MCP servertools.xearno/calculators

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 re

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

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 repaym

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

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 bea

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 assu

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 i

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 progr

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

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 calc

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, compo

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 payo

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, w

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 B

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 a

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

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 p

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-bil

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 tw

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/

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

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

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, j

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

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 empl

YA 2026 Singapore tax for residents, non-resident employees, and non-resident directors — including personal reliefs. Singapore tax depends first on residency. Residents use progre

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 Soci

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 va

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

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-pa

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 c

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 Va

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

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%

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 ca

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

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 Inve

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 c

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 vo

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,

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

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 fu

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, م

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 contrib

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 unde

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 d

Systematic Investment Plan returns — with optional annual step-up, honestly assumed. Projects a monthly SIP (systematic investment plan) to its future corpus, splits invested amoun

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.

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

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 O

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 ho

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 (مكافأ

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

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

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 hi

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

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

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

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

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

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, aut

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 pa

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 c

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.

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

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

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 wh

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 sup

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 pla

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

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

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 inv