Money, tax & business calculators kept current with 2026 rules — plus operator insights.
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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 App Store, Google Play, or Steam. General AI gets this wrong three ways. First, Google Play restructured its US/UK/EEA fees on 30 June 2026 — a 10%+5% / 25%+5% matrix keyed to when the user installed your app — which post-dates every model’s training data. Second, all three platforms have a “$1M tier” that works completely differently: Apple’s Small Business Program is opt-in with a prior-calendar-year eligibility test and a mid-year cliff; Google’s 15% bracket is automatic and marginal per calendar year; Steam’s tiers are marginal on per-app LIFETIME gross — models conflate the three into “15% under $1M”. Third, Apple’s EU (DMA) and US (external purchase links) fee situations are under active litigation, where a confident stale answer is the worst answer of all. This tool computes the exact net from the current schedules.
Apple Small Business Program Apple only. Unlike Google’s automatic bracket, SBP is OPT-IN, and eligibility is tested on your PRIOR calendar year’s post-commission proceeds (≤ $1M). Crossing $1M proceeds mid-year flips future sales that year to 30% — a cliff, not a marginal bracket.
Platform The three stores’ fee structures are not variations on one formula — they are structurally different. This decides everything below.
Revenue type Apple and Google Play only — ignored for Steam. Apple drops any subscription to 15% after the subscriber’s first paid year; Google prices subscriptions on a separate (flat) schedule from one-time purchases.
Install cohort (US/UK/EEA) Google US/UK/EEA, non-subscription revenue only. New installs pay 10%+5% on the first $1M/yr then 25%+5%; existing installs pay a flat 20%+5%. Real revenue is usually a mix — run both to bracket your blend.
Google Play buyer region Google Play only. Google restructured US/UK/EEA fees effective 30 June 2026 — a service fee plus a separate 5% billing fee, keyed to when the user installed your app. Rest-of-world keeps the classic 15%-to-$1M / 30% schedule.
Gross revenue ($) Gross annual consumer spend, before the store’s cut. STEAM IS DIFFERENT: enter this app’s LIFETIME gross, not annual — Steam’s tiers are marginal on per-app lifetime revenue, so where you sit depends on everything the app has ever earned.
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 App Store, Google Play, or Steam. General AI gets this wrong three ways. First, Google Play restructured its US/UK/EEA fees on 30 June 2026 — a 10%+5% / 25%+5% matrix keyed to when the user installed your app — which post-dates every model’s training data. Second, all three platforms have a “$1M tier” that works completely differently: Apple’s Small Business Program is opt-in with a prior-calendar-year eligibility test and a mid-year cliff; Google’s 15% bracket is automatic and marginal per calendar year; Steam’s tiers are marginal on per-app LIFETIME gross — models conflate the three into “15% under $1M”. Third, Apple’s EU (DMA) and US (external purchase links) fee situations are under active litigation, where a confident stale answer is the worst answer of all. This tool computes the exact net from the current schedules.
| Argument | Type | Description |
|---|---|---|
| appleSbp | string | Apple Small Business Program Apple only. Unlike Google’s automatic bracket, SBP is OPT-IN, and eligibility is tested on your PRIOR calendar year’s post-commission proceeds (≤ $1M). Crossing $1M proceeds mid-year flips future sales that year to 30% — a cliff, not a marginal bracket. |
| platform | string | Platform The three stores’ fee structures are not variations on one formula — they are structurally different. This decides everything below. |
| revenueType | string | Revenue type Apple and Google Play only — ignored for Steam. Apple drops any subscription to 15% after the subscriber’s first paid year; Google prices subscriptions on a separate (flat) schedule from one-time purchases. |
| googleCohort | string | Install cohort (US/UK/EEA) Google US/UK/EEA, non-subscription revenue only. New installs pay 10%+5% on the first $1M/yr then 25%+5%; existing installs pay a flat 20%+5%. Real revenue is usually a mix — run both to bracket your blend. |
| googleRegion | string | Google Play buyer region Google Play only. Google restructured US/UK/EEA fees effective 30 June 2026 — a service fee plus a separate 5% billing fee, keyed to when the user installed your app. Rest-of-world keeps the classic 15%-to-$1M / 30% schedule. |
| annualRevenue | number | Gross revenue ($) Gross annual consumer spend, before the store’s cut. STEAM IS DIFFERENT: enter this app’s LIFETIME gross, not annual — Steam’s tiers are marginal on per-app lifetime revenue, so where you sit depends on everything the app has ever earned. |
{
"type": "object",
"required": [],
"properties": {
"appleSbp": {
"enum": [
"yes",
"no"
],
"type": "string",
"default": "yes",
"description": "Apple Small Business Program Apple only. Unlike Google’s automatic bracket, SBP is OPT-IN, and eligibility is tested on your PRIOR calendar year’s post-commission proceeds (≤ $1M). Crossing $1M proceeds mid-year flips future sales that year to 30% — a cliff, not a marginal bracket."
},
"platform": {
"enum": [
"apple",
"googlePlay",
"steam"
],
"type": "string",
"default": "apple",
"description": "Platform The three stores’ fee structures are not variations on one formula — they are structurally different. This decides everything below."
},
"revenueType": {
"enum": [
"oneTime",
"subscriptionY1",
"subscriptionY2"
],
"type": "string",
"default": "oneTime",
"description": "Revenue type Apple and Google Play only — ignored for Steam. Apple drops any subscription to 15% after the subscriber’s first paid year; Google prices subscriptions on a separate (flat) schedule from one-time purchases."
},
"googleCohort": {
"enum": [
"newInstalls",
"existingInstalls"
],
"type": "string",
"default": "newInstalls",
"description": "Install cohort (US/UK/EEA) Google US/UK/EEA, non-subscription revenue only. New installs pay 10%+5% on the first $1M/yr then 25%+5%; existing installs pay a flat 20%+5%. Real revenue is usually a mix — run both to bracket your blend."
},
"googleRegion": {
"enum": [
"row",
"usUkEea"
],
"type": "string",
"default": "row",
"description": "Google Play buyer region Google Play only. Google restructured US/UK/EEA fees effective 30 June 2026 — a service fee plus a separate 5% billing fee, keyed to when the user installed your app. Rest-of-world keeps the classic 15%-to-$1M / 30% schedule."
},
"annualRevenue": {
"type": "number",
"default": 200000,
"minimum": 0,
"description": "Gross revenue ($) Gross annual consumer spend, before the store’s cut. STEAM IS DIFFERENT: enter this app’s LIFETIME gross, not annual — Steam’s tiers are marginal on per-app lifetime revenue, so where you sit depends on everything the app has ever earned."
}
},
"additionalProperties": false
}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 what a rate is called and what it actually does to your balance.
| Argument | Type | Description |
|---|---|---|
| mode | string | Convert |
| rate | number | Rate (%) |
| periods | string | Compounding |
{
"type": "object",
"required": [],
"properties": {
"mode": {
"enum": [
"apr-to-apy",
"apy-to-apr"
],
"type": "string",
"default": "apr-to-apy",
"description": "Convert"
},
"rate": {
"type": "number",
"default": 24,
"maximum": 200,
"minimum": 0,
"description": "Rate (%)"
},
"periods": {
"enum": [
"365",
"12",
"4",
"1"
],
"type": "string",
"default": "365",
"description": "Compounding"
}
},
"additionalProperties": false
}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’s reformed 2025-26 system — a marginal calculation (nil to $67,000, then 15% and 17% slices, then a flat 10% of total income at the top) that replaced the old flat-percentage-of-entire-income scale. Three reforms landed within a year (the marginal flip, indexation recut to the lower of CPI/WPI backdated to 2023, and a one-off 20% balance cut in July 2025), so general AI still computes the old system on the old thresholds. The tool also names the input people get wrong: ATO “repayment income” is not your salary — reportable super contributions and net investment losses are added back.
| Argument | Type | Description |
|---|---|---|
| balance | number | HELP debt balance today ($) Your current HELP balance (myGov → ATO → loan accounts). Used for the indexation and payoff-horizon estimates. The default is the national average debt. |
| incomeYear | string | Income year Thresholds are indexed to average weekly earnings each year, so the year changes the answer. |
| hadDebtJun2025 | string | Did you have a HELP balance on 1 June 2025? Balances as at 1 June 2025 received a one-off 20% cut (passed July 2025), applied automatically before that year’s indexation. |
| repaymentIncome | number | ATO repayment income ($) NOT your salary. ATO “repayment income” = taxable income (excluding assessable FHSS released amounts) + reportable fringe benefits + total net investment loss (including net rental losses) + reportable super contributions + exempt foreign employment income. Salary-sacrificed super and negative-gearing losses are added back — a $95k salary with $10k reportable super contributions is $105k repayment income. |
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 volume, and the leverage a price change has on all of it.
| Argument | Type | Description |
|---|---|---|
| price | number | Price per unit |
| fixedCosts | number | Fixed costs / month Rent, salaries, software — costs that don’t vary with volume. |
| currentUnits | number | Current monthly units Optional — adds margin-of-safety analysis. |
| variableCost | number | Variable cost per unit Materials, shipping, payment fees — costs incurred per unit sold. |
{
"type": "object",
"required": [],
"properties": {
"price": {
"type": "number",
"default": 45,
"minimum": 0.01,
"description": "Price per unit"
},
"fixedCosts": {
"type": "number",
"default": 20000,
"minimum": 0,
"description": "Fixed costs / month Rent, salaries, software — costs that don’t vary with volume."
},
"currentUnits": {
"type": "number",
"default": 0,
"minimum": 0,
"description": "Current monthly units Optional — adds margin-of-safety analysis."
},
"variableCost": {
"type": "number",
"default": 18,
"minimum": 0,
"description": "Variable cost per unit Materials, shipping, payment fees — costs incurred per unit sold."
}
},
"additionalProperties": false
}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" for judging any investment or revenue history.
| Argument | Type | Description |
|---|---|---|
| years | number | Years |
| endValue | number | Ending value |
| startValue | number | Starting value |
{
"type": "object",
"required": [],
"properties": {
"years": {
"type": "number",
"default": 5,
"maximum": 100,
"minimum": 0.1,
"description": "Years"
},
"endValue": {
"type": "number",
"default": 180000,
"minimum": 0,
"description": "Ending value"
},
"startValue": {
"type": "number",
"default": 100000,
"minimum": 0.01,
"description": "Starting value"
}
},
"additionalProperties": false
}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 added at purchase or already sitting in the advertised price. In the US, Canada and Japan it is added on top — and in most US states a trade-in is credited before tax is worked out. In the UK, the EU, Australia, Singapore and India, VAT or GST is already inside the sticker, so adding it again overstates the loan by the full tax rate. Pick the market and the rest follows, together with the negative-equity warning the dealership finance office will not give you.
| Argument | Type | Description |
|---|---|---|
| down | number | Down payment |
| rate | number | Interest rate (APR) (%) |
| price | number | Vehicle price |
| market | string | Where are you buying? This is the input that decides whether the answer is right. Where tax is added at purchase (US, Canada, Japan) it is charged on top of the advertised price. Almost everywhere else — the UK, the EU, Australia, Singapore, India — VAT/GST is already inside the price, so adding it again overstates the loan. |
| months | number | Term (mo) |
| tradeIn | number | Trade-in / part-exchange value In most US states a trade-in reduces the amount you are taxed on. Where tax is already in the price it simply lowers what you borrow. |
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 China salary using the actual cumulative withholding method (累计预扣预缴法). Because tax is recomputed on year-to-date income, the same gross salary is withheld more each month as cumulative income climbs the brackets — so your take-home falls through the year. Simple monthly-bracket calculators (and general AI) get every month after the first bracket crossing wrong.
| Argument | Type | Description |
|---|---|---|
| monthlyGross | number | Monthly gross salary Assumed constant across the year. |
| socialInsurance | number | Monthly social insurance & fund (个人部分) Your own 五险一金 deduction per month (专项扣除) — this reduces taxable income. Use the 五险一金 calculator to get it. |
| specialDeductions | number | Monthly special additional deductions (专项附加扣除) Total of children’s education (2,000/child), childcare under 3 (2,000/child), elderly care (up to 3,000), housing loan interest (1,000) or rent (800–1,500), continuing education (400). These cut tax, not cash. |
{
"type": "object",
"required": [],
"properties": {
"monthlyGross": {
"type": "number",
"default": 30000,
"minimum": 0,
"description": "Monthly gross salary Assumed constant across the year."
},
"socialInsurance": {
"type": "number",
"default": 4500,
"minimum": 0,
"description": "Monthly social insurance & fund (个人部分) Your own 五险一金 deduction per month (专项扣除) — this reduces taxable income. Use the 五险一金 calculator to get it."
},
"specialDeductions": {
"type": "number",
"default": 3000,
"minimum": 0,
"description": "Monthly special additional deductions (专项附加扣除) Total of children’s education (2,000/child), childcare under 3 (2,000/child), elderly care (up to 3,000), housing loan interest (1,000) or rent (800–1,500), continuing education (400). These cut tax, not cash."
}
},
"additionalProperties": false
}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-retirement reform (渐进式延迟法定退休年龄) — which staggers the age by birth month, gender, and job track — then estimates your monthly pension (基础养老金 + 个人账户养老金). The reform is under two years old, so general AI still quotes the old 60/55/50 ages; this uses the official cohort tables.
| Argument | Type | Description |
|---|---|---|
| city | string | City / province Sets your province’s pension calculation base (养老金计发基数) — the number you would otherwise have to look up. Pick “Other” to enter your own below. |
| mode | string | Pension figures are… Choose “project” if you are still years from retiring: the account keeps growing at the 记账利率 and contributions keep landing, so today’s balance is not the retirement balance. |
| track | string | Which track are you on? The decisive input. For women it hinges on your file classification (管理/技术岗 vs 工人岗), not job title — and it is the single most disputed point, so choose carefully. |
| avgWage | number | Pension base override 社平工资 (optional) Leave 0 to use your city’s published base above. Enter a number only to override it (or for a city not listed). In “project” mode this is today’s base; it is grown to retirement. |
| asOfYear | number | Today’s figures are from (year) Only used in “project” mode — the year your current balance/base are from. Years-to-retirement is counted from here. |
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 base N (one month per year of service, with the ≥6-month rounding), whether it becomes N+1 (pay in lieu of notice) or 2N (unlawful termination), and the two caps that switch on together for high earners — the base capped at 3× the local average wage and years capped at 12. The termination reason is the input that flips the answer, so it is the first question.
| Argument | Type | Description |
|---|---|---|
| city | string | City Sets the local average wage whose 3× caps the severance base — a figure you would otherwise have to look up. Pick “Other” (or override below) if your city isn’t listed. |
| reason | string | How is employment ending? The decisive input. Resignation with no employer fault pays nothing; unlawful termination doubles it. If unsure which Art. 40 case applies, note that the “+1” is only for a non-fault dismissal given without 30 days’ written notice. |
| monthlyWage | number | Average monthly wage 月均工资 (pre-tax, incl. bonuses) Average of your last 12 months’ gross pay — base salary + bonuses + allowances, before tax and before your own social-insurance/fund deductions (应得工资). Excludes expense reimbursements. |
| localAvgWage | number | Local average wage 社平工资 override (optional) Leave 0 to use your city’s figure above. The severance-cap caliber is legally negotiable in some cities (Hangzhou especially), so override if you have a specific figure. |
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. Contributions are charged on a contribution base — your average monthly wage across the previous year — and that base is clamped between a floor of roughly 60% of the local average wage and a ceiling of 300% of it. The clamp is the whole story: it is why a high earner’s deduction stops growing past a certain salary, and why someone on a low wage pays a larger share of their pay than the headline rate suggests. Both numbers come out here — what leaves the payslip, and what the employer adds on top. Rates and both limits are set city by city and reset every July, so they are yours to enter; the defaults are Beijing 2025, for illustration.
| Argument | Type | Description |
|---|---|---|
| city | string | City Sets the contribution-base floor and ceiling (the ~60%/300%-of-local-average band) — the numbers you would otherwise look up. Pick “Other” to enter your own. |
| gross | number | Monthly gross salary Used as the contribution base after clamping to the city floor/ceiling. If your official contribution base differs from gross, enter that instead. |
| baseFloor | number | Base floor 下限 override (optional) Leave 0 to use your city’s floor. Override for a city not listed. |
| baseCeiling | number | Base ceiling 上限 override (optional) Leave 0 to use your city’s ceiling. Salary above the ceiling is not charged. |
| housingFundRate |
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. Splits the outcome into what you put in versus what compounding earned, and sanity-checks the assumptions.
| Argument | Type | Description |
|---|---|---|
| rate | number | Annual return (%) Nominal annual return. 7% is a common long-run equity assumption. |
| years | number | Years (yr) |
| monthly | number | Monthly contribution |
| principal | number | Starting amount |
{
"type": "object",
"required": [],
"properties": {
"rate": {
"type": "number",
"default": 7,
"maximum": 50,
"minimum": -20,
"description": "Annual return (%) Nominal annual return. 7% is a common long-run equity assumption."
},
"years": {
"type": "number",
"default": 10,
"maximum": 80,
"minimum": 1,
"description": "Years (yr)"
},
"monthly": {
"type": "number",
"default": 500,
"minimum": 0,
"description": "Monthly contribution"
},
"principal": {
"type": "number",
"default": 10000,
"minimum": 0,
"description": "Starting amount"
}
},
"additionalProperties": false
}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 layer on five platforms. Platform fees drift constantly and general AI quotes stale ones — Patreon moved new creators to a flat 10% on 4 Aug 2025 (models still recite the old 5/8/12 tiers), Twitch restructured its split into Plus Points in 2024, OnlyFans changed its payout minimum in Apr 2026. And the advertised "platform cut" is never the whole story: payment processing adds 3–7 points on the subscription platforms, and the per-transaction fixed fee makes small pledges dramatically more expensive — a $3 Patreon pledge loses about 8% to processing alone, a $50 pledge about 3.5%. This tool computes the all-in take rate, which no advertised number states.
| Argument | Type | Description |
|---|---|---|
| platform | string | Platform Each platform has a completely different fee structure — this decides everything below. |
| patreonPlan | string | Patreon fee plan Patreon only. Pages created after 4 Aug 2025 pay a flat 10%. Older pages keep their legacy 5/8/12% plan — but unpublishing your page permanently converts you to 10%. It is a one-way door. |
| twitchSplit | string | Twitch sub split tier Twitch only. Plus Points come from paid subs sustained over 3 months: Tier 1 = 1 point, Tier 2 = 2, Tier 3 = 6; gifted subs and Prime subs do NOT count. 100 points unlocks 60%, 300 points unlocks 70%, with a 12-month rate lock once qualified. |
| monthlyGross | number | Monthly gross platform revenue ($) Before ANY cut. For YouTube: the ad revenue allocated to your videos (for Shorts, your allocation from the creator pool). For subscription platforms: total pledges/subs at list price. |
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 payoff acceleration from paying more — the math credit card statements are legally required to hint at and everyone ignores.
| Argument | Type | Description |
|---|---|---|
| apr | number | APR (%) |
| balance | number | Balance |
| payment | number | Monthly payment |
{
"type": "object",
"required": [],
"properties": {
"apr": {
"type": "number",
"default": 24,
"maximum": 60,
"minimum": 0,
"description": "APR (%)"
},
"balance": {
"type": "number",
"default": 6000,
"minimum": 1,
"description": "Balance"
},
"payment": {
"type": "number",
"default": 200,
"minimum": 1,
"description": "Monthly payment"
}
},
"additionalProperties": false
}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 rate — the neutral mid-market rate — and tells you the part every converter hides: the spread your bank or card will add on top of it.
| Argument | Type | Description |
|---|---|---|
| to | string | To |
| from | string | From |
| amount | number | Amount |
{
"type": "object",
"required": [],
"properties": {
"to": {
"enum": [
"USD",
"EUR",
"GBP",
"JPY",
"CNY",
"INR",
"KRW",
"AUD",
"CAD",
"CHF",
"HKD",
"SGD",
"THB",
"IDR",
"MYR",
"PHP",
"BRL",
"MXN",
"ZAR",
"TRY",
"SEK",
"NOK",
"DKK",
"PLN",
"CZK",
"HUF",
"RON",
"BGN",
"ILS",
"NZD",
"ISK"
],
"type": "string",
"default": "EUR",
"description": "To"
},
"from": {
"enum": [
"USD",
"EUR",
"GBP",
"JPY",
"CNY",
"INR",
"KRW",
"AUD",
"CAD",
"CHF",
"HKD",
"SGD",
"THB",
"IDR",
"MYR",
"PHP",
"BRL",
"MXN",
"ZAR",
"TRY",
"SEK",
"NOK",
"DKK",
"PLN",
"CZK",
"HUF",
"RON",
"BGN",
"ILS",
"NZD",
"ISK"
],
"type": "string",
"default": "USD",
"description": "From"
},
"amount": {
"type": "number",
"default": 1000,
"minimum": 0,
"description": "Amount"
}
},
"additionalProperties": false
}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 every borrower comparing offers needs: flat rate and reducing-balance rate are not the same thing.
| Argument | Type | Description |
|---|---|---|
| rate | number | Interest rate (reducing balance) (%) |
| months | number | Tenure (mo) |
| principal | number | Loan amount |
{
"type": "object",
"required": [],
"properties": {
"rate": {
"type": "number",
"default": 9,
"maximum": 40,
"minimum": 0,
"description": "Interest rate (reducing balance) (%)"
},
"months": {
"type": "number",
"default": 120,
"maximum": 480,
"minimum": 1,
"description": "Tenure (mo)"
},
"principal": {
"type": "number",
"default": 1000000,
"minimum": 1,
"description": "Loan amount"
}
},
"additionalProperties": false
}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 savings and monthly contributions take to reach it.
| Argument | Type | Description |
|---|---|---|
| swr | number | Withdrawal rate (%) The classic "4% rule". Lower is safer. |
| rate | number | Expected annual return (%) |
| current | number | Current portfolio |
| monthly | number | Monthly investing |
| expenses | number | Annual spending |
{
"type": "object",
"required": [],
"properties": {
"swr": {
"type": "number",
"default": 4,
"maximum": 10,
"minimum": 1,
"description": "Withdrawal rate (%) The classic \"4% rule\". Lower is safer."
