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Earning & Work

• income_tax — 24 countries in one tool (country parameter); per-country REST endpoints also exist
• true_hourly_wage — What a gig actually pays per hour — after vehicle costs, waiting time, and self-employment tax.
• steady_paycheck — Turn an up-and-down income into a safe monthly salary and a right-sized buffer.
• quit_runway — How long your savings last after leaving a job — and whether new income overtakes costs before they run out.
• china_retirement_pension — Your exact retirement date under China’s 2025 delayed-retirement reform, plus an estimated monthly pension.
• china_severance — Statutory severance under China’s Labour Contract Law — the N / N+1 / 2N branch and the 3×-average-wage cap, done right.
• 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.
• china_social_insurance — What actually comes out of a China salary — and what the employer pays on top — with the contribution-base floor/ceiling applied correctly.
• uk_statutory_redundancy_pay — 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.
• 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.
• 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.
• 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.
• 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.
• creator_platform_payout — What you actually net on YouTube, Twitch, Patreon, Substack, or OnlyFans — after the platform cut AND the processing layer nobody advertises.
• 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.
• netherlands_30_percent_ruling — 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.
• mexico_vacaciones_aguinaldo — Your legal vacation days under the 2023 Vacaciones Dignas reform, plus the prima vacacional and year-end aguinaldo in pesos.
• 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).
• uae_gratuity — Your end-of-service gratuity under Decree-Law 33/2021 Art. 51 — basic wage, no resignation penalty — plus the savings-scheme comparison.
• salary_to_hourly — Convert between hourly, weekly, monthly, and annual pay at your real hours.
• overtime_pay — Time-and-a-half math: weekly gross with overtime, and your blended hourly rate.
• pay_raise — What a raise is worth — and whether it beats inflation at all.
• freelance_rate — The hourly rate that actually pays your target income — after unbillable time, overhead, and tax.

Loans & Debt

• loan_payment — Monthly payment, total interest, and what paying extra saves.
• 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.
• 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.
• uk_stamp_duty_sdlt — 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.
• 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.
• 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.
• mortgage — True monthly cost — principal & interest plus taxes, insurance, and PMI, not just the loan.
• car_loan — Monthly car payment with down payment, trade-in, and sales tax — and the long-loan trap.
• emi — Loan EMI, total interest, and the flat-rate trap that makes 10% cost like 18%.
• credit_card_payoff — How long your balance really takes to clear — and the minimum-payment trap in numbers.
• home_affordability — How much house you can afford by the 28/36 rule — the underwriting math, honestly applied.

Saving & Investing

• compound_growth — What a starting amount plus monthly contributions grows into over time.
• savings_goal — The monthly saving needed to hit a target by a deadline.
• fire_number — The portfolio that makes work optional, and how far away it is.
• 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.
• 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.
• simple_interest — I = P·r·t — and how far it diverges from compound interest over time.
• apr_to_apy — Nominal vs effective rates — what a quoted APR really costs at your compounding frequency.
• sip — Systematic Investment Plan returns — with optional annual step-up, honestly assumed.
• cagr — Compound annual growth rate — the honest average that volatile returns hide behind.

Everyday Money

• split_bill — Even split with tip, rounded so nobody argues.
• unit_price — Which package is actually cheaper per unit.
• 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.
• 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.
• uk_statutory_residence_test — Whether you are UK tax resident this year — the full statutory test, not the 183-day myth.
• portugal_ifici_nhr_checker — Whether you qualify for Portugal’s IFICI — the activity-gated successor to the NHR regime that closed in 2024.
• uk_car_tax_ved — 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.
• 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.
• 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.
• 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.
• 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.
• 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.
• 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 2025 – 31 Jul 2026.
• percentage — What is X% of Y, X is what percent of Y, and percent change — all three, correctly.
• discount — Sale price after one or two stacked discounts — and why 20% + 10% is not 30% off.
• tip — Tip, total, and per-person share — with actual tipping norms by region.
• price_in_hours — What a price really costs you: hours of your own work, at your take-home pay.
• currency — Convert between 31 currencies at the official ECB reference rate — and know what your bank adds on top.

Running a Business

• 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.
• 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.
• 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.
• unit_economics — LTV, LTV:CAC, and CAC payback — with the benchmarks that make them mean something.
• break_even — Units and revenue needed to cover costs — and how much pricing moves it.
• runway — How many months of cash remain, and when to start raising.
• npv_irr — Is this investment worth it — discounted, not vibes.
• pricing_margin — Margin vs markup, and what a discount really costs in volume.
• market_size — Bottom-up market sizing with a built-in plausibility check.
• roi — Return on investment, simple and annualized — comparable numbers instead of raw bragging.
• vat — Add or remove VAT at any rate — including the divide-not-subtract trap.
• gst — Add or extract GST — India slabs (5/12/18/28), Australia/NZ/Singapore/Canada rates.