Xearno Tools
tools.xearno/calculatorsMoney, tax & business calculators kept current with 2026 rules — plus operator insights.
Tools · 72
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, franc…
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 pr…
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 SAVE is dead (vacated, then repealed by the July 2025 law) and the Repayment Assist…
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. …
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 …
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 thin…
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 …
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) contribu…
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, the…
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 Substantia…
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 Yo…
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 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 act…
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 rais…
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 calcul…
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 c…
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…
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,…
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…
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-retir…
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’…
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 o…
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…
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 l…
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 …
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 …
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 bil…
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 Platfo…
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. Split…
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 wh…
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 showi…
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 s…
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…
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 …
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 emplo…
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…
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. Contri…
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 …
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 rule…
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. Th…
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 refo…
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) …
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…
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 adjust…
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 curren…
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) unde…
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 …
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 bene…
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…
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 …
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 w…
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-…
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…
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 a…
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 e…
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 su…
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 pay…
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 …
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 …
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 r…
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 …
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:…
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 tool…
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 dis…
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 …
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" …
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 mone…
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: remo…
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-…
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…
Similar MCP servers embedding-nearest
How to use
Add to your Claude Desktop / Cursor / Cline MCP config:
{
"mcpServers": {
"xearno_tools": {
"url": "https://xearno.tools/mcp",
"transport": "streamable-http"
}
}
}