},
"rate": {
"type": "number",
"default": 7,
"maximum": 50,
"minimum": -20,
"description": "Expected annual return (%)"
},
"current": {
"type": "number",
"default": 50000,
"minimum": 0,
"description": "Current portfolio"
},
"monthly": {
"type": "number",
"default": 1500,
"minimum": 0,
"description": "Monthly investing"
},
"expenses": {
"type": "number",
"default": 40000,
"minimum": 1,
"description": "Annual spending"
}
},
"additionalProperties": false
}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 a reference period (1 June – 31 May) that includes sick leave, under France’s April 2024 reform (loi 2024-364 “DDADUE”, Code du travail L3141-3/-5/-5-1). Until that law, ordinary sick leave earned NO paid holiday — decades of French web pages and the AI trained on them still say so — but the law now says the opposite: ordinary sick months accrue 2 jours ouvrables per month (capped at 24 sick-accrued days per period) and work-accident/occupational-illness (AT/MP) months accrue the full 2.5, with the old one-year limit removed. The decisive input is the absence type — it changes both the rate and the cap — and the 15-month carry-over clock that only starts when your employer informs you decides whether the days survive at all.
| Argument | Type | Description |
|---|---|---|
| convention | string | Your company counts holiday in… The Code counts in jours ouvrables (6-day weeks, 30/year max). Many companies convert to jours ouvrés (5-day weeks, 25/year) — the ×5/6 conversion must never leave you worse off. |
| sickMonths | number | Months on sick leave in the reference period (mo) Months of sick absence between 1 June and 31 May (the legal reference period). Count each month the arrêt covered. |
| absenceType | string | What kind of sick leave? THE gate — ordinary sick months accrue 2 jours ouvrables/month (sick-accrued portion capped at 24 per period); AT/MP months accrue the full 2.5, and the old one-year limit on AT/MP accrual is gone. |
| workedMonths |
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 overhead, time off, and the self-employment tax gap that makes a freelance hour worth less than an employed one.
| Argument | Type | Description |
|---|---|---|
| overhead | number | Business costs / year Software, equipment, insurance, coworking, accounting. |
| weeksOff | number | Weeks off / year Vacation + sick + dry spells between clients. |
| taxBuffer | number | Tax & contributions buffer (%) Income tax + self-employment/social contributions on profit. |
| targetIncome | number | Target annual take-home |
| billableHours | number | Billable hours / week Realistic for full-time freelancing: 20-30. Sales, admin, and email are not billable. |
{
"type": "object",
"required": [],
"properties": {
"overhead": {
"type": "number",
"default": 8000,
"minimum": 0,
"description": "Business costs / year Software, equipment, insurance, coworking, accounting."
},
"weeksOff": {
"type": "number",
"default": 6,
"maximum": 30,
"minimum": 0,
"description": "Weeks off / year Vacation + sick + dry spells between clients."
},
"taxBuffer": {
"type": "number",
"default": 30,
"maximum": 60,
"minimum": 0,
"description": "Tax & contributions buffer (%) Income tax + self-employment/social contributions on profit."
},
"targetIncome": {
"type": "number",
"default": 80000,
"minimum": 1,
"description": "Target annual take-home"
},
"billableHours": {
"type": "number",
"default": 25,
"maximum": 60,
"minimum": 1,
"description": "Billable hours / week Realistic for full-time freelancing: 20-30. Sales, admin, and email are not billable."
}
},
"additionalProperties": false
}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. Computes German parental allowance (Elterngeld): the eligibility income cap that depends on your child’s birth date (€175,000 for births from 1 April 2025; €200,000 for the year before; €300,000/€250,000 earlier — general AI quotes stale caps or invents a €150,000 single cap that has never existed), the exact BEEG §2 sliding replacement rate (67% only between €1,000–1,200 net — 65% above €1,240, up to 100% at low incomes), the €300–€1,800 Basiselterngeld clamp unchanged since 2007, ElterngeldPlus (half the amount, double the months), Geschwisterbonus, and Mehrlingszuschlag for multiples.
| Argument | Type | Description |
|---|---|---|
| variant | string | Which variant? ElterngeldPlus pays half the Basis amount for double the months — designed for working part-time while receiving. Both are shown; this picks the headline. |
| household | string | Household Only the pre-Apr-2024 cohort has different caps by household type. Single parents can claim all partner months themselves. |
| multiples | number | Children in this birth Twins = 2. Mehrlingszuschlag adds €300 per additional child of the same birth (€150 in Plus months). |
| monthlyNet | number | Your average monthly net earned income before birth (€/mo) Average monthly NET earned income of the 12 months before birth (before Mutterschutz for the mother). Months on Elterngeld for an older child, on Mutterschaftsgeld, or ill due to pregnancy are skipped — the window reaches further back instead. |
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-rate systems (Australia 10%, New Zealand 15%, Singapore 9%, Canada 5% federal) built into the rate picker.
| Argument | Type | Description |
|---|---|---|
| mode | string | Direction |
| rate | string | GST rate |
| amount | number | Amount |
{
"type": "object",
"required": [],
"properties": {
"mode": {
"enum": [
"add",
"remove"
],
"type": "string",
"default": "add",
"description": "Direction"
},
"rate": {
"enum": [
"5",
"12",
"18",
"28",
"10",
"15",
"9",
"13"
],
"type": "string",
"default": "18",
"description": "GST rate"
},
"amount": {
"type": "number",
"default": 25000,
"minimum": 0,
"description": "Amount"
}
},
"additionalProperties": false
}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 on debt-to-income ratios — 28% of gross income on housing, 36% on all debt — which cap the monthly payment and let the loan fall out of it. UK and Australian lenders cap the loan itself at a multiple of income, around 4.5x, then stress-test the payment at a rate above the one you are quoted. This applies whichever rule is yours, and names the binding limit.
| Argument | Type | Description |
|---|---|---|
| down | number | Down payment saved |
| rate | number | Mortgage rate (%) |
| years | number | Term (yr) |
| income | number | Gross annual income |
| method | string | How does your lender decide? US lenders underwrite on two debt-to-income ratios. UK and Australian lenders cap the loan at a multiple of income (about 4.5×) and then stress-test the payment. The two produce materially different answers on the same income. |
| monthlyDebts | number | Existing monthly debt payments Car loans, student loans, card minimums — not rent or utilities. |
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 corporation pays 8.25% on the first HK$2 million of assessable profits and 16.5% above; an eligible sole proprietorship or partnership pays 7.5% and 15%. But only one connected entity can elect the two-tiered rates for a year. This calculator makes that hidden eligibility branch explicit and shows the saving against the full rate.
| Argument | Type | Description |
|---|---|---|
| profit | number | Assessable profits (HKD) Enter Hong Kong assessable profits after allowable deductions. Accounting profit, offshore-source questions and loss carry-forwards must be resolved before this figure. |
| tiered | string | Can this entity use the two-tiered rates? Only one connected entity may elect the two-tiered rates in the same year. Control generally means more than 50% of capital, voting rights, or entitlement to capital or profits. |
| entityType | string | Entity type |
{
"type": "object",
"required": [],
"properties": {
"profit": {
"type": "number",
"default": 3000000,
"maximum": 10000000000,
"minimum": 0,
"description": "Assessable profits (HKD) Enter Hong Kong assessable profits after allowable deductions. Accounting profit, offshore-source questions and loss carry-forwards must be resolved before this figure."
},
"tiered": {
"enum": [
"yes",
"no"
],
"type": "string",
"default": "yes",
"description": "Can this entity use the two-tiered rates? Only one connected entity may elect the two-tiered rates in the same year. Control generally means more than 50% of capital, voting rights, or entitlement to capital or profits."
},
"entityType": {
"enum": [
"corporation",
"unincorporated"
],
"type": "string",
"default": "corporation",
"description": "Entity type"
}
},
"additionalProperties": false
}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, france, canada, australia, india, taiwan, south-korea, vietnam, thailand, indonesia, malaysia, spain, italy, portugal, brazil, mexico, argentina.
| Argument | Type | Description |
|---|---|---|
| country* | string | Country key |
| deduction | number | Deductions (optional; defaults to the country's standard deduction/allowance) |
| annualIncome* | number | Annual gross income in the country's local currency |
{
"type": "object",
"required": [
"country",
"annualIncome"
],
"properties": {
"country": {
"enum": [
"usa",
"uk",
"china",
"japan",
"germany",
"france",
"canada",
"australia",
"india",
"taiwan",
"south-korea",
"vietnam",
"thailand",
"indonesia",
"malaysia",
"spain",
"italy",
"portugal",
"brazil",
"mexico",
"argentina"
],
"type": "string",
"description": "Country key"
},
"deduction": {
"type": "number",
"description": "Deductions (optional; defaults to the country's standard deduction/allowance)"
},
"annualIncome": {
"type": "number",
"description": "Annual gross income in the country's local currency"
}
},
"additionalProperties": false
}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 calculations and charges you the lower one: progressive rates of 2% to 17% on what remains after your allowances, or a flat standard rate on your income before any allowances at all — 15% on the first HK$5,000,000, 16% above it. Which one wins turns entirely on your allowances, so a married taxpayer with children crosses over at a far higher salary than someone single. Most calculators model only the progressive scale, and so does most AI, which is why both overstate the bill for higher earners, sometimes by a lot. This runs both, shows you which one binds and by how much, and takes off the year’s one-off reduction at the end.
| Argument | Type | Description |
|---|---|---|
| mpf | number | MPF mandatory contributions (HK$) Deductible up to HK$18,000 a year. Employee mandatory contributions only — voluntary ones are not deductible under this cap. |
| year | string | Year of assessment Allowances rose in 2026/27 (basic HK$132,000 → HK$145,000). The one-off reduction for 2026/27 has not been announced yet, so it is treated as zero until the February 2027 Budget. |
| income | number | Annual income (HK$) Total assessable income for the year — salary, bonus, commission, and the rental value of any employer-provided housing. |
| status | string | Assessment basis The decisive input. Joint assessment doubles the basic allowance, which raises the income at which the standard rate takes over — the crossover is net income above 8.5 × allowances + HK$900,000. |
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, 2026 Box 1 rates include national insurance, then the algemene heffingskorting and arbeidskorting reduce the tax substantially before phasing out as income rises. This salary-only calculator shows the tax before credits, each credit, the final amount, and take-home pay.
| Argument | Type | Description |
|---|---|---|
| annualIncome | number | Annual gross employment income (EUR) Salary and other employment income used for the arbeidskorting. This model is for someone below AOW age throughout 2026. |
{
"type": "object",
"required": [],
"properties": {
"annualIncome": {
"type": "number",
"default": 45000,
"maximum": 10000000,
"minimum": 0,
"description": "Annual gross employment income (EUR) Salary and other employment income used for the arbeidskorting. This model is for someone below AOW age throughout 2026."
}
},
"additionalProperties": false
}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% after eligible personal reliefs; non-resident employees pay the higher of 15% of employment income or the resident-rate calculation, while non-resident directors and most other non-resident income are taxed at 24%. This calculator runs the correct branch instead of silently assuming everyone is resident.
| Argument | Type | Description |
|---|---|---|
| status | string | Tax status and income type Residents generally include citizens or PRs who reside in Singapore and foreigners meeting an IRAS residence test. The non-resident employee option assumes the employment income is taxable rather than covered by the short-term exemption. |
| reliefs | number | Eligible personal reliefs (SGD) Resident only. Enter the total you qualify for, including earned-income and eligible CPF reliefs. IRAS caps total personal reliefs at S$80,000 per YA. |
| annualIncome | number | Annual taxable income before reliefs (SGD) |
{
"type": "object",
"required": [],
"properties": {
"status": {
"enum": [
"resident",
"nonResidentEmployee",
"nonResidentOther"
],
"type": "string",
"default": "resident",
"description": "Tax status and income type Residents generally include citizens or PRs who reside in Singapore and foreigners meeting an IRAS residence test. The non-resident employee option assumes the employment income is taxable rather than covered by the short-term exemption."
},
"reliefs": {
"type": "number",
"default": 0,
"maximum": 80000,
"minimum": 0,
"description": "Eligible personal reliefs (SGD) Resident only. Enter the total you qualify for, including earned-income and eligible CPF reliefs. IRAS caps total personal reliefs at S$80,000 per YA."
},
"annualIncome": {
"type": "number",
"default": 60000,
"maximum": 100000000,
"minimum": 0,
"description": "Annual taxable income before reliefs (SGD)"
}
},
"additionalProperties": false
}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 force since 21 Nov 2025 (general AI often still says the Labour Codes are pending). The formula looks unchanged — wages × 15/26 per year of service — but two decisive inputs are hidden: the §2(88) wage definition floors the gratuity base at 50% of total remuneration when basic + DA is kept low (most modern salary structures), and fixed-term employees now qualify after just 1 year instead of 5. Both can turn the “obvious” answer from wrong to right by lakhs.
| Argument | Type | Description |
|---|---|---|
| basicDA | number | Monthly basic + DA last drawn Basic pay + dearness allowance (+ retaining allowance, if any) in your last drawn month. Gratuity runs on last-drawn wages, not an average. |
| exitReason | string | Why is employment ending? Death or disablement waives the qualifying-service requirement entirely; the formula is otherwise the same. |
| serviceYears | number | Completed years of service Whole completed years of continuous service. Put the leftover months in the next field. |
| employmentType | string | What kind of employment? This gate is the headline change — fixed-term employees now qualify after just 1 year (pro-rata), and working journalists after 3. Under the old Act the answer for a 2-year fixed-term worker was simply ₹0. |
| totalRemuneration | number |
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. Computes Japanese childcare-leave benefits: the base 育児休業給付金 (67% of your daily wage for the first 180 benefit days, 50% after) and the 出生後休業支援給付金 introduced April 2025 — a +13% top-up on up to 28 days that lifts them to 80% gross, roughly 100% of normal net take-home once the tax and social-insurance exemptions are counted. General AI still answers 67% (the top-up postdates most training data) and garbles the condition’s asymmetry: the father’s +13% is satisfied automatically while the employed mother is on 産後休業 — it is the mother’s claim that needs the father to take ≥14 days (or a waiver). Uses the caps valid 1 Aug 2026 – 31 Jul 2027 (¥16,540 daily ceiling; ¥60,205 top-up cap per 28 days); every cap revises each 1 August.
| Argument | Type | Description |
|---|---|---|
| claimant | string | Who is claiming? The asymmetry general AI misses: a father’s +13% condition is satisfied AUTOMATICALLY while the employed mother is on maternity leave (産後休業 counts as waiver #6) — he only needs his own ≥14 days. The MOTHER’s claim is the one that needs the father to take ≥14 days of leave, unless a waiver applies (spouse not employed / self-employed / single parent). |
| leaveDays | number | Leave days to model (days) Total benefit days you plan to take. The 67% rate runs for the first 180 benefit days (the counter includes 産後パパ育休 days), then steps down to 50%. |
| monthlyWage | number | Average monthly wage before leave (¥/mo) Average of the 6 months of wages before the leave starts — this sets your 賃金日額 (daily wage) = wage × 6 ÷ 180 = wage ÷ 30. Use gross pay including fixed allowances, before tax and social insurance. |
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 benefit (육아휴직급여) under the rules in force since 1 January 2025: months 1–3 at 100% of ordinary wage capped ₩2,500,000, months 4–6 at 100% capped ₩2,000,000, months 7+ at 80% capped ₩1,600,000 — paid in full every month, because the 25% withheld-until-return (사후지급금) is abolished. When BOTH parents take leave for a child under 18 months, months 1–6 switch to the 6+6 scheme’s escalating 100% caps of ₩2.5M/₩2.5M/₩3.0M/₩3.5M/₩4.0M/₩4.5M per parent (the ladder ends at ₩4.5M — a ₩5.0M figure circulates and is wrong). Single parents get months 1–3 at 100% capped ₩3,000,000. General AI still describes the pre-2025 system (80% flat, ₩1.5M cap, 25% withheld) — all three facts are dead.
| Argument | Type | Description |
|---|---|---|
| months | number | Months of leave to model (mo) Standard entitlement is 12 months per parent. It extends to 18 months when both parents each take at least 3 months, for single parents, or for a child with a severe disability. |
| scheme | string | Which scheme applies? The decisive input nobody volunteers: whether BOTH parents take leave (simultaneously or one after the other) for a child under 18 months. If yes, months 1–6 flip to the 6+6 scheme’s escalating 100% caps — up to ₩4.5M/month per parent instead of ₩2.5M/₩2.0M. |
| monthlyWage | number | Ordinary monthly wage (통상임금) (₩/mo) Your 통상임금 — the ordinary wage the benefit is computed on (base pay plus fixed regular allowances), not total compensation with variable bonuses and overtime. |
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 showing time and interest saved.
| Argument | Type | Description |
|---|---|---|
| rate | number | Annual interest rate (%) |
| years | number | Term (yr) |
| amount | number | Loan amount |
{
"type": "object",
"required": [],
"properties": {
"rate": {
"type": "number",
"default": 5,
"maximum": 60,
"minimum": 0,
"description": "Annual interest rate (%)"
},
"years": {
"type": "number",
"default": 30,
"maximum": 50,
"minimum": 0.5,
"description": "Term (yr)"
},
"amount": {
"type": "number",
"default": 300000,
"minimum": 1,
"description": "Loan amount"
}
},
"additionalProperties": false
}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 is actually plausible — the check most pitch decks skip.
| Argument | Type | Description |
|---|---|---|
| arpa | number | Annual revenue per customer |
| samPct | number | Serviceable share (%) Share you can actually reach: your segment, geography, language, channel. |
| somPct | number | Obtainable share of SAM (%) Realistic share you win in ~3–5 years given competition. |
| accounts | number | Potential customers in market Total count of businesses/people who could conceivably buy this category. |
{
"type": "object",
"required": [],
"properties": {
"arpa": {
"type": "number",
"default": 1200,
"minimum": 0.01,
"description": "Annual revenue per customer"
},
"samPct": {
"type": "number",
"default": 40,
"maximum": 100,
"minimum": 0.1,
"description": "Serviceable share (%) Share you can actually reach: your segment, geography, language, channel."
},
"somPct": {
"type": "number",
"default": 5,
"maximum": 100,
"minimum": 0.01,
"description": "Obtainable share of SAM (%) Realistic share you win in ~3–5 years given competition."
},
"accounts": {
"type": "number",
"default": 200000,
"minimum": 1,
"description": "Potential customers in market Total count of businesses/people who could conceivably buy this category."
}
},
"additionalProperties": false
}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 reform (LFT Art. 76, in force 1 Jan 2023), the 25% prima vacacional (Art. 80), and the 15-day aguinaldo due by 20 December (Art. 87), pro-rated for partial years. The internet — and AI trained on it — is saturated with the pre-2023 table that gave just 6 days in year one; the reform doubled that to 12 and re-banded the rest, and the +2-days-per-five-years banding after year 5 is precisely where models and stale HR pages still get it wrong. All amounts use your base salary: the SDI (integrated wage) is for IMSS only, and using it here double-counts the benefits being calculated.
| Argument | Type | Description |
|---|---|---|
| serviceYears | number | Completed years of service Count FULL years only — vacation entitlement vests on completing each year of service (2 years 8 months = 2). Enter 0 if you have not yet completed your first year. |
| monthlySalary | number | Monthly base salary (MX$) Your base salary (cuota diaria = monthly ÷ 30) — NOT the SDI. The integrated wage (salario diario integrado) is for IMSS contributions only; using it here double-counts the very benefits being calculated. |
| daysWorkedThisYear | number | Days worked this calendar year For the aguinaldo pro-rata: worked less than the full year (started mid-year, leaving early) and the 15 days scale by days worked ÷ 365. Leave 365 for a full year. |
{
"type": "object",
"required": [],
"properties": {
"serviceYears": {
"type": "number",
"default": 3,
"maximum": 45,
"minimum": 0,
"description": "Completed years of service Count FULL years only — vacation entitlement vests on completing each year of service (2 years 8 months = 2). Enter 0 if you have not yet completed your first year."
},
"monthlySalary": {
"type": "number",
"default": 15000,
"minimum": 1,
"description": "Monthly base salary (MX$) Your base salary (cuota diaria = monthly ÷ 30) — NOT the SDI. The integrated wage (salario diario integrado) is for IMSS contributions only; using it here double-counts the very benefits being calculated."
},
"daysWorkedThisYear": {
"type": "number",
"default": 365,
"maximum": 365,
"minimum": 0,
"description": "Days worked this calendar year For the aguinaldo pro-rata: worked less than the full year (started mid-year, leaving early) and the 15 days scale by days worked ÷ 365. Leave 365 for a full year."
}
},
"additionalProperties": false
}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: property tax, home insurance, and PMI when the down payment is under 20%. The headline number here is the full PITI cost of owning.
| Argument | Type | Description |
|---|---|---|
| rate | number | Interest rate (%) |
| price | number | Home price |
| years | number | Term (yr) |
| market | string | Where are you buying? Private mortgage insurance is a US product. Most other markets price the same lender risk into the interest rate instead, so no separate PMI line is charged. |
| downPct | number | Down payment (%) |
| insurance | number | Home insurance / year |
| propertyTax | number | Property tax / year |
{
"type": "object",
"required": [],
"properties": {
"rate": {
"type": "number",
"default": 6.5,
"maximum": 30,
"minimum": 0,
"description": "Interest rate (%)"
},
"price": {
"type": "number",
"default": 400000,
"minimum": 1,
"description": "Home price"
},
"years": {
"type": "number",
"default": 30,
"maximum": 50,
"minimum": 1,
"description": "Term (yr)"
},
"market": {
"enum": [
"US",
"OTHER"
],
"type": "string",
"default": "US",
"description": "Where are you buying? Private mortgage insurance is a US product. Most other markets price the same lender risk into the interest rate instead, so no separate PMI line is charged."
