96 tools · tested math · operator benchmarks
The rules changed.
Most answers didn’t.
A bench of calculators kept current against rules that keep moving — tax, severance, residency, benefits, platform fees. Every tool computes today’s number, then reads it the way an experienced operator would: benchmarks, red flags, the formula in the open. Built for people and for AI agents — same tools, same math, callable over API and MCP.
From the makers of Xearno, the app that treats your money as a living fortune rather than a spreadsheet. And because we make an app — not loans, cards, or leads — there are no ads here, no affiliate offers, and no reason for any number to steer you anywhere.
- Earning & Work · Family
Income Tax Calculators
24 countries with current official brackets — tax owed, effective vs marginal rate, take-home pay.
taxincome24 countries
- Saving & Investing
Compound Growth
What a starting amount plus monthly contributions grows into over time.
investinginterest
- Saving & Investing
Savings Goal
The monthly saving needed to hit a target by a deadline.
budgetingplanning
- Loans & Debt
Loan Payment
Monthly payment, total interest, and what paying extra saves.
loansdebt
- Saving & Investing
FIRE Number
The portfolio that makes work optional, and how far away it is.
investingplanning
- Everyday Money
Split Bill
Even split with tip, rounded so nobody argues.
shopping
- Everyday Money
Unit Price
Which package is actually cheaper per unit.
shopping
- Earning & Work
True Hourly Wage (Gig & Side Hustle)
What a gig actually pays per hour — after vehicle costs, waiting time, and self-employment tax.
gigincome
- Earning & Work
Steady Paycheck (Variable Income)
Turn an up-and-down income into a safe monthly salary and a right-sized buffer.
freelancegigbudgeting
- Earning & Work
Quit Runway (Can I Afford to Leave?)
How long your savings last after leaving a job — and whether new income overtakes costs before they run out.
freelanceplanning
- Earning & Work🇨🇳
China Retirement Age & Pension Estimator (2025 reform)
Your exact retirement date under China’s 2025 delayed-retirement reform, plus an estimated monthly pension.
incomeplanning
- Earning & Work🇨🇳
China Severance Pay Calculator 经济补偿金 (N / N+1 / 2N)
Statutory severance under China’s Labour Contract Law — the N / N+1 / 2N branch and the 3×-average-wage cap, done right.
incomeplanning
- Earning & Work🇨🇳
China Salary Tax & Net Pay (cumulative withholding 累计预扣)
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.
taxincome
- Earning & Work🇨🇳
China Social Insurance & Housing Fund 五险一金 (employee + employer cost)
What actually comes out of a China salary — and what the employer pays on top — with the contribution-base floor/ceiling applied correctly.
incometax
- Earning & Work🇬🇧
UK Statutory Redundancy Pay Calculator
Your statutory redundancy pay under ERA 1996 — the age-banded week multiplier, the £751 weekly cap, and the £22,530 maximum, all on current limits.
incomeemploymentplanning
- Earning & Work🇮🇳
India Gratuity Calculator (Labour Codes, from 21 Nov 2025)
Statutory gratuity under the new Labour Codes — the 50% wage floor and the 1-year fixed-term gate that the old answer misses.
incomeemploymentplanning
- Earning & Work🇺🇸
Is This Raise Actually a Raise? (2026 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.
incomeemploymentplanning
- Loans & Debt🇺🇸
ACA Subsidy Cliff Checker (2026)
Where your 2026 marketplace subsidy sits against the restored 400%-of-poverty cliff — and the clawback risk if income crosses it.
healthplanningtax
- Everyday Money🇺🇸
New York Statutory Residence Checker (183-Day + Abode Test)
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.
taxplanning
- Everyday Money🇺🇸
US Substantial Presence Test — the real 183-day rule
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.
taxplanningimmigration
- Everyday Money🇬🇧
UK Statutory Residence Test Decider
Whether you are UK tax resident this year — the full statutory test, not the 183-day myth.
taxplanning
- Earning & Work🇺🇸
Freelance vs Employee: the True-Equivalence Rate
The 1099 rate that truly replaces a W-2 salary — solved from taxes, benefits, and billable reality, not a folk multiplier.
incomeemploymentplanning
- Running a Business🇺🇸
Self-Employment Tax & Quarterly Estimated Payments (2026 1040-ES)
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.
taxincomeplanning
- Running a Business🇬🇧
UK Self-Assessment First-Year Bill Calculator (payments on account)
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.
taxincomeplanning
- Earning & Work🇸🇬
Singapore Platform Worker CPF Calculator (Platform Workers Act)
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.
