price — a purchase or a subscription — into the hours and workdays of your own labor it consumes, using take-home pay rather than gross (you buy things with net money). For recurring costs it adds the yearly bill, the share of your working year, and what the same money becomes if invested instead. Time is th params: price, cadence, payMode, pay, takeHomePct |
mortgage | 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. params: market, price, downPct, rate, years, propertyTax, insurance |
car_loan | 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, params: market, vehicleType, price, down, tradeIn, salesTax, rate, months |
emi | 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. params: principal, rate, months |
sip | 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. params: monthly, rate, years, stepUp |
credit_card_payoff | 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. params: balance, apr, payment |
home_affordability | 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 params: method, income, monthlyDebts, down, rate, years |
currency | 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. params: amount, from, to |
unit_economics | LTV, LTV:CAC, and CAC payback — with the benchmarks that make them mean something. Computes customer lifetime value from ARPU, gross margin, and churn; compares it to acquisition cost; and reads the result against the standard SaaS/subscription benchmarks (3:1 LTV:CAC, sub-12-month payback). params: arpu, grossMargin, churn, cac |
break_even | Units and revenue needed to cover costs — and how much pricing moves it. Classic cost-volume-profit analysis: contribution margin, break-even units and revenue, margin of safety if you supply current volume, and the leverage a price change has on all of it. params: fixedCosts, price, variableCost, currentUnits |
runway | 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. params: cash, burn, burnChange |
npv_irr | Is this investment worth it — discounted, not vibes. Net present value, internal rate of return, payback period, and profitability index for a series of cashflows — the standard capital-budgeting toolkit, with the IRR pitfalls flagged instead of hidden. params: rate, cashflows |
pricing_margin | Margin vs markup, and what a discount really costs in volume. Computes gross margin and markup from cost and price — two numbers people constantly confuse — and shows the brutal volume math behind discounting at your margin. params: cost, price, discount |
market_size | 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. params: accounts, arpa, samPct, somPct |
cagr | 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. params: startValue, endValue, years |
roi | 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. params: cost, finalValue, years |
vat | 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%. params: mode, amount, rate |
gst | 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. params: mode, amount, rate |
freelance_rate | 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. params: targetIncome, billableHours, weeksOff, overhead, taxBuffer |
Entries describe changes in tool definitions. They are not statements about a server, its quality or its author. The grade measures how the tool definitions fit model providers (token cost, schema compatibility, confusable names) as scored by the ToolFit engine at the time of the listing. JSON: append .json. Opt-out: how or hello@youraitools.co.