},
"downPct": {
"type": "number",
"default": 20,
"maximum": 100,
"minimum": 0,
"description": "Down payment (%)"
},
"insurance": {
"type": "number",
"default": 1500,
"minimum": 0,
"description": "Home insurance / year"
},
"propertyTax": {
"type": "number",
"default": 4000,
"minimum": 0,
"description": "Property tax / year"
}
},
"additionalProperties": false
}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 thing: the year it was first granted. Granted in 2023 or earlier and it stays at 30%, on the old salary threshold, for its whole term. Granted in 2024 and it falls to 27% in 2027 but keeps that old threshold. Granted from 2025 and it is 27% on the higher threshold from the start. General-purpose AI collapses all of this into “it’s 30%” or “it’s being scrapped”, and for most people both are wrong. The questions that actually decide it are narrow — when your ruling started, whether you lived more than 150km from the Dutch border before you moved, and how many months you had already spent in the country — and this asks them, then works out what comes to you tax-free.
| Argument | Type | Description |
|---|---|---|
| year | string | Computation year The rate (30% → 27%) and the salary norms change at the 2026/2027 boundary — differently per cohort. |
| cohort | string | When was (will) your 30% ruling first granted? The decisive input. The 2027 transition is THREE cohorts, not two: 2023-and-earlier keep 30% AND the old salary norm for their full term; 2024 starters drop to 27% in 2027 but KEEP the old norm; 2025-and-later starters get 27% AND the higher norm from 2027. |
| salary | number | Annual gross salary (total compensation) (€) Your total agreed gross pay, before the tax-free allowance is carved out of it. The salary norm tests what remains TAXABLE after the allowance — the tool handles that split. |
| distanceOk | string |
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 toolkit, with the IRR pitfalls flagged instead of hidden.
| Argument | Type | Description |
|---|---|---|
| rate | number | Discount rate (%) Your hurdle rate / cost of capital. |
| cashflows | array | Cashflows by year Year 0 first (usually negative), then one value per year. Comma-separated. |
{
"type": "object",
"required": [],
"properties": {
"rate": {
"type": "number",
"default": 10,
"maximum": 100,
"minimum": 0,
"description": "Discount rate (%) Your hurdle rate / cost of capital."
},
"cashflows": {
"type": "array",
"items": {
"type": "number"
},
"default": [
-100000,
30000,
40000,
50000,
40000
],
"description": "Cashflows by year Year 0 first (usually negative), then one value per year. Comma-separated."
}
},
"additionalProperties": false
}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 York: applies the deterministic statutory-residence test of NY Tax Law §605(b)(1)(B) — a permanent place of abode maintained for substantially all of the year AND more than 183 days of presence — plus the separate New York City test. General AI compresses this to "183 days = resident" and misses both gates: without a permanent place of abode, 300 days in NY doesn't make you a statutory resident, and with one, day 184 does — where a 20-minute stop in the state counts as a full day. Domicile (whether New York is your true home) is a separate facts-and-circumstances battle this tool does not decide.
| Argument | Type | Description |
|---|---|---|
| abode | string | Do you maintain a dwelling in New York? The trap: people count days but don't know that a NYC crash pad, a company apartment principally available to you, or even a sublet counts as a "permanent place of abode". Vacation homes are generally not one (Obus, 2022); undergraduate apartments are disregarded by policy. |
| daysNY | number | Days with any presence in New York State Any part of a day = a full day. Only two exceptions: pure travel-through (boarding a flight or train out, driving through) and inpatient medical confinement. Outpatient visits and "just dinner in the city" days COUNT. |
| daysNYC | number | Of those, days with any presence in the five boroughs For the separate New York City resident test. Leave 0 if NYC doesn't apply to you. |
| abodeInNYC | string |
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 e Inovação, widely called "NHR 2.0"): 20% flat tax on eligible-activity Portuguese income for 10 years, with most foreign income exempt. The old NHR closed to new entrants on 1 Jan 2024, yet general AI still tells people to "apply for NHR" and quotes its 10% foreign-pension rate — gone: IFICI taxes foreign pensions at full progressive rates. The real gate is an activity test across six routes with route-specific certifying entities (FCT, AT, ANI, Startup Portugal, AICEP) — this tool walks the gates in order and names the route, the certifier, and the registration deadline.
| Argument | Type | Description |
|---|---|---|
| activity | string | Which eligible activity fits you? THE gate. IFICI is not a general expat regime — your work must fit one of these routes, each certified by a different entity. Annex-I professions include directors, physical-science/engineering specialists, doctors, university professors, and ICT specialists. |
| ptIncome | number | Expected annual PT income from the eligible activity (€) Employment or self-employment income from the eligible activity, per year — the income the 20% flat rate would apply to. |
| formerRegime | string | Did you ever benefit from the old NHR or the Programa Regressar? Either one bars you from IFICI. If your old NHR 10-year term is still running you keep it under the old rules — you just cannot switch to IFICI. |
| qualification | string |
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-home pay rather than gross (you buy things with net money). For recurring costs it adds the yearly bill, the share of your working year, and what the same money becomes if invested instead. Time is the one budget everyone understands.
| Argument | Type | Description |
|---|---|---|
| pay | number | Pay (gross) Hourly rate or annual salary, before tax — the next field nets it down. |
| price | number | Price |
| cadence | string | How often |
| payMode | string | You earn |
| takeHomePct | number | Take-home share (%) The share of gross you actually keep after tax and contributions. Typical full-time range: 65–85%. |
{
"type": "object",
"required": [],
"properties": {
"pay": {
"type": "number",
"default": 25,
"minimum": 0.01,
"description": "Pay (gross) Hourly rate or annual salary, before tax — the next field nets it down."
},
"price": {
"type": "number",
"default": 1200,
"minimum": 0.01,
"description": "Price"
},
"cadence": {
"enum": [
"once",
"monthly",
"yearly"
],
"type": "string",
"default": "once",
"description": "How often"
},
"payMode": {
"enum": [
"hourly",
"salary"
],
"type": "string",
"default": "hourly",
"description": "You earn"
},
"takeHomePct": {
"type": "number",
"default": 75,
"maximum": 100,
"minimum": 10,
"description": "Take-home share (%) The share of gross you actually keep after tax and contributions. Typical full-time range: 65–85%."
}
},
"additionalProperties": false
}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 discounting at your margin.
| Argument | Type | Description |
|---|---|---|
| cost | number | Unit cost |
| price | number | Selling price |
| discount | number | Planned discount (%) |
{
"type": "object",
"required": [],
"properties": {
"cost": {
"type": "number",
"default": 30,
"minimum": 0.01,
"description": "Unit cost"
},
"price": {
"type": "number",
"default": 50,
"minimum": 0.01,
"description": "Selling price"
},
"discount": {
"type": "number",
"default": 0,
"maximum": 90,
"minimum": 0,
"description": "Planned discount (%)"
}
},
"additionalProperties": false
}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 employer was quietly covering (health insurance above all), and the income you’d be growing instead. Answers the two questions that matter: how many months you have, and whether the new income crosses your costs before month zero.
| Argument | Type | Description |
|---|---|---|
| savings | number | Savings you can spend Liquid only — not retirement accounts you’d pay penalties to touch. |
| growthPct | number | That income’s growth / month (%) How fast the new thing is growing, from evidence so far. 0 = flat. |
| essentials | number | Essential monthly spending The quit-mode budget, not your current lifestyle. |
| extraCosts | number | New costs after quitting What the job was covering: health insurance (US COBRA/marketplace often $400–800/person), phone, equipment. |
| sideIncome | number | Monthly income that continues Freelance, side project, partner contribution to your share — income that survives the quit. |
{
"type": "object",
"required": [],
"properties": {
"savings": {
"type": "number",
"default": 30000,
"minimum": 0,
"description": "Savings you can spend Liquid only — not retirement accounts you’d pay penalties to touch."
},
"growthPct": {
"type": "number",
"default": 5,
"maximum": 50,
"minimum": 0,
"description": "That income’s growth / month (%) How fast the new thing is growing, from evidence so far. 0 = flat."
},
"essentials": {
"type": "number",
"default": 3000,
"minimum": 1,
"description": "Essential monthly spending The quit-mode budget, not your current lifestyle."
},
"extraCosts": {
"type": "number",
"default": 500,
"minimum": 0,
"description": "New costs after quitting What the job was covering: health insurance (US COBRA/marketplace often $400–800/person), phone, equipment."
},
"sideIncome": {
"type": "number",
"default": 500,
"minimum": 0,
"description": "Monthly income that continues Freelance, side project, partner contribution to your share — income that survives the quit."
}
},
"additionalProperties": false
}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 money" means something completely different over 2 years versus 12.
| Argument | Type | Description |
|---|---|---|
| cost | number | Total invested |
| years | number | Holding period (yr) |
| finalValue | number | Final value (or total returned) |
{
"type": "object",
"required": [],
"properties": {
"cost": {
"type": "number",
"default": 50000,
"minimum": 0.01,
"description": "Total invested"
},
"years": {
"type": "number",
"default": 3,
"maximum": 100,
"minimum": 0,
"description": "Holding period (yr)"
},
"finalValue": {
"type": "number",
"default": 72000,
"minimum": 0,
"description": "Final value (or total returned)"
}
},
"additionalProperties": false
}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: raises take 3–6 months, and 18–24 months post-raise is the norm.
| Argument | Type | Description |
|---|---|---|
| burn | number | Net monthly burn Expenses minus revenue. Use the average of the last 3 months. |
| cash | number | Cash in bank |
| burnChange | number | Burn change / month (%) Positive if burn is growing (hiring), negative if revenue is catching up. |
{
"type": "object",
"required": [],
"properties": {
"burn": {
"type": "number",
"default": 40000,
"minimum": 0.01,
"description": "Net monthly burn Expenses minus revenue. Use the average of the last 3 months."
},
"cash": {
"type": "number",
"default": 500000,
"minimum": 0,
"description": "Cash in bank"
},
"burnChange": {
"type": "number",
"default": 0,
"maximum": 100,
"minimum": -50,
"description": "Burn change / month (%) Positive if burn is growing (hiring), negative if revenue is catching up."
}
},
"additionalProperties": false
}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) under Saudi Labor Law: the Art. 84 base (half a month per year for the first five years, a full month per year after, on the LAST actual wage), then the branch the termination reason selects — full award for employer-side endings, the Art. 85 ladder (0 / 1/3 / 2/3 / full at exactly 2, 5, and 10 years) for resignation, and ZERO for an Art. 80 misconduct dismissal. General AI reliably gets this wrong by porting UAE rules into KSA: the UAE abolished resignation reductions and uses basic-only wage; Saudi kept the ladder and uses the actual wage including allowances.
| Argument | Type | Description |
|---|---|---|
| reason | string | How is employment ending? The decisive input. The reason flips the answer between 0× and 1× of the same formula — the input models never ask for. Ordinary resignation is cut by the Art. 85 ladder; an Art. 80 dismissal pays nothing at all. |
| monthlyWage | number | Last monthly wage (actual wage, SAR) (SAR) Your LAST monthly actual wage: basic + housing + transport + fixed allowances. The Saudi base is the gross wage, NOT basic-only (that is the UAE rule). Contracts may exclude fluctuating commissions per Art. 86 — commission earners should use the last-12-months average of the commission part. |
| serviceYears | number | Years of service Total continuous service in years — decimals are fine, pro-rata applies to fractions of a year in both tiers. |
{
"type": "object",
"required": [],
"properties": {
"reason": {
"enum": [
"employerTermination",
"resignation",
"art81",
"art87",
"art80"
],
"type": "string",
"default": "employerTermination",
"description": "How is employment ending? The decisive input. The reason flips the answer between 0× and 1× of the same formula — the input models never ask for. Ordinary resignation is cut by the Art. 85 ladder; an Art. 80 dismissal pays nothing at all."
},
"monthlyWage": {
"type": "number",
"default": 10000,
"minimum": 0,
"description": "Last monthly wage (actual wage, SAR) (SAR) Your LAST monthly actual wage: basic + housing + transport + fixed allowances. The Saudi base is the gross wage, NOT basic-only (that is the UAE rule). Contracts may exclude fluctuating commissions per Art. 86 — commission earners should use the last-12-months average of the commission part."
},
"serviceYears": {
"type": "number",
"default": 7,
"maximum": 45,
"minimum": 0,
"description": "Years of service Total continuous service in years — decimals are fine, pro-rata applies to fractions of a year in both tiers."
}
},
"additionalProperties": false
}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 what waiting a year would cost you.
| Argument | Type | Description |
|---|---|---|
| goal | number | Target amount |
| rate | number | Annual return (%) Use a conservative rate for short horizons. |
| years | number | Years to goal (yr) |
| current | number | Already saved |
{
"type": "object",
"required": [],
"properties": {
"goal": {
"type": "number",
"default": 100000,
"minimum": 1,
"description": "Target amount"
},
"rate": {
"type": "number",
"default": 4,
"maximum": 50,
"minimum": -20,
"description": "Annual return (%) Use a conservative rate for short horizons."
},
"years": {
"type": "number",
"default": 5,
"maximum": 60,
"minimum": 0.5,
"description": "Years to goal (yr)"
},
"current": {
"type": "number",
"default": 10000,
"minimum": 0,
"description": "Already saved"
}
},
"additionalProperties": false
}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 Platform Workers Act (in force 1 Jan 2025) — a regime new enough that general AI either doesn’t know it or garbles it. Three inputs users never think to volunteer decide everything: your BIRTH DATE (born on/after 1 Jan 1995 → increased contributions are mandatory; born before → voluntary via an irrevocable opt-in, otherwise MediSave-only), your VEHICLE (the 60/35/20% fixed expense deduction moves the CPF base by 3× for the same gross), and the YEAR (rates ramp every January to full employee parity in 2029). It also gets right what models confidently invert: no monthly ceiling — unlike employees — but a $102,000/year net-earnings cap per platform operator.
| Argument | Type | Description |
|---|---|---|
| age | number | Age Sets the rate band: 35 & below, >35–45, >45–50, >50–55, >55–60, >60–65, >65–70, >70. Each band has its own worker/operator split. |
| year | string | Contribution year Rates ramp every January until full employee parity in 2029. 2027+ figures for ages 55–70 are subject to the senior-worker contribution schedule. |
| optedIn | string | Born before 1995 — have you opted in? Only matters if you were born before 1 Jan 1995. The opt-in is irreversible — once made, you are treated exactly like the mandatory cohort (worker share + operator share), forever. |
| vehicle | string | How do you work? CPF applies to NET earnings = gross minus a fixed expense deduction (FEDA) set by your mode of work: 60% for cars/vans/lorries, 35% for motorcycles/PABs/PMDs, 20% otherwise. A car driver’s CPF base is only 40% of gross. |
Buyer’s, Additional Buyer’s, and Seller’s Stamp Duty at the current IRAS rates — including the 60% foreigner ABSD and the 2025 four-year SSD. Computes Singapore residential stamp duty at the rates actually in force: BSD on the marginal bands up to 6%, ABSD by your exact buyer profile and property count (foreigners pay a flat 60% since 27 Apr 2023 — double what most AI models still quote), and SSD by your acquisition-date cohort (purchases on/after 4 Jul 2025 are on a new 16/12/8/4 four-year schedule). The inputs that swing the answer are ones buyers rarely know matter: the citizenship tier (a US citizen gets Singapore Citizen treatment under the FTA; a US green-card holder does not), how many residential properties you already hold (any fractional interest counts in full), and for joint purchases, the co-buyer whose rate governs the entire price.
| Argument | Type | Description |
|---|---|---|
| mode | string | Buying or selling? |
| price | number | Price / market value (the higher of the two) (S$) Stamp duty is charged on the higher of the price and the market value — for buying and selling alike. |
| acqYear | number | Acquisition year Selling-mode only. The acquisition date is the day you accepted/exercised the Option to Purchase (or signed the Sale & Purchase Agreement) — not the grant of the option. It selects which SSD schedule applies. Acquisitions before 14 Jan 2011 are not modeled (any sale now is past every tier anyway). |
| profile | string | Buyer profile The decisive input — it moves ABSD between 0% and 60% of the price. The FTA carve-out is exact: US CITIZENS qualify (green-card holders do NOT); for Iceland, Liechtenstein, Norway and Switzerland, both nationals and PRs qualify. Buying-mode only. |
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 supports the annual step-up that matches how salaries actually grow.
| Argument | Type | Description |
|---|---|---|
| rate | number | Expected annual return (%) 12% is the customary Indian equity assumption; long-run index reality is closer to 10-12% nominal. |
| years | number | Years (yr) |
| stepUp | number | Annual step-up (%) Increase the monthly amount every year (e.g. 10% with salary raises). |
| monthly | number | Monthly investment |
{
"type": "object",
"required": [],
"properties": {
"rate": {
"type": "number",
"default": 12,
"maximum": 40,
"minimum": -20,
"description": "Expected annual return (%) 12% is the customary Indian equity assumption; long-run index reality is closer to 10-12% nominal."
},
"years": {
"type": "number",
"default": 15,
"maximum": 50,
"minimum": 1,
"description": "Years (yr)"
},
"stepUp": {
"type": "number",
"default": 0,
"maximum": 50,
"minimum": 0,
"description": "Annual step-up (%) Increase the monthly amount every year (e.g. 10% with salary raises)."
},
"monthly": {
"type": "number",
"default": 10000,
"minimum": 1,
"description": "Monthly investment"
}
},
"additionalProperties": false
}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.
| Argument | Type | Description |
|---|---|---|
| tip | number | Tip (%) |
| total | number | Bill total |
| people | number | People |
{
"type": "object",
"required": [],
"properties": {
"tip": {
"type": "number",
"default": 0,
"maximum": 100,
"minimum": 0,
"description": "Tip (%)"
},
"total": {
"type": "number",
"default": 186.4,
"minimum": 0.01,
"description": "Bill total"
},
"people": {
"type": "number",
"default": 4,
"maximum": 200,
"minimum": 1,
"description": "People"
}
},
"additionalProperties": false
}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 can safely pay yourself, how big a buffer your actual swings require, and which months were spikes to bank rather than spend. The pay-yourself-a-salary method every advisor teaches by hand, as a calculator.
| Argument | Type | Description |
|---|---|---|
| buffer | number | Cash buffer today What’s in the account that smooths the gaps. Leave 0 if none yet. |
| incomes | array | Monthly income, most recent months Comma-separated, 3–24 months, any order. More months = a truer picture. |
| essentials | number | Essential monthly costs Rent, food, utilities, insurance, minimum debt payments — the must-pays. |
{
"type": "object",
"required": [],
"properties": {
"buffer": {
"type": "number",
"default": 0,
"minimum": 0,
"description": "Cash buffer today What’s in the account that smooths the gaps. Leave 0 if none yet."
},
"incomes": {
"type": "array",
"items": {
"type": "number"
},
"default": [
3200,
5400,
2100,
4800,
3900,
2600
],
"description": "Monthly income, most recent months Comma-separated, 3–24 months, any order. More months = a truer picture."
},
"essentials": {
"type": "number",
"default": 2500,
"minimum": 0,
"description": "Essential monthly costs Rent, food, utilities, insurance, minimum debt payments — the must-pays."
}
},
"additionalProperties": false
}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) contribution for Section 33 (employees), Section 39 (voluntary ex-employees), or Section 40 (informal workers). The Section 33 wage ceiling was frozen at ฿15,000/month from 1995 until the Royal Gazette announcement of 12 Dec 2025 raised it to ฿17,500 from 1 Jan 2026 — so the maximum employee contribution jumps from ฿750 to ฿875, with further phases to ฿20,000 (2029) and ฿23,000 (2032). Thirty years of the old number mean general AI and much of the Thai web still answer ฿750; this tool uses the phased schedule, and knows §39 stays on its frozen ฿4,800 base.
| Argument | Type | Description |
|---|---|---|
| year | string | Contribution year The ceiling rises in three phases: ฿17,500 (2026), ฿20,000 (2029), ฿23,000 (2032). Pick 2025 to see the old frozen ceiling. |
| section | string | Which SSO section are you under? The section decides everything: §33 is percentage-of-wage with a ceiling, §39 is a flat ฿432, §40 is a chosen flat option. |
| s40option | string | Section 40 option Only used for Section 40. Higher options buy more benefit branches. |
| monthlyWage | number | Monthly wage (฿) Gross monthly wage — used for Section 33 only. Contributions apply between the ฿1,650 floor and the year’s ceiling. |
{
"type": "object",
"required": [],
"properties": {
"year": {
"enum": [
"2025",
"2026",
"2029",
"2032"
],
"type": "string",
"default": "2026",
"description": "Contribution year The ceiling rises in three phases: ฿17,500 (2026), ฿20,000 (2029), ฿23,000 (2032). Pick 2025 to see the old frozen ceiling."
},
"section": {
"enum": [
"33",
"39",
"40"
],
"type": "string",
"default": "33",
"description": "Which SSO section are you under? The section decides everything: §33 is percentage-of-wage with a ceiling, §39 is a flat ฿432, §40 is a chosen flat option."
},
"s40option": {
"enum": [
"1",
"2",
"3"
],
"type": "string",
"default": "1",
"description": "Section 40 option Only used for Section 40. Higher options buy more benefit branches."
},
"monthlyWage": {
"type": "number",
"default": 30000,
"minimum": 0,
"description": "Monthly wage (฿) Gross monthly wage — used for Section 33 only. Contributions apply between the ฿1,650 floor and the year’s ceiling."