incomeemploymentplanning
- Earning & Work
Creator Platform Payout Calculator
What you actually net on YouTube, Twitch, Patreon, Substack, or OnlyFans — after the platform cut AND the processing layer nobody advertises.
incomecreatorplanning
- Saving & Investing🇬🇧
UK Capital Gains Tax Calculator (2025-26 & 2026-27)
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.
taxinvestingplanning
- Saving & Investing🇺🇸
US Federal Estate-Tax Exposure (2026 — the sunset that didn’t happen)
Whether your estate owes federal estate tax under the permanent $15M exclusion — and what the “2026 sunset” answer would have wrongly told you.
taxplanning
- Earning & Work🇹🇭
Thailand Social Security Contribution (2026 ceiling unfreeze)
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.
incomeemploymentplanning
- Everyday Money🇵🇹
Portugal IFICI ("NHR 2.0") Eligibility Checker
Whether you qualify for Portugal’s IFICI — the activity-gated successor to the NHR regime that closed in 2024.
taxplanning
- Earning & Work🇳🇱
Netherlands 30% Ruling Checker & Calculator
Are you eligible for the Dutch 30% ruling, and how much salary is tax-free — on the real three-cohort transition to 27%, not a stale headline.
taxincomeemployment
- Everyday Money🇬🇧
UK Car Tax Calculator (VED) — inc. post-2025 EV rules
Vehicle Excise Duty (road tax) on a UK car — first-year rate by CO2, the £200 standard rate EVs now pay too, and the £440 expensive-car supplement with its new £50k EV threshold.
taxcarplanning
- Earning & Work🇲🇽
Mexico Vacation Days, Prima Vacacional & Aguinaldo (Vacaciones Dignas)
Your legal vacation days under the 2023 Vacaciones Dignas reform, plus the prima vacacional and year-end aguinaldo in pesos.
incomeemploymentplanning
- Earning & Work🌐
Saudi Arabia End-of-Service Award (EOSB) Calculator
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).
incomeemploymentplanning
- Everyday Money🇩🇪
Germany Elterngeld Calculator (Basiselterngeld & ElterngeldPlus)
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.
incomeplanningfamily
- Everyday Money🇬🇧
UK High Income Child Benefit Charge (HICBC) Optimizer
How much of your child benefit the £60k–£80k charge claws back — and the exact pension contribution that makes it disappear.
taxfamilyplanning
- Everyday Money🇬🇧
UK Universal Credit Taper — Does Working More Pay?
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.
incomefamilyplanning
- Earning & Work🌐
UAE End-of-Service Gratuity Calculator
Your end-of-service gratuity under Decree-Law 33/2021 Art. 51 — basic wage, no resignation penalty — plus the savings-scheme comparison.
incomeemploymentplanning
- Running a Business
App Store / Google Play / Steam Developer Take-Home Calculator
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.
incomebusinessplanning
- Everyday Money🇰🇷
Korea Parental Leave Benefit Calculator (육아휴직급여, 2025 reform + 6+6)
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.
incomefamilyplanning
- Everyday Money🇫🇷
France Paid-Holiday Accrual During Sick Leave (post-2024 rules)
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.
employmentplanningfamily
- Everyday Money🇯🇵
Japan Childcare Leave Benefit Calculator (育児休業給付金 & 出生後休業支援給付金)
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 2025 – 31 Jul 2026.
incomefamilyplanning
- Everyday Money
Percentage Calculator
What is X% of Y, X is what percent of Y, and percent change — all three, correctly.
shopping
- Everyday Money
Discount Calculator
Sale price after one or two stacked discounts — and why 20% + 10% is not 30% off.
shopping
- Everyday Money
Tip Calculator
Tip, total, and per-person share — with actual tipping norms by region.
shopping
- Earning & Work
Salary ↔ Hourly Converter
Convert between hourly, weekly, monthly, and annual pay at your real hours.
income
- Earning & Work
Overtime Pay Calculator
Time-and-a-half math: weekly gross with overtime, and your blended hourly rate.
income
- Earning & Work
Pay Raise Calculator
What a raise is worth — and whether it beats inflation at all.
income
- Saving & Investing
Simple Interest Calculator
I = P·r·t — and how far it diverges from compound interest over time.
interest
- Saving & Investing
APR ↔ APY Converter
Nominal vs effective rates — what a quoted APR really costs at your compounding frequency.
