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One line of HTML. It keeps working as the rules change, because we maintain the figures behind it — the same tools we publish here, not a stripped-down version.
The deal, both ways
You get a maintained calculator with no ads, no cookies and no tracking of your readers. We get one visible credit link under it. That link is the whole reason this is free, so it stays crawlable and we will not pretend otherwise.
Earning & Work
What a gig actually pays per hour — after vehicle costs, waiting time, and self-employment tax.
Turn an up-and-down income into a safe monthly salary and a right-sized buffer.
How long your savings last after leaving a job — and whether new income overtakes costs before they run out.
Your exact retirement date under China’s 2025 delayed-retirement reform, plus an estimated monthly pension.
Statutory severance under China’s Labour Contract Law — the N / N+1 / 2N branch and the 3×-average-wage cap, done right.
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.
How much 五险一金 comes out of a China salary each month, and what it costs the employer on top.
How much redundancy pay you’re owed — from your age, your years of service and your weekly pay, on the 2026 limits.
Redundancy pay, notice and untaken holiday together — and which parts of it the £30,000 exemption does not cover.
How many weeks’ notice you’re owed, what it pays, and how much of it is taxed.
Statutory gratuity under the new Labour Codes — the 50% wage floor and the 1-year fixed-term gate that the old answer misses.
What a raise really adds after EITC, CTC, SNAP, Medicaid, and ACA subsidies move against it — the effective marginal rate no single program shows.
What your Hong Kong salary actually costs you in tax this year, after allowances — and whether the standard rate caps the bill.
YA 2026 Singapore tax for residents, non-resident employees, and non-resident directors — including personal reliefs.
2026 Dutch Box 1 salary tax after the general tax credit and employment tax credit — the two amounts generic calculators miss.
The 1099 rate that truly replaces a W-2 salary — solved from taxes, benefits, and billable reality, not a folk multiplier.
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.
What you actually net on YouTube, Twitch, Patreon, Substack, or OnlyFans — after the platform cut AND the processing layer nobody advertises.
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.
Whether you qualify for the Dutch 30% ruling, how much of your salary comes tax-free, and what changes when it drops to 27%.
Your legal vacation days under the 2023 Vacaciones Dignas reform, plus the prima vacacional and year-end aguinaldo in pesos.
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).
Your end-of-service gratuity under Decree-Law 33/2021 Art. 51 — basic wage, no resignation penalty — plus the savings-scheme comparison.
The hourly rate that actually pays your target income — after unbillable time, overhead, and tax.
Loans & Debt
Where your 2026 marketplace subsidy sits against the restored 400%-of-poverty cliff — and the clawback risk if income crosses it.
Your monthly payment and forgiveness timeline under RAP vs IBR — the choice SAVE borrowers are being forced to make.
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.
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.
Your compulsory HELP repayment under the new marginal system, what indexation adds each 1 June, and how the 20% cut and old rules compare.
Saving & Investing
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.
Whether your estate owes federal estate tax under the permanent $15M exclusion — and what the “2026 sunset” answer would have wrongly told you.
Everyday Money
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.
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.
Whether you are UK tax resident this year — the full statutory test, not the 183-day myth.
Whether you qualify for Portugal’s IFICI — the activity-gated successor to the NHR regime that closed in 2024.
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.
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.
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.
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.
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.
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.
Running a Business
Hong Kong profits tax at 8.25%/16.5% for corporations or 7.5%/15% for unincorporated businesses, with the connected-entity election.
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.
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.
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.
LTV, LTV:CAC, and CAC payback — with the benchmarks that make them mean something.
Units and revenue needed to cover costs — and how much pricing moves it.
How many months of cash remain, and when to start raising.
Is this investment worth it — discounted, not vibes.
Margin vs markup, and what a discount really costs in volume.
Bottom-up market sizing with a built-in plausibility check.
Return on investment, simple and annualized — comparable numbers instead of raw bragging.
Add or remove VAT at any rate — including the divide-not-subtract trap.
Add or extract GST — India slabs (5/12/18/28), Australia/NZ/Singapore/Canada rates.
Frames are English for now. If you need another language, or a size or field set we do not offer, say so — we would rather add a knob a real publisher asked for than guess at ten.