}
},
"additionalProperties": false
}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 waiting and driving between jobs), the full per-mile cost of the vehicle (not just gas), and the tax that no employer is withholding. Then compares the result to minimum wage — and is honest when the answer is "stay home."
| Argument | Type | Description |
|---|---|---|
| gross | number | Gross earnings / week What the app(s) paid you, before anything. |
| hours | number | Total hours / week Include waiting, driving between jobs, and returning empty — research finds unpaid "deadhead" time is about a third of gig working time. |
| miles | number | Miles driven / week All of them, including empty miles. 0 if the hustle has no vehicle. |
| taxPct | number | Tax on profit (%) US self-employment tax alone is ~14% of profit; add your income-tax bracket for the fully-taxed number. Set 0 to see pre-tax. |
| minWage | number | Local minimum wage The benchmark an employer would legally have to beat. US federal is $7.25; many states/cities are $15+. |
| costPerMile | number | Vehicle cost / mile Gas alone is ~$0.12–0.18/mi. The IRS all-in rate (fuel + maintenance + depreciation + insurance) is ~$0.70/mi. Most drivers’ true cost is $0.25–0.45. |
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) under UAE Decree-Law 33/2021: 21 days of basic wage per year for the first five years of service, 30 days per year after, on the LAST basic wage only, capped at two years' wage — and, in compare mode, the monthly contribution the voluntary savings scheme (Cabinet Resolution 96/2023) would pay instead. General AI reliably gets the UAE wrong in two ways: it cites the ABOLISHED 1980-law rules (limited/unlimited contracts, the 1/3–2/3 resignation penalty, forfeiture on dismissal — all gone since February 2022), and it ports Saudi rules across the border (KSA uses the actual wage including allowances, keeps a resignation ladder, and zeroes the award on an Art. 80 dismissal; the UAE does none of those). Mainland UAE only — DIFC (DEWS) and ADGM have their own regimes.
| Argument | Type | Description |
|---|---|---|
| mode | string | What to compute The savings scheme is an employer opt-in that replaces gratuity accrual with monthly contributions to a licensed, ring-fenced fund. Compare mode shows the monthly contribution at your current service band and how the two regimes differ. |
| basicMonthly | number | Last monthly BASIC wage (AED) (AED) UAE gratuity uses the BASIC wage only — housing, transport, and other allowances are excluded. This is the OPPOSITE of Saudi Arabia, where the base is the actual wage including allowances. Check your contract's basic/allowance split; the gratuity rides on the basic line alone. |
| serviceYears | number | Years of service Total continuous service in years — decimals are fine, fractions of a year earn pro-rata. Days of unpaid absence are excluded from the service count. Under one full year of service, no gratuity is due. |
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 on a disposal using the current rules: the £3,000 annual exempt amount, the 18%/24% rates that have applied to ALL assets since 30 October 2024, the income-stacking rule that decides how much of the gain falls at 18% vs 24%, and Business Asset Disposal Relief with its stepping rate (14% in 2025-26, 18% from 6 April 2026) and £1 million lifetime limit. General AI reliably gets this wrong three ways at once — quoting the abolished £12,300 allowance, the dead 10%/20% share rates, and a BADR rate from the wrong year — and answers without asking for your taxable income, the input that actually sets the rate.
| Argument | Type | Description |
|---|---|---|
| gain | number | Total gain on the disposal (£) Proceeds minus what you paid minus allowable costs (buying/selling fees, improvement costs). The gain, not the sale price. |
| assetType | string | What are you selling? BADR (Business Asset Disposal Relief) needs, broadly: 2 years of ownership, and for company shares at least 5% of shares and votes while being an officer or employee — check the full conditions. Selling the home you’ve always lived in? Usually NO CGT at all (Private Residence Relief) — this tool is for property that was never, or not always, your main home. |
| disposalDate | string | When are you disposing (tax year)? The BADR rate steps 14% → 18% at this boundary (6 April 2026) — the disposal date IS a rate input now, not admin detail. Main 18%/24% rates and the £3,000 allowance are the same in both years. |
| taxableIncome |
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. The first year is a one-off charge set by the car’s CO2, running from a few hundred pounds to over £5,000 — which is why it usually disappears into the on-the-road price and is forgotten. Every year after that is a flat £200, and electric cars have paid it since 1 April 2025, the single fact a general-purpose AI is most likely to get wrong. Then there is the surcharge: any car listed above £40,000 pays an extra £440 a year from its second year to its sixth. For EVs that threshold rose to £50,000 on 1 April 2026 and was backdated to anything registered from April 2025, so even an answer that was correct last year has gone stale. Cars from 2001 to 2017 run on an older CO2 table, which is here as well.
| Argument | Type | Description |
|---|---|---|
| co2 | number | CO2 emissions (g/km) From the V5C logbook or the manufacturer. Sets the first-year rate for cars registered from April 2025 and the band for 2001–2017 cars. Ignored for EVs, and for the standard-year tax on post-2017 cars. |
| fuel | string | Fuel type Zero emission = pure electric (or hydrogen fuel-cell). Hybrids count as petrol/diesel — their £10 hybrid discount ended in April 2025. Non-RDE2 diesels pay one first-year band higher (see methodology; this tool assumes RDE2). |
| regDate | string | When was the car first registered? The decisive input — three different tax regimes by first-registration date (the date the car was first registered anywhere, not when you bought it). Cars first registered before 1 March 2001 are taxed by engine size instead and are out of scope here. |
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 adjusted net income (ANI): 1% of the household’s child benefit per £200 of ANI above £60,000, reaching 100% at £80,000. Then it computes the lever most people miss — relief-at-source pension contributions are grossed up ×1.25 before they reduce ANI, so a precise net contribution can zero the charge while collecting higher-rate relief on top. General AI still quotes the old £50,000 threshold, cites the household-income reform that was announced and then dropped, and tells you Self Assessment is required when PAYE collection has been live since September 2025.
| Argument | Type | Description |
|---|---|---|
| giftAid | number | Gift Aid donations this year (net) (£) Charity donations under Gift Aid (what you actually gave). Like pensions, they are grossed up ×1.25 and reduce adjusted net income. |
| children | number | Children you claim child benefit for Eldest child £27.05/week, each additional child £17.90/week (2026-27). |
| higherIncome | number | Higher earner’s taxable income (£) The HIGHER earner’s adjusted-net-income components before this tool’s deductions: salary + bonus + benefits in kind (company car, medical) + rental and investment income. The charge always tests the higher partner individually — never the household total. |
| pensionContributions | number | Pension contributions this year (relief at source, net) (£) What you actually paid into a personal/workplace relief-at-source pension (the net amount). The provider adds 25% basic-rate relief, and the GROSSED-UP figure (×1.25) reduces your adjusted net income — this is the lever that shrinks or zeroes the charge. Salary-sacrifice and net-pay contributions are already out of your taxable income, so leave those out. |
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 bill (income tax stacked on top of any PAYE income, plus Class 4 National Insurance) and then the part general AI reliably misses: payments on account. First-time filers owe 150% of their bill on 31 January 2027 — the full year’s tax plus the first half of next year’s, in one payment, for income earned up to ~22 months earlier. The tool applies the exact boundary tests (POAs are waived when the bill is under £1,000 or when more than 80% of your tax was collected at source through PAYE), the post-April-2025 late-payment interest formula (Bank rate + 4%, currently 7.75% — models still quote the old + 2.5%), and flags whether Making Tax Digital’s quarterly reporting catches you from April 2026.
| Argument | Type | Description |
|---|---|---|
| profit | number | Self-employment profit for 2025-26 (£) Tax year 6 Apr 2025 – 5 Apr 2026: revenue minus allowable expenses (your taxable profit, not turnover). |
| firstYear | string | Is this your FIRST Self Assessment year? First-timers get the 150% shock: the whole year’s bill plus the first payment on account land on the same day. Returning filers have already part-paid via last year’s payments on account. |
| priorBill | number | Last year’s total Self Assessment bill (£) Only used when this is NOT your first year: it set the two payments on account (50% each) you have already made toward this year. |
| payeIncome | number | Employment (PAYE) income in the same year (£) Salary taxed through payroll. It uses up your personal allowance and basic-rate band BEFORE your profit — and because its tax is collected at source, it feeds the 80% test that can spare you payments on account entirely. |
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 every full year, up to twelve. This works out your weeks and what they pay — and then the part people get wrong. Notice pay is not covered by the £30,000 tax-free allowance that shelters redundancy pay; if it is paid in lieu it is taxed as normal earnings. And if your employer has gone bust and the state pays instead, the amount is capped at £751 a week and reduced by benefits you claimed — or could have claimed, even if you never applied.
| Argument | Type | Description |
|---|---|---|
| years | number | Complete years worked there Full years of continuous employment. Part years do not add a week — at 4 years 11 months you get 4 weeks, not 5. |
| nation | string | Where you work Notice periods are the same everywhere in the UK. Only the insolvency weekly cap differs: £751 in Great Britain, £783 in Northern Ireland. |
| taxRate | string | Your income tax rate Used to estimate the tax on your notice pay. National Insurance comes off on top of this and is not included in the estimate. |
| benefits | number | Benefits you got (or could have got) during notice (£ total) Insolvency claims only. Universal Credit or Jobseeker’s Allowance for the notice period is deducted — and it is deducted even if you never applied, unless you were refused and send the rejection letter. |
| situation | string |
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 the letter usually quotes only the first. Statutory redundancy pay is tax-free, and shares a £30,000 exemption with any ex-gratia top-up. Notice pay is not covered by it — since the PENP rules a payment in lieu is taxed as earnings whatever it is called. Accrued untaken holiday is not covered either. So "redundancy is tax-free up to £30,000" is true of one component and false of the other two, and someone with twelve weeks of notice and a fortnight of holiday can be several thousand pounds out. This adds all of it up and splits the tax the way HMRC does, including the National Insurance boundary, which sits in a different place again. Northern Ireland is included, with its own higher limits.
| Argument | Type | Description |
|---|---|---|
| age | number | Your age when the job ends |
| nation | string | Where do you work? Northern Ireland sets its own, higher statutory limits: £783 a week and £23,490 maximum. |
| niRate | string | Your National Insurance rate NI is due on notice and holiday pay, never on the termination payment — a different boundary from income tax. |
| taxRate | string | Your marginal income tax rate A large payout can push you into a higher band for the year; this applies one rate to the taxable part. |
| exGratia | number | Employer top-up above the statutory minimum (£) An enhanced or ex-gratia payment. Shares the £30,000 exemption with your statutory redundancy pay. |
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 can apply at once: the standard bands, first-time buyer relief that takes you to nothing below £300,000, a 5% surcharge that lands on the whole purchase price rather than just the top slice if this is a second home or a buy-to-let, and another 2% if you are buying from abroad. They stack. Two of those changed recently — the bands went back up on 1 April 2025 and the second-home surcharge rose from 3% to 5% in October 2024 — so a general-purpose AI will often hand you a number that was right eighteen months ago and is now thousands of pounds out. Scotland and Wales charge different taxes altogether, LBTT and LTT, and are not covered here.
| Argument | Type | Description |
|---|---|---|
| price | number | Purchase price (£) The chargeable consideration — normally the agreed purchase price of the property. |
| buyerType | string | Which buyer are you? The decisive input — it selects the whole rate table. "First-time buyer" means ALL purchasers are first-time buyers: never owned (or part-owned) a dwelling ANYWHERE in the world, including inherited property. "Additional dwelling" means you will own 2+ dwellings at completion and are not replacing a main residence you sold. The two are mutually exclusive by definition — a first-time buyer owns nothing, an additional-dwelling buyer already owns. |
| nonResident | string | Any buyer non-UK-resident? Non-resident for SDLT = present in the UK fewer than 183 days in the 12 months before completion. Adds 2% to every band. On a joint purchase, ANY non-resident buyer makes the whole transaction non-resident. |
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. Your years of service are weighted by how old you were during each of them — a year past 41 is worth a week and a half’s pay, a year in your twenties or thirties is worth one, a year before 22 is worth half. Only your last twenty count. And the weekly pay that feeds the formula is capped at £751 however much you actually earn, with £22,530 the ceiling on the whole payment. That cap moves every April, which is why a general-purpose AI will usually quote you last year’s. The age-weighting runs backwards from your leaving date and drops any year straddling a birthday into the lower band — a small fiddly rule, easy to state and easy to get wrong. Northern Ireland sets its own higher limits; those are here too.
| Argument | Type | Description |
|---|---|---|
| age | number | Your age at the dismissal (relevant) date The multiplier depends on your age DURING each backward-counted year of service, not just today’s age — this is the table walk general AI botches. Use your age on the date your employment ends. |
| nation | string | Where do you work? Northern Ireland sets its own limits — currently HIGHER than Great Britain’s: £783 weekly, £23,490 maximum. |
| weeklyPay | number | Gross weekly pay (£) Before tax. If your pay varies, use the average over the 12 weeks before your notice day. Capped at £751 — high earners all get the same statutory figure. |
| serviceYears | number | Complete years of continuous service Only FULL years count — 9 years 11 months is 9. Under 2 years there is no statutory entitlement; over 20 only the most recent 20 count. |
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, then the sufficient-ties tables. The 183-day figure everyone (and general AI) anchors on is only the ceiling — a leaver with 3 UK ties is resident at just 46 days, and at 121 days a single tie is enough. The input that decides which table applies — were you UK-resident in any of the 3 prior tax years — is the one users never volunteer, so this tool leads with it. Includes the deeming rule for non-midnight days, which AI answers routinely miss.
| Argument | Type | Description |
|---|---|---|
| days | number | Days present in the UK at midnight this tax year Count days you were in the UK at the end of the day (midnight). Enter the count with exceptional-circumstances days (capped at 60) already removed, and exclude pure transit days (arrived one day, left the next, did nothing unrelated to travel). |
| tieWork | string | Work tie 40 or more days this year (in any pattern) on which you did more than 3 hours of work in the UK. |
| tie90Day | string | 90-day tie You spent more than 90 days in the UK in either (or both) of the 2 previous tax years. |
| tieFamily | string | Family tie A UK-resident spouse/civil partner (or partner you live with) or minor child. A child you saw in the UK on fewer than 61 days is disregarded; a child who is UK-resident only because of full-time education here is also disregarded if they spend fewer than 21 days in the UK outside term time. |
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 current net earnings and at your earnings plus the raise or extra shift you are weighing — showing exactly how much of the extra you keep after the 55% taper. The taper applies to NET earnings (after tax, NI, and 100% of pension contributions), the work allowance only exists for households with children or limited capability for work, and whether your UC includes a housing element switches that allowance between £427 and £710 a month. General AI gets all three wrong: it tapers gross pay, hands everyone an allowance, and quotes outdated rates.
| Argument | Type | Description |
|---|---|---|
| household | string | Your household Sets the standard allowance — the base of your maximum UC award. Couples claim jointly and their earnings are combined. |
| hasChildren | string | Children on the claim? The work-allowance gate. Only households responsible for a child OR with limited capability for work (LCW/LCWRA after a Work Capability Assessment) get a work allowance. Answer "yes" if either applies. Everyone else is tapered from the first pound of net earnings. |
| extraEarnings | number | Extra net earnings you are considering (£) The raise, extra shift, or overtime you are weighing — as extra NET (take-home) pay per month. The tool shows how much of it survives the taper. |
| otherElements | number | Other UC elements on your statement (£) Child, housing, disability, and carer elements from your UC statement — add them so the taper math starts from your real maximum award. Left at 0, the tool uses only the standard allowance and will understate your actual payment (though the keep-rate on extra earnings is unaffected while UC stays above £0). |
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 result against the standard SaaS/subscription benchmarks (3:1 LTV:CAC, sub-12-month payback).
| Argument | Type | Description |
|---|---|---|
| cac | number | Customer acquisition cost Fully-loaded sales + marketing cost per new customer. |
| arpu | number | Revenue per customer / month Average monthly revenue per active customer (ARPU). |
| churn | number | Monthly customer churn (%) Share of customers lost per month. |
| grossMargin | number | Gross margin (%) |
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}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.
| Argument | Type | Description |
|---|---|---|
| qtyA | number | Option A quantity Any unit — grams, sheets, count — as long as both options use the same one. |
| qtyB | number | Option B quantity |
| priceA | number | Option A price |
| priceB | number | Option B price |
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}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 pre-2021 structure is back: below 400% of the federal poverty line your premium is capped at a sliding share of income; one dollar above 400% and the subsidy drops to zero. This tool places your household on that curve — your FPL percentage, your expected contribution, your estimated monthly subsidy, and exactly where the cliff falls in dollars. It also flags the 2026 change most people miss: the cap on repaying advance credits was repealed, so if your year-end income lands over 400% you repay every advance dollar with no limit. The decisive input is your FULL-YEAR 2026 MAGI, reconciled at filing — not the estimate you gave at enrollment.
| Argument | Type | Description |
|---|---|---|
| state | string | Which state Alaska and Hawaii have higher federal poverty guidelines, which shifts every threshold up. |
| income | number | Expected 2026 household income (MAGI) Your best estimate of full-year 2026 household modified AGI — the number the credit is reconciled against at filing, not just what you report at enrollment. A bonus, capital gain, or extra freelance income counts. |
| benchmark | number | Benchmark Silver premium (monthly, for your household) The second-lowest-cost Silver plan (SLCSP) for your household — the plan the subsidy is pegged to. Find yours on healthcare.gov’s plan preview or the KFF subsidy calculator; it varies a lot by age and county. The default is a rough mid-range family figure — replace it for an accurate dollar subsidy. |
| expansion |
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 rules: a flat $15,000,000 basic exclusion per person, made PERMANENT by OBBBA §70106 — the long-scheduled TCJA sunset to ~$7M never happened, but AI trained before mid-2025 still tells you it did. Accounts for lifetime taxable gifts already made (they consume the unified exclusion) and a deceased spouse’s unused exclusion (DSUE) via portability. Shows the prior-law contrast so you can see exactly how much the “sunset” answer would have overstated your tax, and flags the separate state-level estate taxes (12 states + DC, thresholds from $1M) that the federal all-clear does not cover.
| Argument | Type | Description |
|---|---|---|
| state | string | Does your state levy its own estate tax? WA, OR, MN, IL, MD, MA, RI, CT, VT, NY, ME, HI + DC levy their own estate tax with thresholds far below $15M (Oregon starts at $1M). This tool flags it but computes federal only. |
| dsueAmount | number | DSUE amount from deceased spouse ($) The unused exclusion ported from your deceased spouse (from their Form 706). Only applies with the “surviving spouse with elected DSUE” status above. |
| estateValue | number | Gross estate value ($) Everything you own at death — real estate, investments, retirement accounts, business interests, life-insurance proceeds you own. Use today’s value as an estimate. |
| maritalStatus | string | Marital / portability situation DSUE (deceased spousal unused exclusion) only counts if a Form 706 was filed for the deceased spouse to elect portability — it is not automatic. |
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 when you go independent: you pay both halves of Social Security and Medicare, buy the whole health premium instead of the employee share, self-fund the 401(k) match, and bill far fewer hours than you work. One thing runs the other way — the §199A QBI deduction (made permanent in 2025) shelters about 20% of profit from income tax, and models routinely forget it. This tool solves for the 1099 gross at which your net-of-everything genuinely matches the W-2 job, then divides by the hours that realistically bill. All 2026 parameters verified on IRS primary sources; benefit defaults from the KFF 2025 employer survey.
| Argument | Type | Description |
|---|---|---|
| filing | string | Filing status |
| salary | number | The W-2 salary to match Annual gross salary of the job you have or are comparing against. |
| matchPct | number | Employer 401(k) match (%) Percent of salary your employer contributes. Default: the 2025 Vanguard average (4.7%). The freelancer self-funds this to stay even (deductible via a solo 401(k)). |
| weeksWorked | number | Working weeks per year After vacation, holidays, and sick time — which no longer come paid. A W-2 job with ~23 paid days off works ≈47 weeks but is paid for 52. |
| hoursPerWeek | number | Hours worked per week (freelance) |
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 raise triggers five simultaneous countercurrents: federal tax and FICA go up, EITC phases out (up to 21¢ per dollar), SNAP tapers (30¢ per net dollar), Medicaid ends abruptly at 138% of the poverty line, and — new for 2026 — the ACA subsidy cliff at 400% FPL is back after the enhanced credits expired 31 Dec 2025. Stacked, effective marginal rates in the $25k–$45k band routinely exceed 60–80%. This tool computes your household’s net resources before and after a raise using the verified 2026 parameter tables, and names each cliff the raise crosses. The decisive inputs are ones most people don’t know matter: whether your state expanded Medicaid, and whether it raised the SNAP gross-income limit.
| Argument | Type | Description |
|---|---|---|
| bbce | string | SNAP gross-income limit in your state Most states raised the SNAP entry limit to 200% FPL via Broad-Based Categorical Eligibility — whether yours did decides where the SNAP door slams. Check your state SNAP page if unsure. |
| kids | number | Qualifying children (under 17) Sets CTC ($2,200 each), the EITC schedule, and household size for SNAP/Medicaid. |
| rent | number | Monthly rent / shelter cost Rent plus basic utilities — drives SNAP’s excess-shelter deduction, which changes the benefit materially. |
| raise | number | The raise (annual amount) Annual value of the raise, extra hours, or second job you are weighing. |
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 2026 self-employment tax (both halves of Social Security and Medicare — including how W-2 wages eat the $184,500 wage base first), federal income tax with the QBI deduction, and then the number that matters: the quarterly estimated payment §6654 actually requires. That number usually does NOT depend on what you earn this year — the safe harbor is 100% of last year’s tax (110% if prior AGI topped $150k), and if you owed $0 last year, no estimated payments are required at all. General AI reliably misses these mechanics and quotes stale parameters; this uses the 2026 Form 1040-ES figures directly.
| Argument | Type | Description |
|---|---|---|
| filing | string | Filing status |
| w2Wages | number | W-2 wages this year (if side-gigging) Your day-job wages matter twice: they eat the Social Security wage cap first (shrinking your SE tax), and their withholding counts toward the safe harbor. |
| seProfit | number | Expected 2026 self-employment profit Profit, not revenue — revenue minus business expenses. Entering gross revenue here is the most common way freelancers over-pay. |
| priorYearTax | number | Total tax on your 2025 return The "total tax" line (line 22-ish) on your 2025 Form 1040. This is the safe-harbor anchor: pay 100% of it (110% if prior AGI > $150k) and you cannot be penalized regardless of what you earn this year — THE thing first-year freelancers don’t know. If you owed $0 in 2025, enter 0. |
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 Assistance Plan (RAP) went live 1 July 2026; PAYE, ICR, and SAVE all end 1 July 2028, when anyone who hasn’t picked is auto-enrolled in RAP. This tool computes your monthly payment under RAP (a %-of-AGI cliff schedule) and IBR (15% or 10% of discretionary income depending on when your first loan was disbursed), the forgiveness horizon for each (30 vs 25/20 years — and 10 tax-free years on PSLF), and the traps: RAP’s payment cliffs at every $10k of AGI, Parent PLUS exclusion, and the new default Tiered Standard plan not counting toward PSLF. General AI still recommends the dead SAVE plan and calls IDR forgiveness tax-free — the ARPA tax exclusion expired 31 Dec 2025.