interestloans
- Everyday Money
Price in Work Hours
What a price really costs you: hours of your own work, at your take-home pay.
shoppingincome
- Loans & Debt🇺🇸
Student Loan: RAP vs IBR (2026 forced choice)
Your monthly payment and forgiveness timeline under RAP vs IBR — the choice SAVE borrowers are being forced to make.
debtplanningincome
- Loans & Debt🇬🇧
UK Stamp Duty Calculator (SDLT) — England & Northern Ireland
Stamp Duty Land Tax on a home in England or Northern Ireland — with first-time-buyer relief, the +5% additional-dwelling surcharge, and the +2% non-resident surcharge.
propertytaxplanning
- Loans & Debt🇸🇬
Singapore Property Stamp Duty (BSD + ABSD + SSD)
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.
propertytaxplanning
- Loans & Debt🇦🇺
Australia HECS-HELP Repayment & Indexation (2025-26 reform)
Your compulsory HELP repayment under the new marginal system, what indexation adds each 1 June, and how the 20% cut and old rules compare.
debtincomeplanning
- Loans & Debt
Mortgage Calculator
True monthly cost — principal & interest plus taxes, insurance, and PMI, not just the loan.
loanshome
- Loans & Debt
Car Loan Calculator
Monthly car payment with down payment, trade-in, and sales tax — and the long-loan trap.
loansdebt
- Loans & Debt
EMI Calculator
Loan EMI, total interest, and the flat-rate trap that makes 10% cost like 18%.
loans
- Saving & Investing
SIP Calculator
Systematic Investment Plan returns — with optional annual step-up, honestly assumed.
investingplanning
- Loans & Debt
Credit Card Payoff Calculator
How long your balance really takes to clear — and the minimum-payment trap in numbers.
debtbudgeting
- Loans & Debt
Home Affordability Calculator
How much house you can afford by the 28/36 rule — the underwriting math, honestly applied.
homeplanning
- Everyday Money
Currency Converter
Convert between 31 currencies at the official ECB reference rate — and know what your bank adds on top.
shopping
- Running a Business
Unit Economics
LTV, LTV:CAC, and CAC payback — with the benchmarks that make them mean something.
pricingplanning
- Running a Business
Break-Even
Units and revenue needed to cover costs — and how much pricing moves it.
pricingplanning
- Running a Business
Runway & Burn
How many months of cash remain, and when to start raising.
budgetingplanning
- Running a Business
NPV & IRR
Is this investment worth it — discounted, not vibes.
investingplanning
- Running a Business
Pricing & Margin
Margin vs markup, and what a discount really costs in volume.
pricing
- Running a Business
Market Size (TAM · SAM · SOM)
Bottom-up market sizing with a built-in plausibility check.
planning
- Saving & Investing
CAGR Calculator
Compound annual growth rate — the honest average that volatile returns hide behind.
investing
- Running a Business
ROI Calculator
Return on investment, simple and annualized — comparable numbers instead of raw bragging.
investing
- Running a Business
VAT Calculator
Add or remove VAT at any rate — including the divide-not-subtract trap.
taxpricing
- Running a Business
GST Calculator
Add or extract GST — India slabs (5/12/18/28), Australia/NZ/Singapore/Canada rates.
taxpricing
- Earning & Work
Freelance Rate Calculator
The hourly rate that actually pays your target income — after unbillable time, overhead, and tax.
freelancepricing
Not selling you a loan
Most calculator sites are lead-gen for lenders and advisors — the math frames the offer. We make an app, so the math has no side.
Formulas in the open
Every tool publishes its formula, assumptions, data basis, and what it deliberately excludes. Tested against worked examples; no silent changes.
A number, then a read
Results come with the benchmark and the trap — the sentence an experienced operator would add after the figure.
Half our users are not human
Language models reason well and compute badly. Every tool here is a pure, deterministic, versioned function with a published JSON schema — an agent calls it instead of doing the arithmetic in its head, and gets back the values and the benchmark read to show its user.
- POST /api/v1/tools/:slug — open JSON API, no key needed
- /mcp — mount the whole bench as MCP tools
- /llms.txt — the map, readable by anything
curl -s https://xearno.tools/api/v1/tools/unit-economics \
-H 'content-type: application/json' \
-d '{"arpu": 50, "grossMargin": 80, "churn": 3, "cac": 400}'
{
"raw": { "ltvCacRatio": 3.3, "paybackMonths": 10, ... },
"insights": [
{ "level": "good",
"text": "3.3:1 sits in the healthy 3–5:1 range..." }
]
}