| Argument | Type | Description |
|---|---|---|
| agi | number | Adjusted gross income (AGI) From your latest federal return. Married filing jointly: combined AGI of both spouses. Married filing separately: yours only. |
| pslf | string | Public Service Loan Forgiveness track? PSLF flips the strategy: forgiveness arrives at 120 qualifying payments and is federally TAX-FREE, so the lowest qualifying payment wins. Both RAP and IBR qualify; the new Tiered Standard plan does not. |
| rate | number | Average interest rate (%) Weighted average across your loans. |
| state | string | Where do you live? Alaska and Hawaii have higher poverty guidelines, which lowers IBR payments. |
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 Substantial Presence Test (IRC §7701(b)): 31+ days this year AND a weighted total ≥ 183, counting this year’s days in full, last year’s at one-third, and the year before at one-sixth. The popular "stay under 183 days" rule is wrong — a steady 122 days every year triggers residency. The inputs that actually decide the answer are the ones people don’t know matter: visa status (F/J/M/Q student and J/Q teacher days can be excluded entirely — or suddenly start counting), prior-year day counts, and whether the closer connection exception (Form 8840) is still open — it closes at 183 actual days, and a pending green-card application bars it.
| Argument | Type | Description |
|---|---|---|
| status | string | US immigration status this year The decisive input, and the one almost nobody knows matters. A green card makes you a resident regardless of days. F/J/M/Q student and J/Q teacher visas can make your days NOT count at all — or, past a limit, suddenly count. Most work and visitor statuses (H-1B, L-1, B1/B2, ESTA) have no special rule: pick the first option. |
| daysPrior1 | number | Days in the US in the 1st preceding year Last calendar year’s day count, same counting rules. It is weighted at one-third — prior years are why "under 183 this year" is not safe. |
| daysPrior2 | number | Days in the US in the 2nd preceding year The calendar year before that, weighted at one-sixth. |
| daysCurrent | number |
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: removing 20% VAT means dividing by 1.2, not subtracting 20%.
| Argument | Type | Description |
|---|---|---|
| mode | string | Direction |
| rate | number | VAT rate (%) UK 20 · DE 19 · FR 20 · ES 21 · IT 22 · NL 21 · SE 25 · CH 8.1 · AE/SA 5/15 |
| amount | number | Amount |
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"maximum": 50,
"minimum": 0,
"description": "VAT rate (%) UK 20 · DE 19 · FR 20 · ES 21 · IT 22 · NL 21 · SE 25 · CH 8.1 · AE/SA 5/15"
},
"amount": {
"type": "number",
"default": 1000,
"minimum": 0,
"description": "Amount"
}
},
"additionalProperties": false
}{
"type": "object",
"required": [],
"properties": {
"balance": {
"type": "number",
"default": 27600,
"minimum": 0,
"description": "HELP debt balance today ($) Your current HELP balance (myGov → ATO → loan accounts). Used for the indexation and payoff-horizon estimates. The default is the national average debt."
},
"incomeYear": {
"enum": [
"2025-26",
"2026-27"
],
"type": "string",
"default": "2026-27",
"description": "Income year Thresholds are indexed to average weekly earnings each year, so the year changes the answer."
},
"hadDebtJun2025": {
"enum": [
"yes",
"no"
],
"type": "string",
"default": "yes",
"description": "Did you have a HELP balance on 1 June 2025? Balances as at 1 June 2025 received a one-off 20% cut (passed July 2025), applied automatically before that year’s indexation."
},
"repaymentIncome": {
"type": "number",
"default": 85000,
"minimum": 0,
"description": "ATO repayment income ($) NOT your salary. ATO “repayment income” = taxable income (excluding assessable FHSS released amounts) + reportable fringe benefits + total net investment loss (including net rental losses) + reportable super contributions + exempt foreign employment income. Salary-sacrificed super and negative-gearing losses are added back — a $95k salary with $10k reportable super contributions is $105k repayment income."
}
},
"additionalProperties": false
}| salesTax | number | Sales tax / GST added at purchase (%) Only applies in tax-added markets. Ignored where the advertised price already includes VAT/GST. |
| vehicleType | string | Petrol or new-energy vehicle? Only changes the answer in China, where new-energy vehicles pay half the purchase tax for 2026–2027, capped at a ¥15,000 reduction. The full exemption ended on 31 December 2025. |
{
"type": "object",
"required": [],
"properties": {
"down": {
"type": "number",
"default": 5000,
"minimum": 0,
"description": "Down payment"
},
"rate": {
"type": "number",
"default": 7,
"maximum": 40,
"minimum": 0,
"description": "Interest rate (APR) (%)"
},
"price": {
"type": "number",
"default": 35000,
"minimum": 0,
"description": "Vehicle price"
},
"market": {
"enum": [
"US",
"CA",
"JP",
"CN",
"GB",
"DE",
"FR",
"ES",
"IT",
"NL",
"AU",
"NZ",
"SG",
"IN",
"INCLUSIVE",
"EXCLUSIVE"
],
"type": "string",
"default": "US",
"description": "Where are you buying? This is the input that decides whether the answer is right. Where tax is added at purchase (US, Canada, Japan) it is charged on top of the advertised price. Almost everywhere else — the UK, the EU, Australia, Singapore, India — VAT/GST is already inside the price, so adding it again overstates the loan."
},
"months": {
"type": "number",
"default": 60,
"maximum": 96,
"minimum": 6,
"description": "Term (mo)"
},
"tradeIn": {
"type": "number",
"default": 0,
"minimum": 0,
"description": "Trade-in / part-exchange value In most US states a trade-in reduces the amount you are taxed on. Where tax is already in the price it simply lowers what you borrow."
},
"salesTax": {
"type": "number",
"default": 7,
"maximum": 30,
"minimum": 0,
"description": "Sales tax / GST added at purchase (%) Only applies in tax-added markets. Ignored where the advertised price already includes VAT/GST."
},
"vehicleType": {
"enum": [
"ice",
"nev"
],
"type": "string",
"default": "ice",
"description": "Petrol or new-energy vehicle? Only changes the answer in China, where new-energy vehicles pay half the purchase tax for 2026–2027, capped at a ¥15,000 reduction. The full exemption ended on 31 December 2025."
}
},
"additionalProperties": false
}| birthYear | number | Birth year Gregorian year, e.g. 1980. |
| birthMonth | number | Birth month The reform buckets by birth month, so this changes the answer. |
| growthRate | number | Annual salary / base growth (%) Project mode only. Assumed yearly growth of your salary and the local wage base — both future contributions and the indexed basic pension rise with it. |
| bookingRate | number | Account crediting rate 记账利率 (%) Project mode only. The government-published annual rate credited to your individual account (记账利率) — recent years ~6%. This is not a market investment return. |
| accountBalance | number | Individual account balance 个人账户储存额 The accumulated balance in your personal pension account. In “project” mode this is today’s balance; it is grown to retirement. |
| contributionIndex | number | Average contribution index 平均缴费指数 Your contribution base ÷ local average wage, averaged over your career. Capped 0.6–3.0. 1.0 = you always paid on exactly the average wage. |
| contributionYears | number | Contribution years 缴费年限 Total years contributed, including deemed years 视同缴费年限. In “project” mode this is years so far; the years until retirement are added. |
{
"type": "object",
"required": [],
"properties": {
"city": {
"enum": [
"beijing",
"shanghai",
"tianjin",
"guangzhou",
"shenzhen",
"dongguan",
"foshan",
"zhuhai",
"nanjing",
"suzhou",
"wuxi",
"changzhou",
"nantong",
"hangzhou",
"ningbo",
"wenzhou",
"fuzhou",
"xiamen",
"jinan",
"qingdao",
"chengdu",
"chongqing",
"wuhan",
"changsha",
"zhengzhou",
"nanchang",
"xian",
"hefei",
"kunming",
"guiyang",
"nanning",
"taiyuan",
"shijiazhuang",
"shenyang",
"dalian",
"harbin",
"other"
],
"type": "string",
"default": "beijing",
"description": "City / province Sets your province’s pension calculation base (养老金计发基数) — the number you would otherwise have to look up. Pick “Other” to enter your own below."
},
"mode": {
"enum": [
"at-retirement",
"project"
],
"type": "string",
"default": "at-retirement",
"description": "Pension figures are… Choose “project” if you are still years from retiring: the account keeps growing at the 记账利率 and contributions keep landing, so today’s balance is not the retirement balance."
},
"track": {
"enum": [
"male",
"female-cadre",
"female-worker"
],
"type": "string",
"default": "male",
"description": "Which track are you on? The decisive input. For women it hinges on your file classification (管理/技术岗 vs 工人岗), not job title — and it is the single most disputed point, so choose carefully."
},
"avgWage": {
"type": "number",
"default": 0,
"minimum": 0,
"description": "Pension base override 社平工资 (optional) Leave 0 to use your city’s published base above. Enter a number only to override it (or for a city not listed). In “project” mode this is today’s base; it is grown to retirement."
},
"asOfYear": {
"type": "number",
"default": 2026,
"maximum": 2060,
"minimum": 2025,
"description": "Today’s figures are from (year) Only used in “project” mode — the year your current balance/base are from. Years-to-retirement is counted from here."
},
"birthYear": {
"type": "number",
"default": 1980,
"maximum": 2010,
"minimum": 1940,
"description": "Birth year Gregorian year, e.g. 1980."
},
"birthMonth": {
"type": "number",
"default": 1,
"maximum": 12,
"minimum": 1,
"description": "Birth month The reform buckets by birth month, so this changes the answer."
},
"growthRate": {
"type": "number",
"default": 3,
"maximum": 15,
"minimum": 0,
"description": "Annual salary / base growth (%) Project mode only. Assumed yearly growth of your salary and the local wage base — both future contributions and the indexed basic pension rise with it."
},
"bookingRate": {
"type": "number",
"default": 6,
"maximum": 12,
"minimum": 0,
"description": "Account crediting rate 记账利率 (%) Project mode only. The government-published annual rate credited to your individual account (记账利率) — recent years ~6%. This is not a market investment return."
},
"accountBalance": {
"type": "number",
"default": 300000,
"minimum": 0,
"description": "Individual account balance 个人账户储存额 The accumulated balance in your personal pension account. In “project” mode this is today’s balance; it is grown to retirement."
},
"contributionIndex": {
"type": "number",
"default": 1,
"maximum": 3,
"minimum": 0.6,
"description": "Average contribution index 平均缴费指数 Your contribution base ÷ local average wage, averaged over your career. Capped 0.6–3.0. 1.0 = you always paid on exactly the average wage."
},
"contributionYears": {
"type": "number",
"default": 35,
"maximum": 50,
"minimum": 0,
"description": "Contribution years 缴费年限 Total years contributed, including deemed years 视同缴费年限. In “project” mode this is years so far; the years until retirement are added."
}
},
"additionalProperties": false
}| serviceYears |
| number |
| Years of service |
| serviceMonths | number | …plus months The trailing part-year: ≥6 months counts as a full year, under 6 months as half a month’s pay. |
{
"type": "object",
"required": [],
"properties": {
"city": {
"enum": [
"beijing",
"shanghai",
"tianjin",
"guangzhou",
"shenzhen",
"dongguan",
"foshan",
"zhuhai",
"nanjing",
"suzhou",
"wuxi",
"changzhou",
"nantong",
"hangzhou",
"ningbo",
"wenzhou",
"fuzhou",
"xiamen",
"jinan",
"qingdao",
"chengdu",
"chongqing",
"wuhan",
"changsha",
"zhengzhou",
"nanchang",
"xian",
"hefei",
"kunming",
"guiyang",
"nanning",
"taiyuan",
"shijiazhuang",
"shenyang",
"dalian",
"harbin",
"other"
],
"type": "string",
"default": "beijing",
"description": "City Sets the local average wage whose 3× caps the severance base — a figure you would otherwise have to look up. Pick “Other” (or override below) if your city isn’t listed."
},
"reason": {
"enum": [
"n",
"n-plus-1",
"unlawful"
],
"type": "string",
"default": "n",
"description": "How is employment ending? The decisive input. Resignation with no employer fault pays nothing; unlawful termination doubles it. If unsure which Art. 40 case applies, note that the “+1” is only for a non-fault dismissal given without 30 days’ written notice."
},
"monthlyWage": {
"type": "number",
"default": 15000,
"minimum": 0,
"description": "Average monthly wage 月均工资 (pre-tax, incl. bonuses) Average of your last 12 months’ gross pay — base salary + bonuses + allowances, before tax and before your own social-insurance/fund deductions (应得工资). Excludes expense reimbursements."
},
"localAvgWage": {
"type": "number",
"default": 0,
"minimum": 0,
"description": "Local average wage 社平工资 override (optional) Leave 0 to use your city’s figure above. The severance-cap caliber is legally negotiable in some cities (Hangzhou especially), so override if you have a specific figure."
},
"serviceYears": {
"type": "number",
"default": 6,
"maximum": 60,
"minimum": 0,
"description": "Years of service"
},
"serviceMonths": {
"type": "number",
"default": 0,
"maximum": 11,
"minimum": 0,
"description": "…plus months The trailing part-year: ≥6 months counts as a full year, under 6 months as half a month’s pay."
}
},
"additionalProperties": false
}| number |
| Housing fund rate 公积金 (each side) (%) Employer-chosen 5–12%, matched by the employee. Shanghai caps at 7%. |
| employeeSocialRate | number | Employee social-insurance rate (%) Sum of the employee’s pension (8%) + medical (~2%) + unemployment (~0.5%). Work-injury and maternity are employer-only. |
| employerSocialRate | number | Employer social-insurance rate (%) Sum of employer pension (16%) + medical (~9%) + unemployment (~0.5%) + work-injury (~0.2–1.9%). City-dependent. |
{
"type": "object",
"required": [],
"properties": {
"city": {
"enum": [
"beijing",
"shanghai",
"tianjin",
"guangzhou",
"shenzhen",
"dongguan",
"foshan",
"zhuhai",
"nanjing",
"suzhou",
"wuxi",
"changzhou",
"nantong",
"hangzhou",
"ningbo",
"wenzhou",
"fuzhou",
"xiamen",
"jinan",
"qingdao",
"chengdu",
"chongqing",
"wuhan",
"changsha",
"zhengzhou",
"nanchang",
"xian",
"hefei",
"kunming",
"guiyang",
"nanning",
"taiyuan",
"shijiazhuang",
"shenyang",
"dalian",
"harbin",
"other"
],
"type": "string",
"default": "beijing",
"description": "City Sets the contribution-base floor and ceiling (the ~60%/300%-of-local-average band) — the numbers you would otherwise look up. Pick “Other” to enter your own."
},
"gross": {
"type": "number",
"default": 30000,
"minimum": 0,
"description": "Monthly gross salary Used as the contribution base after clamping to the city floor/ceiling. If your official contribution base differs from gross, enter that instead."
},
"baseFloor": {
"type": "number",
"default": 0,
"minimum": 0,
"description": "Base floor 下限 override (optional) Leave 0 to use your city’s floor. Override for a city not listed."
},
"baseCeiling": {
"type": "number",
"default": 0,
"minimum": 0,
"description": "Base ceiling 上限 override (optional) Leave 0 to use your city’s ceiling. Salary above the ceiling is not charged."
},
"housingFundRate": {
"type": "number",
"default": 12,
"maximum": 12,
"minimum": 0,
"description": "Housing fund rate 公积金 (each side) (%) Employer-chosen 5–12%, matched by the employee. Shanghai caps at 7%."
},
"employeeSocialRate": {
"type": "number",
"default": 10.5,
"maximum": 30,
"minimum": 0,
"description": "Employee social-insurance rate (%) Sum of the employee’s pension (8%) + medical (~2%) + unemployment (~0.5%). Work-injury and maternity are employer-only."
},
"employerSocialRate": {
"type": "number",
"default": 26.7,
"maximum": 50,
"minimum": 0,
"description": "Employer social-insurance rate (%) Sum of employer pension (16%) + medical (~9%) + unemployment (~0.5%) + work-injury (~0.2–1.9%). City-dependent."
}
},
"additionalProperties": false
}| youtubeStream | string | YouTube revenue stream YouTube only — ignored for other platforms. Shorts revenue is 45% of an allocation from a shared creator pool (computed after music licensing), so the allocation itself varies before this split applies. |
| avgTransaction | number | Average pledge / sub size ($) Patreon and Substack charge processing per transaction, so the average pledge size changes the all-in rate. Patreon pledges of $3 or less use the micro rate (5% + $0.10) instead of the standard 2.9% + $0.30. |
{
"type": "object",
"required": [],
"properties": {
"platform": {
"enum": [
"youtube",
"twitch",
"patreon",
"substack",
"onlyfans"
],
"type": "string",
"default": "youtube",
"description": "Platform Each platform has a completely different fee structure — this decides everything below."
},
"patreonPlan": {
"enum": [
"new10",
"legacy5",
"legacy8",
"legacy12"
],
"type": "string",
"default": "new10",
"description": "Patreon fee plan Patreon only. Pages created after 4 Aug 2025 pay a flat 10%. Older pages keep their legacy 5/8/12% plan — but unpublishing your page permanently converts you to 10%. It is a one-way door."
},
"twitchSplit": {
"enum": [
"base",
"plus60",
"plus70"
],
"type": "string",
"default": "base",
"description": "Twitch sub split tier Twitch only. Plus Points come from paid subs sustained over 3 months: Tier 1 = 1 point, Tier 2 = 2, Tier 3 = 6; gifted subs and Prime subs do NOT count. 100 points unlocks 60%, 300 points unlocks 70%, with a 12-month rate lock once qualified."
},
"monthlyGross": {
"type": "number",
"default": 1000,
"minimum": 0,
"description": "Monthly gross platform revenue ($) Before ANY cut. For YouTube: the ad revenue allocated to your videos (for Shorts, your allocation from the creator pool). For subscription platforms: total pledges/subs at list price."
},
"youtubeStream": {
"enum": [
"longform",
"shorts",
"memberships"
],
"type": "string",
"default": "longform",
"description": "YouTube revenue stream YouTube only — ignored for other platforms. Shorts revenue is 45% of an allocation from a shared creator pool (computed after music licensing), so the allocation itself varies before this split applies."
},
"avgTransaction": {
"type": "number",
"default": 8,
"minimum": 0.5,
"description": "Average pledge / sub size ($) Patreon and Substack charge processing per transaction, so the average pledge size changes the all-in rate. Patreon pledges of $3 or less use the micro rate (5% + $0.10) instead of the standard 2.9% + $0.30."
}
},
"additionalProperties": false
}| number |
| Months worked in the same period (mo) Months actually worked (or otherwise fully assimilated to work — maternity leave, training…) in the same 1 June – 31 May period. Sick + worked cannot exceed 12. |
{
"type": "object",
"required": [],
"properties": {
"convention": {
"enum": [
"ouvrables",
"ouvres"
],
"type": "string",
"default": "ouvrables",
"description": "Your company counts holiday in… The Code counts in jours ouvrables (6-day weeks, 30/year max). Many companies convert to jours ouvrés (5-day weeks, 25/year) — the ×5/6 conversion must never leave you worse off."
},
"sickMonths": {
"type": "number",
"default": 4,
"maximum": 12,
"minimum": 0,
"description": "Months on sick leave in the reference period (mo) Months of sick absence between 1 June and 31 May (the legal reference period). Count each month the arrêt covered."
},
"absenceType": {
"enum": [
"nonOccupational",
"occupational"
],
"type": "string",
"default": "nonOccupational",
"description": "What kind of sick leave? THE gate — ordinary sick months accrue 2 jours ouvrables/month (sick-accrued portion capped at 24 per period); AT/MP months accrue the full 2.5, and the old one-year limit on AT/MP accrual is gone."
},
"workedMonths": {
"type": "number",
"default": 8,
"maximum": 12,
"minimum": 0,
"description": "Months worked in the same period (mo) Months actually worked (or otherwise fully assimilated to work — maternity leave, training…) in the same 1 June – 31 May period. Sick + worked cannot exceed 12."
}
},
"additionalProperties": false
}| birthCohort | string | When is (was) your child born? The decisive input: the eligibility income CAP depends on the child’s birth date — €175k / €200k / €300k(couples)-€250k(singles). This cohort trap is what general AI misses entirely (it also invents a €150k single cap that has never existed). |
| siblingBonus | string | Geschwisterbonus (sibling bonus)? Applies while at least one other child under 3 (or two others under 6) lives in the household: +10% of your Elterngeld, minimum €75 (€37.50 in Plus months). |
| taxableIncome | number | Taxable income in the calendar year before birth (zu versteuerndes Einkommen) (€/yr) The household’s zu versteuerndes Einkommen per the Steuerbescheid — taxable income, NOT gross salary — in the calendar year before the birth. Over the cohort’s cap → no Elterngeld at all. |
{
"type": "object",
"required": [],
"properties": {
"variant": {
"enum": [
"basis",
"plus"
],
"type": "string",
"default": "basis",
"description": "Which variant? ElterngeldPlus pays half the Basis amount for double the months — designed for working part-time while receiving. Both are shown; this picks the headline."
},
"household": {
"enum": [
"couple",
"single"
],
"type": "string",
"default": "couple",
"description": "Household Only the pre-Apr-2024 cohort has different caps by household type. Single parents can claim all partner months themselves."
},
"multiples": {
"type": "number",
"default": 1,
"maximum": 4,
"minimum": 1,
"description": "Children in this birth Twins = 2. Mehrlingszuschlag adds €300 per additional child of the same birth (€150 in Plus months)."
},
"monthlyNet": {
"type": "number",
"default": 2500,
"minimum": 0,
"description": "Your average monthly net earned income before birth (€/mo) Average monthly NET earned income of the 12 months before birth (before Mutterschutz for the mother). Months on Elterngeld for an older child, on Mutterschaftsgeld, or ill due to pregnancy are skipped — the window reaches further back instead."
},
"birthCohort": {
"enum": [
"from2025",
"apr2024",
"pre2024"
],
"type": "string",
"default": "from2025",
"description": "When is (was) your child born? The decisive input: the eligibility income CAP depends on the child’s birth date — €175k / €200k / €300k(couples)-€250k(singles). This cohort trap is what general AI misses entirely (it also invents a €150k single cap that has never existed)."
},
"siblingBonus": {
"enum": [
"no",
"yes"
],
"type": "string",
"default": "no",
"description": "Geschwisterbonus (sibling bonus)? Applies while at least one other child under 3 (or two others under 6) lives in the household: +10% of your Elterngeld, minimum €75 (€37.50 in Plus months)."
},
"taxableIncome": {
"type": "number",
"default": 90000,
"minimum": 0,
"description": "Taxable income in the calendar year before birth (zu versteuerndes Einkommen) (€/yr) The household’s zu versteuerndes Einkommen per the Steuerbescheid — taxable income, NOT gross salary — in the calendar year before the birth. Over the cohort’s cap → no Elterngeld at all."
}
},
"additionalProperties": false
}{
"type": "object",
"required": [],
"properties": {
"down": {
"type": "number",
"default": 60000,
"minimum": 0,
"description": "Down payment saved"
},
"rate": {
"type": "number",
"default": 6.5,
"maximum": 30,
"minimum": 0,
"description": "Mortgage rate (%)"
},
"years": {
"type": "number",
"default": 30,
"maximum": 50,
"minimum": 5,
"description": "Term (yr)"
},
"income": {
"type": "number",
"default": 110000,
"minimum": 1,
"description": "Gross annual income"
},
"method": {
"enum": [
"US",
"LTI",
"DTI50"
],
"type": "string",
"default": "US",
"description": "How does your lender decide? US lenders underwrite on two debt-to-income ratios. UK and Australian lenders cap the loan at a multiple of income (about 4.5×) and then stress-test the payment. The two produce materially different answers on the same income."
},
"monthlyDebts": {
"type": "number",
"default": 500,
"minimum": 0,
"description": "Existing monthly debt payments Car loans, student loans, card minimums — not rent or utilities."
}
},
"additionalProperties": false
}| parents | number | Dependent parents/grandparents aged 60+ HK$55,000 each for 2026/27 (HK$50,000 for 2025/26). The 55–59 band is half and is not modelled here. |
| children | number | Children claimed HK$140,000 each for 2026/27 (HK$130,000 for 2025/26), for up to nine children. The extra year-of-birth allowance is not modelled. |
| otherDeductions | number | Other deductions (HK$) Self-education (max 100,000), home-loan interest (100,000, or 120,000 with a young child), domestic rent (same), elderly residential care, annuity/TVC (60,000), VHIS. Enter the total. |
| parentsLiveWith | string | Do those parents live with you? Living with you the whole year doubles the dependent-parent allowance. Easy to miss, and worth HK$55,000 of allowance per parent in 2026/27. |
{
"type": "object",
"required": [],
"properties": {
"mpf": {
"type": "number",
"default": 18000,
"maximum": 18000,
"minimum": 0,
"description": "MPF mandatory contributions (HK$) Deductible up to HK$18,000 a year. Employee mandatory contributions only — voluntary ones are not deductible under this cap."
},
"year": {
"enum": [
"2026/27",
"2025/26"
],
"type": "string",
"default": "2026/27",
"description": "Year of assessment Allowances rose in 2026/27 (basic HK$132,000 → HK$145,000). The one-off reduction for 2026/27 has not been announced yet, so it is treated as zero until the February 2027 Budget."
},
"income": {
"type": "number",
"default": 600000,
"maximum": 100000000,
"minimum": 0,
"description": "Annual income (HK$) Total assessable income for the year — salary, bonus, commission, and the rental value of any employer-provided housing."
},
"status": {
"enum": [
"single",
"married"
],
"type": "string",
"default": "single",
"description": "Assessment basis The decisive input. Joint assessment doubles the basic allowance, which raises the income at which the standard rate takes over — the crossover is net income above 8.5 × allowances + HK$900,000."
},
"parents": {
"type": "number",
"default": 0,
"maximum": 8,
"minimum": 0,
"description": "Dependent parents/grandparents aged 60+ HK$55,000 each for 2026/27 (HK$50,000 for 2025/26). The 55–59 band is half and is not modelled here."
},
"children": {
"type": "number",
"default": 0,
"maximum": 9,
"minimum": 0,
"description": "Children claimed HK$140,000 each for 2026/27 (HK$130,000 for 2025/26), for up to nine children. The extra year-of-birth allowance is not modelled."
},
"otherDeductions": {
"type": "number",
"default": 0,
"maximum": 500000,
"minimum": 0,
"description": "Other deductions (HK$) Self-education (max 100,000), home-loan interest (100,000, or 120,000 with a young child), domestic rent (same), elderly residential care, annuity/TVC (60,000), VHIS. Enter the total."
},
"parentsLiveWith": {
"enum": [
"no",
"yes"
],
"type": "string",
"default": "no",
"description": "Do those parents live with you? Living with you the whole year doubles the dependent-parent allowance. Easy to miss, and worth HK$55,000 of allowance per parent in 2026/27."
}
},
"additionalProperties": false
}| Total monthly remuneration Everything monthly: basic, DA, HRA, allowances, employer PF contribution, statutory bonus — but not gratuity or ESI (per the MoLE FAQ). The 50% floor: if basic + DA is under half of this, the law adds the excess back. THIS is what most people don’t know. |
| serviceExtraMonths | number | …plus months Months beyond the completed years. More than 6 months rounds UP to a full extra year (§53(2)); exactly 6 does not. |
{
"type": "object",
"required": [],
"properties": {
"basicDA": {
"type": "number",
"default": 25000,
"minimum": 0,
"description": "Monthly basic + DA last drawn Basic pay + dearness allowance (+ retaining allowance, if any) in your last drawn month. Gratuity runs on last-drawn wages, not an average."
},
"exitReason": {
"enum": [
"service",
"death-disablement"
],
"type": "string",
"default": "service",
"description": "Why is employment ending? Death or disablement waives the qualifying-service requirement entirely; the formula is otherwise the same."
},
"serviceYears": {
"type": "number",
"default": 10,
"maximum": 60,
"minimum": 0,
"description": "Completed years of service Whole completed years of continuous service. Put the leftover months in the next field."
},
"employmentType": {
"enum": [
"permanent",
"fixed-term",
"journalist"
],
"type": "string",
"default": "permanent",
"description": "What kind of employment? This gate is the headline change — fixed-term employees now qualify after just 1 year (pro-rata), and working journalists after 3. Under the old Act the answer for a 2-year fixed-term worker was simply ₹0."
},
"totalRemuneration": {
"type": "number",
"default": 60000,
"minimum": 0,
"description": "Total monthly remuneration Everything monthly: basic, DA, HRA, allowances, employer PF contribution, statutory bonus — but not gratuity or ESI (per the MoLE FAQ). The 50% floor: if basic + DA is under half of this, the law adds the excess back. THIS is what most people don’t know."
},
"serviceExtraMonths": {
"type": "number",
"default": 0,
"maximum": 11,
"minimum": 0,
"description": "…plus months Months beyond the completed years. More than 6 months rounds UP to a full extra year (§53(2)); exactly 6 does not."
}
},
"additionalProperties": false
}| bothCondition | string | Is the +13% condition met? The 出生後休業支援給付金 needs your own leave of ≥14 days within the statutory window AND the spouse condition per the claimant note above (a father’s is auto-met while the employed mother is on 産後休業; a mother’s needs the father’s ≥14 days or a waiver). When met, the first 28 days pay 80% gross. |
{
"type": "object",
"required": [],
"properties": {
"claimant": {
"enum": [
"father",
"mother"
],
"type": "string",
"default": "father",
"description": "Who is claiming? The asymmetry general AI misses: a father’s +13% condition is satisfied AUTOMATICALLY while the employed mother is on maternity leave (産後休業 counts as waiver #6) — he only needs his own ≥14 days. The MOTHER’s claim is the one that needs the father to take ≥14 days of leave, unless a waiver applies (spouse not employed / self-employed / single parent)."
},
"leaveDays": {
"type": "number",
"default": 180,
"maximum": 365,
"minimum": 5,
"description": "Leave days to model (days) Total benefit days you plan to take. The 67% rate runs for the first 180 benefit days (the counter includes 産後パパ育休 days), then steps down to 50%."
},
"monthlyWage": {
"type": "number",
"default": 350000,
"minimum": 0,
"description": "Average monthly wage before leave (¥/mo) Average of the 6 months of wages before the leave starts — this sets your 賃金日額 (daily wage) = wage × 6 ÷ 180 = wage ÷ 30. Use gross pay including fixed allowances, before tax and social insurance."
},
"bothCondition": {
"enum": [
"yes",
"no"
],
"type": "string",
"default": "yes",
"description": "Is the +13% condition met? The 出生後休業支援給付金 needs your own leave of ≥14 days within the statutory window AND the spouse condition per the claimant note above (a father’s is auto-met while the employed mother is on 産後休業; a mother’s needs the father’s ≥14 days or a waiver). When met, the first 28 days pay 80% gross."
}
},
"additionalProperties": false
}{
"type": "object",
"required": [],
"properties": {
"months": {
"type": "number",
"default": 12,
"maximum": 18,
"minimum": 1,
"description": "Months of leave to model (mo) Standard entitlement is 12 months per parent. It extends to 18 months when both parents each take at least 3 months, for single parents, or for a child with a severe disability."
},
"scheme": {
"enum": [
"general",
"sixSix",
"singleParent"
],
"type": "string",
"default": "general",
"description": "Which scheme applies? The decisive input nobody volunteers: whether BOTH parents take leave (simultaneously or one after the other) for a child under 18 months. If yes, months 1–6 flip to the 6+6 scheme’s escalating 100% caps — up to ₩4.5M/month per parent instead of ₩2.5M/₩2.0M."
},
"monthlyWage": {
"type": "number",
"default": 3500000,
"minimum": 0,
"description": "Ordinary monthly wage (통상임금) (₩/mo) Your 통상임금 — the ordinary wage the benefit is computed on (base pay plus fixed regular allowances), not total compensation with variable bonuses and overtime."
}
},
"additionalProperties": false
}| Lived >150km from the Dutch border before starting? A hard eligibility gate: you must have lived more than 150km from the Dutch border for more than 16 of the 24 months before your Dutch employment began. This excludes Belgium, Luxembourg, and border regions of Germany. |
| priorNlMonths | number | Months lived or worked in NL in the past 25 years (mo) Earlier stays in the Netherlands within the last 25 years are deducted from the 60-month maximum duration. |
| under30Masters | string | Under 30 with a (Dutch-equivalent) master’s degree? A lower salary norm applies (€36,497 vs €48,013 in 2026) — but only until the month you turn 30. |
{
"type": "object",
"required": [],
"properties": {
"year": {
"enum": [
"2026",
"2027"
],
"type": "string",
"default": "2026",
"description": "Computation year The rate (30% → 27%) and the salary norms change at the 2026/2027 boundary — differently per cohort."
},
"cohort": {
"enum": [
"new",
"started2024",
"started2023"
],
"type": "string",
"default": "new",
"description": "When was (will) your 30% ruling first granted? The decisive input. The 2027 transition is THREE cohorts, not two: 2023-and-earlier keep 30% AND the old salary norm for their full term; 2024 starters drop to 27% in 2027 but KEEP the old norm; 2025-and-later starters get 27% AND the higher norm from 2027."
},
"salary": {
"type": "number",
"default": 60000,
"minimum": 0,
"description": "Annual gross salary (total compensation) (€) Your total agreed gross pay, before the tax-free allowance is carved out of it. The salary norm tests what remains TAXABLE after the allowance — the tool handles that split."
},
"distanceOk": {
"enum": [
"yes",
"no"
],
"type": "string",
"default": "yes",
"description": "Lived >150km from the Dutch border before starting? A hard eligibility gate: you must have lived more than 150km from the Dutch border for more than 16 of the 24 months before your Dutch employment began. This excludes Belgium, Luxembourg, and border regions of Germany."
},
"priorNlMonths": {
"type": "number",
"default": 0,
"maximum": 300,
"minimum": 0,
"description": "Months lived or worked in NL in the past 25 years (mo) Earlier stays in the Netherlands within the last 25 years are deducted from the 60-month maximum duration."
},
"under30Masters": {
"enum": [
"no",
"yes"
],
"type": "string",
"default": "no",
"description": "Under 30 with a (Dutch-equivalent) master’s degree? A lower salary norm applies (€36,497 vs €48,013 in 2026) — but only until the month you turn 30."
}
},
"additionalProperties": false
}| Is the dwelling in New York City? Drives the separate city test. NYC levies its own resident income tax on top of the state's. |
| abodeMonths | number | Months of the year the dwelling was maintained "Substantially all of the year" means MORE than 10 months (Audit Division policy for tax years 2022+; it was 11 before). This matters mainly in years you acquire or dispose of the home — renting it out briefly mid-ownership does NOT break continuity. |
| armedForces | string | Active-duty US armed forces? Active-duty members of the US armed forces are statutorily excluded from the day-count prong. |
{
"type": "object",
"required": [],
"properties": {
"abode": {
"enum": [
"none",
"yearRound",
"vacation",
"undergrad"
],
"type": "string",
"default": "none",
"description": "Do you maintain a dwelling in New York? The trap: people count days but don't know that a NYC crash pad, a company apartment principally available to you, or even a sublet counts as a \"permanent place of abode\". Vacation homes are generally not one (Obus, 2022); undergraduate apartments are disregarded by policy."
},
"daysNY": {
"type": "number",
"default": 0,
"maximum": 366,
"minimum": 0,
"description": "Days with any presence in New York State Any part of a day = a full day. Only two exceptions: pure travel-through (boarding a flight or train out, driving through) and inpatient medical confinement. Outpatient visits and \"just dinner in the city\" days COUNT."
},
"daysNYC": {
"type": "number",
"default": 0,
"maximum": 366,
"minimum": 0,
"description": "Of those, days with any presence in the five boroughs For the separate New York City resident test. Leave 0 if NYC doesn't apply to you."
},
"abodeInNYC": {
"enum": [
"no",
"yes"
],
"type": "string",
"default": "no",
"description": "Is the dwelling in New York City? Drives the separate city test. NYC levies its own resident income tax on top of the state's."
},
"abodeMonths": {
"type": "number",
"default": 12,
"maximum": 12,
"minimum": 0,
"description": "Months of the year the dwelling was maintained \"Substantially all of the year\" means MORE than 10 months (Audit Division policy for tax years 2022+; it was 11 before). This matters mainly in years you acquire or dispose of the home — renting it out briefly mid-ownership does NOT break continuity."
},
"armedForces": {
"enum": [
"no",
"yes"
],
"type": "string",
"default": "no",
"description": "Active-duty US armed forces? Active-duty members of the US armed forces are statutorily excluded from the day-count prong."
}
},
"additionalProperties": false
}| Your qualification (Annex-I profession route only) Only matters for the Annex-I highly-qualified-profession route; ignored for every other route. That route requires a PhD, or a Bachelor-level degree plus at least 3 years of proven experience. |
| foreignPension | string | Will you draw a foreign pension? e.g. a company or state pension from your home country. The single biggest NHR-vs-IFICI difference: the old NHR taxed these at 10%; IFICI taxes them at full progressive rates. |
| priorPtResident | string | Were you a Portuguese tax resident in ANY of the 5 years before arrival? A hard gate: IFICI is only for people becoming PT tax resident who were NOT resident in any of the previous 5 years. "Yes" ends the analysis regardless of your activity. |
{
"type": "object",
"required": [],
"properties": {
"activity": {
"enum": [
"teachingResearch",
"qualifiedProfession",
"exportCompany",
"startup",
"rd",
"investmentContract",
"madeiraAzores",
"other"
],
"type": "string",
"default": "qualifiedProfession",
"description": "Which eligible activity fits you? THE gate. IFICI is not a general expat regime — your work must fit one of these routes, each certified by a different entity. Annex-I professions include directors, physical-science/engineering specialists, doctors, university professors, and ICT specialists."
},
"ptIncome": {
"type": "number",
"default": 60000,
"minimum": 0,
"description": "Expected annual PT income from the eligible activity (€) Employment or self-employment income from the eligible activity, per year — the income the 20% flat rate would apply to."
},
"formerRegime": {
"enum": [
"none",
"nhr",
"regressar"
],
"type": "string",
"default": "none",
"description": "Did you ever benefit from the old NHR or the Programa Regressar? Either one bars you from IFICI. If your old NHR 10-year term is still running you keep it under the old rules — you just cannot switch to IFICI."
},
"qualification": {
"enum": [
"phd",
"bachelorPlus3",
"neither"
],
"type": "string",
"default": "bachelorPlus3",
"description": "Your qualification (Annex-I profession route only) Only matters for the Annex-I highly-qualified-profession route; ignored for every other route. That route requires a PhD, or a Bachelor-level degree plus at least 3 years of proven experience."
},
"foreignPension": {
"enum": [
"no",
"yes"
],
"type": "string",
"default": "no",
"description": "Will you draw a foreign pension? e.g. a company or state pension from your home country. The single biggest NHR-vs-IFICI difference: the old NHR taxed these at 10%; IFICI taxes them at full progressive rates."
},
"priorPtResident": {
"enum": [
"no",
"yes"
],
"type": "string",
"default": "no",
"description": "Were you a Portuguese tax resident in ANY of the 5 years before arrival? A hard gate: IFICI is only for people becoming PT tax resident who were NOT resident in any of the previous 5 years. \"Yes\" ends the analysis regardless of your activity."
}
},
"additionalProperties": false
}| birthYear | number | Birth year The hard line: born on or after 1 Jan 1995 → increased CPF contributions are MANDATORY. Born before → voluntary, by an IRREVOCABLE opt-in (otherwise MediSave-only). Two riders doing identical work, born days apart, live under different regimes. |
| grossMonthly | number | Gross platform earnings per month (S$) Fares and fees as paid out by the platform, before the fixed expense deduction. Per operator. |
{
"type": "object",
"required": [],
"properties": {
"age": {
"type": "number",
"default": 30,
"maximum": 80,
"minimum": 16,
"description": "Age Sets the rate band: 35 & below, >35–45, >45–50, >50–55, >55–60, >60–65, >65–70, >70. Each band has its own worker/operator split."
},
"year": {
"enum": [
"2025",
"2026",
"2027",
"2028",
"2029"
],
"type": "string",
"default": "2026",
"description": "Contribution year Rates ramp every January until full employee parity in 2029. 2027+ figures for ages 55–70 are subject to the senior-worker contribution schedule."
},
"optedIn": {
"enum": [
"no",
"yes"
],
"type": "string",
"default": "no",
"description": "Born before 1995 — have you opted in? Only matters if you were born before 1 Jan 1995. The opt-in is irreversible — once made, you are treated exactly like the mandatory cohort (worker share + operator share), forever."
},
"vehicle": {
"enum": [
"car",
"motorcycle",
"bicycle"
],
"type": "string",
"default": "bicycle",
"description": "How do you work? CPF applies to NET earnings = gross minus a fixed expense deduction (FEDA) set by your mode of work: 60% for cars/vans/lorries, 35% for motorcycles/PABs/PMDs, 20% otherwise. A car driver’s CPF base is only 40% of gross."
},
"birthYear": {
"type": "number",
"default": 1996,
"maximum": 2010,
"minimum": 1955,
"description": "Birth year The hard line: born on or after 1 Jan 1995 → increased CPF contributions are MANDATORY. Born before → voluntary, by an IRREVOCABLE opt-in (otherwise MediSave-only). Two riders doing identical work, born days apart, live under different regimes."
},
"grossMonthly": {
"type": "number",
"default": 3000,
"minimum": 0,
"description": "Gross platform earnings per month (S$) Fares and fees as paid out by the platform, before the fixed expense deduction. Per operator."
}
},
"additionalProperties": false
}| acqMonth | number | Acquisition month Selling-mode only. 1–12. |
| saleYear | number | Sale year Selling-mode only. The year you (will) contract to sell. |
| saleMonth | number | Sale month Selling-mode only. 1–12. |
| propertiesOwned | number | Residential properties already owned in Singapore Count before this purchase. Any fractional interest — even 1% on a parent’s flat — counts as one full property. Overseas property does not count. Buying-mode only. |
| jointHighestRate | string | Joint purchase — co-buyer with a higher ABSD profile In a joint purchase the buyer with the HIGHEST applicable ABSD rate sets the rate for the entire price — not just their share. The co-buyer’s rate here is computed at the same properties-owned count as yours; if they own more, rerun with their count to check whose rate governs. Buying-mode only. |
{
"type": "object",
"required": [],
"properties": {
"mode": {
"enum": [
"buy",
"sell"
],
"type": "string",
"default": "buy",
"description": "Buying or selling?"
},
"price": {
"type": "number",
"default": 1500000,
"minimum": 0,
"description": "Price / market value (the higher of the two) (S$) Stamp duty is charged on the higher of the price and the market value — for buying and selling alike."
},
"acqYear": {
"type": "number",
"default": 2025,
"maximum": 2100,
"minimum": 2011,
"description": "Acquisition year Selling-mode only. The acquisition date is the day you accepted/exercised the Option to Purchase (or signed the Sale & Purchase Agreement) — not the grant of the option. It selects which SSD schedule applies. Acquisitions before 14 Jan 2011 are not modeled (any sale now is past every tier anyway)."
},
"profile": {
"enum": [
"sc",
"spr",
"fta",
"foreigner",
"entity"
],
"type": "string",
"default": "sc",
"description": "Buyer profile The decisive input — it moves ABSD between 0% and 60% of the price. The FTA carve-out is exact: US CITIZENS qualify (green-card holders do NOT); for Iceland, Liechtenstein, Norway and Switzerland, both nationals and PRs qualify. Buying-mode only."
},
"acqMonth": {
"type": "number",
"default": 8,
"maximum": 12,
"minimum": 1,
"description": "Acquisition month Selling-mode only. 1–12."
},
"saleYear": {
"type": "number",
"default": 2026,
"maximum": 2100,
"minimum": 2011,
"description": "Sale year Selling-mode only. The year you (will) contract to sell."
},
"saleMonth": {
"type": "number",
"default": 7,
"maximum": 12,
"minimum": 1,
"description": "Sale month Selling-mode only. 1–12."
},
"propertiesOwned": {
"type": "number",
"default": 0,
"maximum": 5,
"minimum": 0,
"description": "Residential properties already owned in Singapore Count before this purchase. Any fractional interest — even 1% on a parent’s flat — counts as one full property. Overseas property does not count. Buying-mode only."
},
"jointHighestRate": {
"enum": [
"none",
"sc",
"spr",
"fta",
"foreigner",
"entity"
],
"type": "string",
"default": "none",
"description": "Joint purchase — co-buyer with a higher ABSD profile In a joint purchase the buyer with the HIGHEST applicable ABSD rate sets the rate for the entire price — not just their share. The co-buyer’s rate here is computed at the same properties-owned count as yours; if they own more, rerun with their count to check whose rate governs. Buying-mode only."
}
},
"additionalProperties": false
}{
"type": "object",
"required": [],
"properties": {
"gross": {
"type": "number",
"default": 800,
"minimum": 0,
"description": "Gross earnings / week What the app(s) paid you, before anything."
},
"hours": {
"type": "number",
"default": 40,
"maximum": 120,
"minimum": 0.5,
"description": "Total hours / week Include waiting, driving between jobs, and returning empty — research finds unpaid \"deadhead\" time is about a third of gig working time."
},
"miles": {
"type": "number",
"default": 600,
"minimum": 0,
"description": "Miles driven / week All of them, including empty miles. 0 if the hustle has no vehicle."
},
"taxPct": {
"type": "number",
"default": 15,
"maximum": 60,
"minimum": 0,
"description": "Tax on profit (%) US self-employment tax alone is ~14% of profit; add your income-tax bracket for the fully-taxed number. Set 0 to see pre-tax."
},
"minWage": {
"type": "number",
"default": 7.25,
"minimum": 0,
"description": "Local minimum wage The benchmark an employer would legally have to beat. US federal is $7.25; many states/cities are $15+."
},
"costPerMile": {
"type": "number",
"default": 0.35,
"maximum": 3,
"minimum": 0,
"description": "Vehicle cost / mile Gas alone is ~$0.12–0.18/mi. The IRS all-in rate (fuel + maintenance + depreciation + insurance) is ~$0.70/mi. Most drivers’ true cost is $0.25–0.45."
}
},
"additionalProperties": false
}{
"type": "object",
"required": [],
"properties": {
"mode": {
"enum": [
"gratuity",
"compare"
],
"type": "string",
"default": "gratuity",
"description": "What to compute The savings scheme is an employer opt-in that replaces gratuity accrual with monthly contributions to a licensed, ring-fenced fund. Compare mode shows the monthly contribution at your current service band and how the two regimes differ."
},
"basicMonthly": {
"type": "number",
"default": 8000,
"minimum": 0,
"description": "Last monthly BASIC wage (AED) (AED) UAE gratuity uses the BASIC wage only — housing, transport, and other allowances are excluded. This is the OPPOSITE of Saudi Arabia, where the base is the actual wage including allowances. Check your contract's basic/allowance split; the gratuity rides on the basic line alone."
},
"serviceYears": {
"type": "number",
"default": 6,
"maximum": 45,
"minimum": 0,
"description": "Years of service Total continuous service in years — decimals are fine, fractions of a year earn pro-rata. Days of unpaid absence are excluded from the service count. Under one full year of service, no gratuity is due."
}
},
"additionalProperties": false
}| number |
| Your taxable income this year (£) Income AFTER the personal allowance — roughly your salary minus £12,570. This is the hidden input: the gain stacks on top of it, and it decides how much falls in the basic band at 18% vs above it at 24%. |
| badrLifetimeUsed | number | BADR lifetime relief already claimed (£) Only matters for BADR disposals. Gains you have already claimed BADR on, ever — the relief has a £1 million lifetime limit. |
| otherGainsUsedAea | string | Already used the £3,000 allowance this year? The annual exempt amount is per tax year across all your disposals, not per disposal. |
{
"type": "object",
"required": [],
"properties": {
"gain": {
"type": "number",
"default": 20000,
"minimum": 0,
"description": "Total gain on the disposal (£) Proceeds minus what you paid minus allowable costs (buying/selling fees, improvement costs). The gain, not the sale price."
},
"assetType": {
"enum": [
"other",
"residentialProperty",
"badr"
],
"type": "string",
"default": "other",
"description": "What are you selling? BADR (Business Asset Disposal Relief) needs, broadly: 2 years of ownership, and for company shares at least 5% of shares and votes while being an officer or employee — check the full conditions. Selling the home you’ve always lived in? Usually NO CGT at all (Private Residence Relief) — this tool is for property that was never, or not always, your main home."
},
"disposalDate": {
"enum": [
"2025-26",
"2026-27"
],
"type": "string",
"default": "2026-27",
"description": "When are you disposing (tax year)? The BADR rate steps 14% → 18% at this boundary (6 April 2026) — the disposal date IS a rate input now, not admin detail. Main 18%/24% rates and the £3,000 allowance are the same in both years."
},
"taxableIncome": {
"type": "number",
"default": 35000,
"minimum": 0,
"description": "Your taxable income this year (£) Income AFTER the personal allowance — roughly your salary minus £12,570. This is the hidden input: the gain stacks on top of it, and it decides how much falls in the basic band at 18% vs above it at 24%."
},
"badrLifetimeUsed": {
"type": "number",
"default": 0,
"maximum": 1000000,
"minimum": 0,
"description": "BADR lifetime relief already claimed (£) Only matters for BADR disposals. Gains you have already claimed BADR on, ever — the relief has a £1 million lifetime limit."
},
"otherGainsUsedAea": {
"enum": [
"no",
"yes"
],
"type": "string",
"default": "no",
"description": "Already used the £3,000 allowance this year? The annual exempt amount is per tax year across all your disposals, not per disposal."
}
},
"additionalProperties": false
}| listPrice |
| number |
| Manufacturer list price when new (£) The published list price on the day of first registration, including factory options and VAT — not what was actually paid. This decides the expensive-car supplement, and it sticks with the car for life. |
| yearOfOwnership | string | Which year of the car’s life? Which year’s tax to show. The CO2-based first-year rate only exists for cars registered from April 2025 — for older cohorts "first year" is shown as a normal year. Years 2–6 are when the expensive-car supplement can apply. |
{
"type": "object",
"required": [],
"properties": {
"co2": {
"type": "number",
"default": 120,
"maximum": 400,
"minimum": 0,
"description": "CO2 emissions (g/km) From the V5C logbook or the manufacturer. Sets the first-year rate for cars registered from April 2025 and the band for 2001–2017 cars. Ignored for EVs, and for the standard-year tax on post-2017 cars."
},
"fuel": {
"enum": [
"petrolDiesel",
"ev"
],
"type": "string",
"default": "petrolDiesel",
"description": "Fuel type Zero emission = pure electric (or hydrogen fuel-cell). Hybrids count as petrol/diesel — their £10 hybrid discount ended in April 2025. Non-RDE2 diesels pay one first-year band higher (see methodology; this tool assumes RDE2)."
},
"regDate": {
"enum": [
"new",
"y2017",
"y2001"
],
"type": "string",
"default": "new",
"description": "When was the car first registered? The decisive input — three different tax regimes by first-registration date (the date the car was first registered anywhere, not when you bought it). Cars first registered before 1 March 2001 are taxed by engine size instead and are out of scope here."
},
"listPrice": {
"type": "number",
"default": 30000,
"minimum": 0,
"description": "Manufacturer list price when new (£) The published list price on the day of first registration, including factory options and VAT — not what was actually paid. This decides the expensive-car supplement, and it sticks with the car for life."
},
"yearOfOwnership": {
"enum": [
"first",
"standard",
"after6"
],
"type": "string",
"default": "standard",
"description": "Which year of the car’s life? Which year’s tax to show. The CO2-based first-year rate only exists for cars registered from April 2025 — for older cohorts \"first year\" is shown as a normal year. Years 2–6 are when the expensive-car supplement can apply."
}
},
"additionalProperties": false
}{
"type": "object",
"required": [],
"properties": {
"giftAid": {
"type": "number",
"default": 0,
"minimum": 0,
"description": "Gift Aid donations this year (net) (£) Charity donations under Gift Aid (what you actually gave). Like pensions, they are grossed up ×1.25 and reduce adjusted net income."
},
"children": {
"type": "number",
"default": 2,
"maximum": 8,
"minimum": 1,
"description": "Children you claim child benefit for Eldest child £27.05/week, each additional child £17.90/week (2026-27)."
},
"higherIncome": {
"type": "number",
"default": 70000,
"minimum": 0,
"description": "Higher earner’s taxable income (£) The HIGHER earner’s adjusted-net-income components before this tool’s deductions: salary + bonus + benefits in kind (company car, medical) + rental and investment income. The charge always tests the higher partner individually — never the household total."
},
"pensionContributions": {
"type": "number",
"default": 0,
"minimum": 0,
"description": "Pension contributions this year (relief at source, net) (£) What you actually paid into a personal/workplace relief-at-source pension (the net amount). The provider adds 25% basic-rate relief, and the GROSSED-UP figure (×1.25) reduces your adjusted net income — this is the lever that shrinks or zeroes the charge. Salary-sacrifice and net-pay contributions are already out of your taxable income, so leave those out."
}
},
"additionalProperties": false
}{
"type": "object",
"required": [],
"properties": {
"profit": {
"type": "number",
"default": 40000,
"minimum": 0,
"description": "Self-employment profit for 2025-26 (£) Tax year 6 Apr 2025 – 5 Apr 2026: revenue minus allowable expenses (your taxable profit, not turnover)."
},
"firstYear": {
"enum": [
"yes",
"no"
],
"type": "string",
"default": "yes",
"description": "Is this your FIRST Self Assessment year? First-timers get the 150% shock: the whole year’s bill plus the first payment on account land on the same day. Returning filers have already part-paid via last year’s payments on account."
},
"priorBill": {
"type": "number",
"default": 0,
"minimum": 0,
"description": "Last year’s total Self Assessment bill (£) Only used when this is NOT your first year: it set the two payments on account (50% each) you have already made toward this year."
},
"payeIncome": {
"type": "number",
"default": 0,
"minimum": 0,
"description": "Employment (PAYE) income in the same year (£) Salary taxed through payroll. It uses up your personal allowance and basic-rate band BEFORE your profit — and because its tax is collected at source, it feeds the 80% test that can spare you payments on account entirely."
}
},
"additionalProperties": false
}| How is your notice being handled? The decisive input: it changes both the amount and the tax. Paid in lieu is taxed as earnings with no £30,000 shelter. The insolvency route is capped weekly and reduced by benefits. |
| weeklyPay | number | Your weekly pay before tax (£) Gross, before tax. Monthly salary ÷ 4.333 if that is easier. |
| contractWeeks | number | Notice in your contract (weeks, if longer) Leave 0 to use the statutory minimum. Many contracts say one or three months — that is 4.3 or 13 weeks, and the longer of the two always wins. |
{
"type": "object",
"required": [],
"properties": {
"years": {
"type": "number",
"default": 5,
"maximum": 50,
"minimum": 0,
"description": "Complete years worked there Full years of continuous employment. Part years do not add a week — at 4 years 11 months you get 4 weeks, not 5."
},
"nation": {
"enum": [
"gb",
"ni"
],
"type": "string",
"default": "gb",
"description": "Where you work Notice periods are the same everywhere in the UK. Only the insolvency weekly cap differs: £751 in Great Britain, £783 in Northern Ireland."
},
"taxRate": {
"enum": [
"0",
"20",
"40",
"45"
],
"type": "string",
"default": "20",
"description": "Your income tax rate Used to estimate the tax on your notice pay. National Insurance comes off on top of this and is not included in the estimate."
},
"benefits": {
"type": "number",
"default": 0,
"maximum": 100000,
"minimum": 0,
"description": "Benefits you got (or could have got) during notice (£ total) Insolvency claims only. Universal Credit or Jobseeker’s Allowance for the notice period is deducted — and it is deducted even if you never applied, unless you were refused and send the rejection letter."
},
"situation": {
"enum": [
"pilon",
"worked",
"insolvent"
],
"type": "string",
"default": "pilon",
"description": "How is your notice being handled? The decisive input: it changes both the amount and the tax. Paid in lieu is taxed as earnings with no £30,000 shelter. The insolvency route is capped weekly and reduced by benefits."
},
"weeklyPay": {
"type": "number",
"default": 700,
"maximum": 20000,
"minimum": 0,
"description": "Your weekly pay before tax (£) Gross, before tax. Monthly salary ÷ 4.333 if that is easier."
},
"contractWeeks": {
"type": "number",
"default": 0,
"maximum": 52,
"minimum": 0,
"description": "Notice in your contract (weeks, if longer) Leave 0 to use the statutory minimum. Many contracts say one or three months — that is 4.3 or 13 weeks, and the longer of the two always wins."
}
},
"additionalProperties": false
}| weeklyPay | number | Gross weekly pay (£) |
| holidayDays | number | Untaken holiday days owed |
| serviceYears | number | Complete years of service Only full years count for redundancy pay. Under 2 years there is no statutory redundancy — but notice and holiday are still owed. |
| noticeTreatment | string | How is your notice being handled? Both are taxed as earnings. Since the 2018 PENP rules, calling a payment "compensation" no longer makes notice tax-free. |
{
"type": "object",
"required": [],
"properties": {
"age": {
"type": "number",
"default": 45,
"maximum": 100,
"minimum": 16,
"description": "Your age when the job ends"
},
"nation": {
"enum": [
"gb",
"ni"
],
"type": "string",
"default": "gb",
"description": "Where do you work? Northern Ireland sets its own, higher statutory limits: £783 a week and £23,490 maximum."
},
"niRate": {
"enum": [
"8",
"2",
"0"
],
"type": "string",
"default": "8",
"description": "Your National Insurance rate NI is due on notice and holiday pay, never on the termination payment — a different boundary from income tax."
},
"taxRate": {
"enum": [
"20",
"40",
"45"
],
"type": "string",
"default": "40",
"description": "Your marginal income tax rate A large payout can push you into a higher band for the year; this applies one rate to the taxable part."
},
"exGratia": {
"type": "number",
"default": 0,
"minimum": 0,
"description": "Employer top-up above the statutory minimum (£) An enhanced or ex-gratia payment. Shares the £30,000 exemption with your statutory redundancy pay."
},
"weeklyPay": {
"type": "number",
"default": 700,
"minimum": 0,
"description": "Gross weekly pay (£)"
},
"holidayDays": {
"type": "number",
"default": 5,
"maximum": 60,
"minimum": 0,
"description": "Untaken holiday days owed"
},
"serviceYears": {
"type": "number",
"default": 10,
"maximum": 60,
"minimum": 0,
"description": "Complete years of service Only full years count for redundancy pay. Under 2 years there is no statutory redundancy — but notice and holiday are still owed."
},
"noticeTreatment": {
"enum": [
"pilon",
"worked"
],
"type": "string",
"default": "pilon",
"description": "How is your notice being handled? Both are taxed as earnings. Since the 2018 PENP rules, calling a payment \"compensation\" no longer makes notice tax-free."
}
},
"additionalProperties": false
}{
"type": "object",
"required": [],
"properties": {
"price": {
"type": "number",
"default": 350000,
"minimum": 1,
"description": "Purchase price (£) The chargeable consideration — normally the agreed purchase price of the property."
},
"buyerType": {
"enum": [
"first-time",
"moving",
"additional"
],
"type": "string",
"default": "moving",
"description": "Which buyer are you? The decisive input — it selects the whole rate table. \"First-time buyer\" means ALL purchasers are first-time buyers: never owned (or part-owned) a dwelling ANYWHERE in the world, including inherited property. \"Additional dwelling\" means you will own 2+ dwellings at completion and are not replacing a main residence you sold. The two are mutually exclusive by definition — a first-time buyer owns nothing, an additional-dwelling buyer already owns."
},
"nonResident": {
"enum": [
"no",
"yes"
],
"type": "string",
"default": "no",
"description": "Any buyer non-UK-resident? Non-resident for SDLT = present in the UK fewer than 183 days in the 12 months before completion. Adds 2% to every band. On a joint purchase, ANY non-resident buyer makes the whole transaction non-resident."
}
},
"additionalProperties": false
}| dismissalDate | string | When does (did) your employment end? Picks the statutory limits: £751 weekly / £22,530 max from 6 April 2026, £719 / £21,570 before. The limits re-uprate every April. |
{
"type": "object",
"required": [],
"properties": {
"age": {
"type": "number",
"default": 45,
"maximum": 100,
"minimum": 16,
"description": "Your age at the dismissal (relevant) date The multiplier depends on your age DURING each backward-counted year of service, not just today’s age — this is the table walk general AI botches. Use your age on the date your employment ends."
},
"nation": {
"enum": [
"gb",
"ni"
],
"type": "string",
"default": "gb",
"description": "Where do you work? Northern Ireland sets its own limits — currently HIGHER than Great Britain’s: £783 weekly, £23,490 maximum."
},
"weeklyPay": {
"type": "number",
"default": 600,
"minimum": 0,
"description": "Gross weekly pay (£) Before tax. If your pay varies, use the average over the 12 weeks before your notice day. Capped at £751 — high earners all get the same statutory figure."
},
"serviceYears": {
"type": "number",
"default": 10,
"maximum": 60,
"minimum": 0,
"description": "Complete years of continuous service Only FULL years count — 9 years 11 months is 9. Under 2 years there is no statutory entitlement; over 20 only the most recent 20 count."
},
"dismissalDate": {
"enum": [
"on-after-6-apr-2026",
"before-6-apr-2026"
],
"type": "string",
"default": "on-after-6-apr-2026",
"description": "When does (did) your employment end? Picks the statutory limits: £751 weekly / £22,530 max from 6 April 2026, £719 / £21,570 before. The limits re-uprate every April."
}
},
"additionalProperties": false
}| tieCountry |
| string |
| Country tie (leavers only) The UK is the country where you spent the most midnights this year — a tie for first place that includes the UK counts as met. IGNORED for arrivers: if you answered "No" to prior-years residence above, this input has no effect on the result. |
| priorResidence | string | Were you UK tax resident in any of the 3 prior tax years? The decisive input, and the one everyone omits when they ask "am I resident?". It decides WHICH ties table applies to you and whether two extra rules — the country tie and the deeming rule — exist for you at all. A leaver can be resident at 46 days; an arriver never before 46. |
| qualifyingDays | number | Days present but NOT at midnight (optional) Days you were in the UK at some point but had left before midnight, so they are not in the count above. Only matters for leavers with 3+ ties — the deeming rule adds every such day past the first 30 to the ties-table day count. Most people can leave this at 0. |
| automaticUkHome | string | Do you meet the UK home test? Yes if you had a UK home you were present in on ≥30 days this year, and there was a window of 91 consecutive days (at least 30 of them falling in this tax year) during which you had no overseas home — or were present in every overseas home you had on fewer than 30 days in the year. |
| automaticUkWork | string | Did you work full-time in the UK? Yes if over a 365-day period (falling at least partly in this year) more than 75% of your 3-hour-plus workdays were UK workdays, with at least one such UK workday in this tax year and no significant break from UK work. |
| tieAccommodation | string | Accommodation tie A place to live in the UK available to you for a continuous period of 91+ days, in which you spent at least 1 night this year. If it is the home of a close relative, it only counts if you spent 16+ nights there. |
| automaticOverseasWork | string | Did you work full-time overseas this year? The statutory test in brief: averaged ≥35 hours/week of overseas work over the year (HMRC applies a precise 5-step hours calculation), no significant break (31+ days without an overseas workday), and fewer than 31 UK workdays of more than 3 hours. Answer yes only if you would clear the full test. |
{
"type": "object",
"required": [],
"properties": {
"days": {
"type": "number",
"default": 90,
"maximum": 366,
"minimum": 0,
"description": "Days present in the UK at midnight this tax year Count days you were in the UK at the end of the day (midnight). Enter the count with exceptional-circumstances days (capped at 60) already removed, and exclude pure transit days (arrived one day, left the next, did nothing unrelated to travel)."
},
"tieWork": {
"enum": [
"no",
"yes"
],
"type": "string",
"default": "no",
"description": "Work tie 40 or more days this year (in any pattern) on which you did more than 3 hours of work in the UK."
},
"tie90Day": {
"enum": [
"no",
"yes"
],
"type": "string",
"default": "no",
"description": "90-day tie You spent more than 90 days in the UK in either (or both) of the 2 previous tax years."
},
"tieFamily": {
"enum": [
"no",
"yes"
],
"type": "string",
"default": "no",
"description": "Family tie A UK-resident spouse/civil partner (or partner you live with) or minor child. A child you saw in the UK on fewer than 61 days is disregarded; a child who is UK-resident only because of full-time education here is also disregarded if they spend fewer than 21 days in the UK outside term time."
},
"tieCountry": {
"enum": [
"no",
"yes"
],
"type": "string",
"default": "no",
"description": "Country tie (leavers only) The UK is the country where you spent the most midnights this year — a tie for first place that includes the UK counts as met. IGNORED for arrivers: if you answered \"No\" to prior-years residence above, this input has no effect on the result."
},
"priorResidence": {
"enum": [
"leaver",
"arriver"
],
"type": "string",
"default": "leaver",
"description": "Were you UK tax resident in any of the 3 prior tax years? The decisive input, and the one everyone omits when they ask \"am I resident?\". It decides WHICH ties table applies to you and whether two extra rules — the country tie and the deeming rule — exist for you at all. A leaver can be resident at 46 days; an arriver never before 46."
},
"qualifyingDays": {
"type": "number",
"default": 0,
"maximum": 366,
"minimum": 0,
"description": "Days present but NOT at midnight (optional) Days you were in the UK at some point but had left before midnight, so they are not in the count above. Only matters for leavers with 3+ ties — the deeming rule adds every such day past the first 30 to the ties-table day count. Most people can leave this at 0."
},
"automaticUkHome": {
"enum": [
"no",
"yes"
],
"type": "string",
"default": "no",
"description": "Do you meet the UK home test? Yes if you had a UK home you were present in on ≥30 days this year, and there was a window of 91 consecutive days (at least 30 of them falling in this tax year) during which you had no overseas home — or were present in every overseas home you had on fewer than 30 days in the year."
},
"automaticUkWork": {
"enum": [
"no",
"yes"
],
"type": "string",
"default": "no",
"description": "Did you work full-time in the UK? Yes if over a 365-day period (falling at least partly in this year) more than 75% of your 3-hour-plus workdays were UK workdays, with at least one such UK workday in this tax year and no significant break from UK work."
},
"tieAccommodation": {
"enum": [
"no",
"yes"
],
"type": "string",
"default": "no",
"description": "Accommodation tie A place to live in the UK available to you for a continuous period of 91+ days, in which you spent at least 1 night this year. If it is the home of a close relative, it only counts if you spent 16+ nights there."
},
"automaticOverseasWork": {
"enum": [
"no",
"yes"
],
"type": "string",
"default": "no",
"description": "Did you work full-time overseas this year? The statutory test in brief: averaged ≥35 hours/week of overseas work over the year (HMRC applies a precise 5-step hours calculation), no significant break (31+ days without an overseas workday), and fewer than 31 UK workdays of more than 3 hours. Answer yes only if you would clear the full test."
}
},
"additionalProperties": false
}| housingElement | string | Does your UC include a housing element? The hidden switch. If your UC award includes help with housing costs, your work allowance is £427/month; with no housing element it is £710. Check your UC statement, not your tenancy — it is about what is IN the award. |
| netMonthlyEarnings | number | Your net monthly earnings (take-home) (£) Take-home pay per assessment month — after income tax, National Insurance, AND 100% of your pension contributions. UC tapers NET earnings, not gross: this is the number on your bank statement, and pension contributions reduce it pound-for-pound. |
{
"type": "object",
"required": [],
"properties": {
"household": {
"enum": [
"single25",
"singleU25",
"couple25",
"coupleU25"
],
"type": "string",
"default": "single25",
"description": "Your household Sets the standard allowance — the base of your maximum UC award. Couples claim jointly and their earnings are combined."
},
"hasChildren": {
"enum": [
"yes",
"no"
],
"type": "string",
"default": "yes",
"description": "Children on the claim? The work-allowance gate. Only households responsible for a child OR with limited capability for work (LCW/LCWRA after a Work Capability Assessment) get a work allowance. Answer \"yes\" if either applies. Everyone else is tapered from the first pound of net earnings."
},
"extraEarnings": {
"type": "number",
"default": 200,
"minimum": 0,
"description": "Extra net earnings you are considering (£) The raise, extra shift, or overtime you are weighing — as extra NET (take-home) pay per month. The tool shows how much of it survives the taper."
},
"otherElements": {
"type": "number",
"default": 0,
"minimum": 0,
"description": "Other UC elements on your statement (£) Child, housing, disability, and carer elements from your UC statement — add them so the taper math starts from your real maximum award. Left at 0, the tool uses only the standard allowance and will understate your actual payment (though the keep-rate on extra earnings is unaffected while UC stays above £0)."
},
"housingElement": {
"enum": [
"yes",
"no"
],
"type": "string",
"default": "yes",
"description": "Does your UC include a housing element? The hidden switch. If your UC award includes help with housing costs, your work allowance is £427/month; with no housing element it is £710. Check your UC statement, not your tenancy — it is about what is IN the award."
},
"netMonthlyEarnings": {
"type": "number",
"default": 1200,
"minimum": 0,
"description": "Your net monthly earnings (take-home) (£) Take-home pay per assessment month — after income tax, National Insurance, AND 100% of your pension contributions. UC tapers NET earnings, not gross: this is the number on your bank statement, and pension contributions reduce it pound-for-pound."
}
},
"additionalProperties": false
}| string |
| Did your state expand Medicaid? Decides the bottom end. In expansion states, adults under 138% of poverty get Medicaid instead of a marketplace subsidy. In the 10 non-expansion states, adults below 100% FPL fall into the coverage gap — too rich for Medicaid, too poor for a subsidy. *WI covers adults to 100% FPL by waiver. |
| household | number | People in your tax household You, your spouse if filing jointly, and everyone you claim as a dependent — this sets the poverty line the percentage is measured against. |
{
"type": "object",
"required": [],
"properties": {
"state": {
"enum": [
"contiguous",
"alaska",
"hawaii"
],
"type": "string",
"default": "contiguous",
"description": "Which state Alaska and Hawaii have higher federal poverty guidelines, which shifts every threshold up."
},
"income": {
"type": "number",
"default": 60000,
"maximum": 1000000,
"minimum": 0,
"description": "Expected 2026 household income (MAGI) Your best estimate of full-year 2026 household modified AGI — the number the credit is reconciled against at filing, not just what you report at enrollment. A bonus, capital gain, or extra freelance income counts."
},
"benchmark": {
"type": "number",
"default": 1400,
"maximum": 10000,
"minimum": 0,
"description": "Benchmark Silver premium (monthly, for your household) The second-lowest-cost Silver plan (SLCSP) for your household — the plan the subsidy is pegged to. Find yours on healthcare.gov’s plan preview or the KFF subsidy calculator; it varies a lot by age and county. The default is a rough mid-range family figure — replace it for an accurate dollar subsidy."
},
"expansion": {
"enum": [
"yes",
"no"
],
"type": "string",
"default": "yes",
"description": "Did your state expand Medicaid? Decides the bottom end. In expansion states, adults under 138% of poverty get Medicaid instead of a marketplace subsidy. In the 10 non-expansion states, adults below 100% FPL fall into the coverage gap — too rich for Medicaid, too poor for a subsidy. *WI covers adults to 100% FPL by waiver."
},
"household": {
"type": "number",
"default": 2,
"maximum": 12,
"minimum": 1,
"description": "People in your tax household You, your spouse if filing jointly, and everyone you claim as a dependent — this sets the poverty line the percentage is measured against."
}
},
"additionalProperties": false
}| lifetimeGiftsUsed | number | Lifetime taxable gifts already made ($) Cumulative gifts above the annual exclusion ($19,000/recipient in 2026) reported on gift-tax returns. These consume your unified exclusion before death. |
{
"type": "object",
"required": [],
"properties": {
"state": {
"enum": [
"no-estate-tax",
"has-estate-tax"
],
"type": "string",
"default": "no-estate-tax",
"description": "Does your state levy its own estate tax? WA, OR, MN, IL, MD, MA, RI, CT, VT, NY, ME, HI + DC levy their own estate tax with thresholds far below $15M (Oregon starts at $1M). This tool flags it but computes federal only."
},
"dsueAmount": {
"type": "number",
"default": 0,
"minimum": 0,
"description": "DSUE amount from deceased spouse ($) The unused exclusion ported from your deceased spouse (from their Form 706). Only applies with the “surviving spouse with elected DSUE” status above."
},
"estateValue": {
"type": "number",
"default": 8000000,
"minimum": 0,
"description": "Gross estate value ($) Everything you own at death — real estate, investments, retirement accounts, business interests, life-insurance proceeds you own. Use today’s value as an estimate."
},
"maritalStatus": {
"enum": [
"single",
"widowed-with-DSUE"
],
"type": "string",
"default": "single",
"description": "Marital / portability situation DSUE (deceased spousal unused exclusion) only counts if a Form 706 was filed for the deceased spouse to elect portability — it is not automatic."
},
"lifetimeGiftsUsed": {
"type": "number",
"default": 0,
"minimum": 0,
"description": "Lifetime taxable gifts already made ($) Cumulative gifts above the annual exclusion ($19,000/recipient in 2026) reported on gift-tax returns. These consume your unified exclusion before death."
}
},
"additionalProperties": false
}| utilizationPct | number | Billable share of worked hours (%) The hidden lever. Sales, admin, invoicing, and bench time don’t bill — professional-services benchmark is ~66%; solo practices vary widely. |
| employeeHealthCost | number | Your share of health premium as an employee (annual) What comes out of your paycheck for coverage. Default: KFF 2025 average worker contribution for single coverage. |
| freelanceHealthCost | number | Full health premium as a freelancer (annual) What you would pay for comparable coverage on your own (marketplace or otherwise). Default: KFF 2025 average single premium. Family coverage runs ~$27,000. Deductible against income tax (not SE tax). |
{
"type": "object",
"required": [],
"properties": {
"filing": {
"enum": [
"single",
"hoh",
"mfj"
],
"type": "string",
"default": "single",
"description": "Filing status"
},
"salary": {
"type": "number",
"default": 100000,
"maximum": 2000000,
"minimum": 10000,
"description": "The W-2 salary to match Annual gross salary of the job you have or are comparing against."
},
"matchPct": {
"type": "number",
"default": 4.7,
"maximum": 15,
"minimum": 0,
"description": "Employer 401(k) match (%) Percent of salary your employer contributes. Default: the 2025 Vanguard average (4.7%). The freelancer self-funds this to stay even (deductible via a solo 401(k))."
},
"weeksWorked": {
"type": "number",
"default": 46,
"maximum": 52,
"minimum": 20,
"description": "Working weeks per year After vacation, holidays, and sick time — which no longer come paid. A W-2 job with ~23 paid days off works ≈47 weeks but is paid for 52."
},
"hoursPerWeek": {
"type": "number",
"default": 40,
"maximum": 80,
"minimum": 5,
"description": "Hours worked per week (freelance)"
},
"utilizationPct": {
"type": "number",
"default": 70,
"maximum": 100,
"minimum": 20,
"description": "Billable share of worked hours (%) The hidden lever. Sales, admin, invoicing, and bench time don’t bill — professional-services benchmark is ~66%; solo practices vary widely."
},
"employeeHealthCost": {
"type": "number",
"default": 1529,
"maximum": 30000,
"minimum": 0,
"description": "Your share of health premium as an employee (annual) What comes out of your paycheck for coverage. Default: KFF 2025 average worker contribution for single coverage."
},
"freelanceHealthCost": {
"type": "number",
"default": 9325,
"maximum": 60000,
"minimum": 0,
"description": "Full health premium as a freelancer (annual) What you would pay for comparable coverage on your own (marketplace or otherwise). Default: KFF 2025 average single premium. Family coverage runs ~$27,000. Deductible against income tax (not SE tax)."
}
},
"additionalProperties": false
}| filing |
| string |
| Filing status Married filing jointly assumes a 2-adult household; single and head-of-household assume 1 adult. |
| income | number | Current annual earned income (household) Gross W-2 wages for the household before tax. This model treats all income as earned. |
| premium | number | Marketplace benchmark premium (monthly, optional) The second-lowest-cost Silver plan for your household on healthcare.gov. Enter it to model ACA subsidies and the restored 400% FPL cliff; leave 0 to skip health-coverage math. |
| expansion | string | Did your state expand Medicaid? The decisive input. In expansion states adults keep Medicaid up to 138% of the poverty line — and lose it in one step above. In the 10 non-expansion states, adults below 100% FPL may get no help at all (the coverage gap). *WI covers adults to 100% FPL by waiver. |
{
"type": "object",
"required": [],
"properties": {
"bbce": {
"enum": [
"bbce200",
"std130"
],
"type": "string",
"default": "bbce200",
"description": "SNAP gross-income limit in your state Most states raised the SNAP entry limit to 200% FPL via Broad-Based Categorical Eligibility — whether yours did decides where the SNAP door slams. Check your state SNAP page if unsure."
},
"kids": {
"type": "number",
"default": 2,
"maximum": 8,
"minimum": 0,
"description": "Qualifying children (under 17) Sets CTC ($2,200 each), the EITC schedule, and household size for SNAP/Medicaid."
},
"rent": {
"type": "number",
"default": 1200,
"maximum": 10000,
"minimum": 0,
"description": "Monthly rent / shelter cost Rent plus basic utilities — drives SNAP’s excess-shelter deduction, which changes the benefit materially."
},
"raise": {
"type": "number",
"default": 5000,
"maximum": 100000,
"minimum": 1,
"description": "The raise (annual amount) Annual value of the raise, extra hours, or second job you are weighing."
},
"filing": {
"enum": [
"single",
"hoh",
"mfj"
],
"type": "string",
"default": "hoh",
"description": "Filing status Married filing jointly assumes a 2-adult household; single and head-of-household assume 1 adult."
},
"income": {
"type": "number",
"default": 32000,
"maximum": 500000,
"minimum": 0,
"description": "Current annual earned income (household) Gross W-2 wages for the household before tax. This model treats all income as earned."
},
"premium": {
"type": "number",
"default": 0,
"maximum": 5000,
"minimum": 0,
"description": "Marketplace benchmark premium (monthly, optional) The second-lowest-cost Silver plan for your household on healthcare.gov. Enter it to model ACA subsidies and the restored 400% FPL cliff; leave 0 to skip health-coverage math."
},
"expansion": {
"enum": [
"yes",
"no"
],
"type": "string",
"default": "yes",
"description": "Did your state expand Medicaid? The decisive input. In expansion states adults keep Medicaid up to 138% of the poverty line — and lose it in one step above. In the 10 non-expansion states, adults below 100% FPL may get no help at all (the coverage gap). *WI covers adults to 100% FPL by waiver."
}
},
"additionalProperties": false
}| w2Withholding | number | Federal income tax withheld at the W-2 job (annual) From your pay stubs — federal income tax only. Withholding is treated as paid evenly across the year, which matters for the safe harbor. |
| priorAgiOver150k | string | Was your 2025 AGI over $150,000? Over $150,000 ($75,000 married filing separately), the prior-year safe harbor rises from 100% to 110% of last year’s tax. |
{
"type": "object",
"required": [],
"properties": {
"filing": {
"enum": [
"single",
"hoh",
"mfj"
],
"type": "string",
"default": "single",
"description": "Filing status"
},
"w2Wages": {
"type": "number",
"default": 0,
"maximum": 5000000,
"minimum": 0,
"description": "W-2 wages this year (if side-gigging) Your day-job wages matter twice: they eat the Social Security wage cap first (shrinking your SE tax), and their withholding counts toward the safe harbor."
},
"seProfit": {
"type": "number",
"default": 60000,
"maximum": 5000000,
"minimum": 0,
"description": "Expected 2026 self-employment profit Profit, not revenue — revenue minus business expenses. Entering gross revenue here is the most common way freelancers over-pay."
},
"priorYearTax": {
"type": "number",
"default": 0,
"maximum": 5000000,
"minimum": 0,
"description": "Total tax on your 2025 return The \"total tax\" line (line 22-ish) on your 2025 Form 1040. This is the safe-harbor anchor: pay 100% of it (110% if prior AGI > $150k) and you cannot be penalized regardless of what you earn this year — THE thing first-year freelancers don’t know. If you owed $0 in 2025, enter 0."
},
"w2Withholding": {
"type": "number",
"default": 0,
"maximum": 1000000,
"minimum": 0,
"description": "Federal income tax withheld at the W-2 job (annual) From your pay stubs — federal income tax only. Withholding is treated as paid evenly across the year, which matters for the safe harbor."
},
"priorAgiOver150k": {
"enum": [
"no",
"yes"
],
"type": "string",
"default": "no",
"description": "Was your 2025 AGI over $150,000? Over $150,000 ($75,000 married filing separately), the prior-year safe harbor rises from 100% to 110% of last year’s tax."
}
},
"additionalProperties": false
}| balance |
| number |
| Total loan balance Outstanding principal. Sets the standard-plan comparator, the IBR payment cap, and the interest math. |
| loanType | string | Loan type Parent PLUS loans are excluded from RAP entirely, and reach IBR only through a consolidation carve-out — the answer changes completely. |
| firstLoan | string | When was your FIRST federal loan disbursed? The decisive input. Your first-ever federal disbursement date sets WHICH IBR you get (15%/25yr vs 10%/20yr) — and loans originated from 1 Jul 2026 can’t use IBR at all. Taking any new loan on/after 1 Jul 2026 also ends IBR eligibility for your old loans. |
| dependents | number | Dependents claimed on your return RAP subtracts $50/month per dependent (IRC §152 dependents claimed on your federal return). Not the same thing as family size. |
| familySize | number | Family size You + spouse + dependents — sets the poverty-guideline deduction in IBR. |
{
"type": "object",
"required": [],
"properties": {
"agi": {
"type": "number",
"default": 60000,
"maximum": 2000000,
"minimum": 0,
"description": "Adjusted gross income (AGI) From your latest federal return. Married filing jointly: combined AGI of both spouses. Married filing separately: yours only."
},
"pslf": {
"enum": [
"no",
"yes"
],
"type": "string",
"default": "no",
"description": "Public Service Loan Forgiveness track? PSLF flips the strategy: forgiveness arrives at 120 qualifying payments and is federally TAX-FREE, so the lowest qualifying payment wins. Both RAP and IBR qualify; the new Tiered Standard plan does not."
},
"rate": {
"type": "number",
"default": 6.5,
"maximum": 15,
"minimum": 0,
"description": "Average interest rate (%) Weighted average across your loans."
},
"state": {
"enum": [
"contiguous",
"alaska",
"hawaii"
],
"type": "string",
"default": "contiguous",
"description": "Where do you live? Alaska and Hawaii have higher poverty guidelines, which lowers IBR payments."
},
"balance": {
"type": "number",
"default": 38000,
"maximum": 1000000,
"minimum": 0,
"description": "Total loan balance Outstanding principal. Sets the standard-plan comparator, the IBR payment cap, and the interest math."
},
"loanType": {
"enum": [
"regular",
"parentPlus"
],
"type": "string",
"default": "regular",
"description": "Loan type Parent PLUS loans are excluded from RAP entirely, and reach IBR only through a consolidation carve-out — the answer changes completely."
},
"firstLoan": {
"enum": [
"pre2014",
"mid",
"post2026"
],
"type": "string",
"default": "mid",
"description": "When was your FIRST federal loan disbursed? The decisive input. Your first-ever federal disbursement date sets WHICH IBR you get (15%/25yr vs 10%/20yr) — and loans originated from 1 Jul 2026 can’t use IBR at all. Taking any new loan on/after 1 Jul 2026 also ends IBR eligibility for your old loans."
},
"dependents": {
"type": "number",
"default": 0,
"maximum": 12,
"minimum": 0,
"description": "Dependents claimed on your return RAP subtracts $50/month per dependent (IRC §152 dependents claimed on your federal return). Not the same thing as family size."
},
"familySize": {
"type": "number",
"default": 1,
"maximum": 15,
"minimum": 1,
"description": "Family size You + spouse + dependents — sets the poverty-guideline deduction in IBR."
}
},
"additionalProperties": false
}| Days in the US this calendar year Any part of a day counts as a full day — an evening arrival is a day. But first REMOVE days that never count: regular-commuter days from Canada/Mexico, under-24h transits between two foreign points, days as crew of a foreign vessel, and days you could not leave because of a medical condition that arose in the US. |
| exemptYears | number | Exempt calendar years Only used for student/teacher status; two meanings. Student (F/J/M/Q): the calendar years you have EVER spent as an exempt student, teacher, or trainee — cumulative over your lifetime, any part of a year counts as a full year, and include this year if it applies. Teacher/trainee (J/Q): how many of the 6 PRECEDING calendar years you were exempt. |
| closerConnection | string | Foreign tax home with a closer connection? If the test is met but you spent under 183 actual days, the closer connection exception can still keep you a nonresident: a tax home in a foreign country for the entire year plus a closer connection to it, claimed on a timely Form 8840. |
{
"type": "object",
"required": [],
"properties": {
"status": {
"enum": [
"none",
"greenCard",
"studentFJMQ",
"teacherJQ"
],
"type": "string",
"default": "none",
"description": "US immigration status this year The decisive input, and the one almost nobody knows matters. A green card makes you a resident regardless of days. F/J/M/Q student and J/Q teacher visas can make your days NOT count at all — or, past a limit, suddenly count. Most work and visitor statuses (H-1B, L-1, B1/B2, ESTA) have no special rule: pick the first option."
},
"daysPrior1": {
"type": "number",
"default": 120,
"maximum": 366,
"minimum": 0,
"description": "Days in the US in the 1st preceding year Last calendar year’s day count, same counting rules. It is weighted at one-third — prior years are why \"under 183 this year\" is not safe."
},
"daysPrior2": {
"type": "number",
"default": 120,
"maximum": 366,
"minimum": 0,
"description": "Days in the US in the 2nd preceding year The calendar year before that, weighted at one-sixth."
},
"daysCurrent": {
"type": "number",
"default": 120,
"maximum": 366,
"minimum": 0,
"description": "Days in the US this calendar year Any part of a day counts as a full day — an evening arrival is a day. But first REMOVE days that never count: regular-commuter days from Canada/Mexico, under-24h transits between two foreign points, days as crew of a foreign vessel, and days you could not leave because of a medical condition that arose in the US."
},
"exemptYears": {
"type": "number",
"default": 0,
"maximum": 15,
"minimum": 0,
"description": "Exempt calendar years Only used for student/teacher status; two meanings. Student (F/J/M/Q): the calendar years you have EVER spent as an exempt student, teacher, or trainee — cumulative over your lifetime, any part of a year counts as a full year, and include this year if it applies. Teacher/trainee (J/Q): how many of the 6 PRECEDING calendar years you were exempt."
},
"closerConnection": {
"enum": [
"unsure",
"yes",
"no"
],
"type": "string",
"default": "unsure",
"description": "Foreign tax home with a closer connection? If the test is met but you spent under 183 actual days, the closer connection exception can still keep you a nonresident: a tax home in a foreign country for the entire year plus a closer connection to it, claimed on a timely Form 8840."
}
},
"additionalProperties": false
}