{"apiVersion":"v1","directorySlug":"xearno-mcp-b7a5489e9b","title":"Xearno Tools — the tool bench for money & business decisions","description":"Calculators kept current with today’s rules — tax, severance, residency, platform fees. Every tool computes the number, reads it against operator benchmarks, and is callable by AI agents via API and MCP.","pageUrl":"https://www.mcpbundles.com/skills/xearno-mcp-b7a5489e9b","connectPath":"importable","connectAction":"import_server","catalogListing":false,"bundleSlug":null,"listingKind":"remote_mcp","kind":"provider","transportUrl":"https://xearno.tools/mcp","hostedMcpUrl":null,"toolCount":72,"toolInventoryStatus":"observed","refreshedAt":"2026-11-03T13:26:00.516172+00:00","registryName":"tools.xearno/xearno-mcp-b7a5489e9b","registryVersion":"2026.11.3","registryEligible":true,"tools":[{"name":"income_tax","description":"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.","inputSchema":{"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"},"deduction":{"type":"number"},"annualIncome":{"type":"number"}},"additionalProperties":false},"title":"Income Tax Calculator (24 countries)","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"income_tax","displayName":"Income Tax Calculator (24 countries)"},{"name":"us_aca_subsidy_cliff","description":"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,","inputSchema":{"type":"object","required":[],"properties":{"state":{"enum":["contiguous","alaska","hawaii"],"type":"string","default":"contiguous"},"income":{"type":"number","default":60000,"maximum":1000000,"minimum":0},"benchmark":{"type":"number","default":1400,"maximum":10000,"minimum":0},"expansion":{"enum":["yes","no"],"type":"string","default":"yes"},"household":{"type":"number","default":2,"maximum":12,"minimum":1}},"additionalProperties":false},"title":"ACA Subsidy Cliff Checker (2026)","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"us_aca_subsidy_cliff","displayName":"ACA Subsidy Cliff Checker (2026)"},{"name":"uk_statutory_redundancy_pay","description":"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 how","inputSchema":{"type":"object","required":[],"properties":{"age":{"type":"number","default":45,"maximum":100,"minimum":16},"nation":{"enum":["gb","ni"],"type":"string","default":"gb"},"weeklyPay":{"type":"number","default":600,"minimum":0},"serviceYears":{"type":"number","default":10,"maximum":60,"minimum":0},"dismissalDate":{"enum":["on-after-6-apr-2026","before-6-apr-2026"],"type":"string","default":"on-after-6-apr-2026"}},"additionalProperties":false},"title":"UK Redundancy Pay Calculator — statutory entitlement 2026","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"uk_statutory_redundancy_pay","displayName":"UK Redundancy Pay Calculator — statutory entitlement 2026"},{"name":"uk_notice_pay","description":"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","inputSchema":{"type":"object","required":[],"properties":{"years":{"type":"number","default":5,"maximum":50,"minimum":0},"nation":{"enum":["gb","ni"],"type":"string","default":"gb"},"taxRate":{"enum":["0","20","40","45"],"type":"string","default":"20"},"benefits":{"type":"number","default":0,"maximum":100000,"minimum":0},"situation":{"enum":["pilon","worked","insolvent"],"type":"string","default":"pilon"},"weeklyPay":{"type":"number","default":700,"maximum":20000,"minimum":0},"contractWeeks":{"type":"number","default":0,"maximum":52,"minimum":0}},"additionalProperties":false},"title":"UK Notice Pay Calculator","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"uk_notice_pay","displayName":"UK Notice Pay Calculator"},{"name":"netherlands_30_percent_ruling","description":"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 coll","inputSchema":{"type":"object","required":[],"properties":{"year":{"enum":["2026","2027"],"type":"string","default":"2026"},"cohort":{"enum":["new","started2024","started2023"],"type":"string","default":"new"},"salary":{"type":"number","default":60000,"minimum":0},"distanceOk":{"enum":["yes","no"],"type":"string","default":"yes"},"priorNlMonths":{"type":"number","default":0,"maximum":300,"minimum":0},"under30Masters":{"enum":["no","yes"],"type":"string","default":"no"}},"additionalProperties":false},"title":"Netherlands 30% Ruling Calculator — 2027 changes","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"netherlands_30_percent_ruling","displayName":"Netherlands 30% Ruling Calculator — 2027 changes"},{"name":"thailand_social_security","description":"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 ju","inputSchema":{"type":"object","required":[],"properties":{"year":{"enum":["2025","2026","2029","2032"],"type":"string","default":"2026"},"section":{"enum":["33","39","40"],"type":"string","default":"33"},"s40option":{"enum":["1","2","3"],"type":"string","default":"1"},"monthlyWage":{"type":"number","default":30000,"minimum":0}},"additionalProperties":false},"title":"Thailand Social Security Contribution (2026 ceiling unfreeze)","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"thailand_social_security","displayName":"Thailand Social Security Contribution (2026 ceiling unfreeze)"},{"name":"ny_statutory_residence_checker","description":"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","inputSchema":{"type":"object","required":[],"properties":{"abode":{"enum":["none","yearRound","vacation","undergrad"],"type":"string","default":"none"},"daysNY":{"type":"number","default":0,"maximum":366,"minimum":0},"daysNYC":{"type":"number","default":0,"maximum":366,"minimum":0},"abodeInNYC":{"enum":["no","yes"],"type":"string","default":"no"},"abodeMonths":{"type":"number","default":12,"maximum":12,"minimum":0},"armedForces":{"enum":["no","yes"],"type":"string","default":"no"}},"additionalProperties":false},"title":"New York Statutory Residence Checker (183-Day + Abode Test)","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"ny_statutory_residence_checker","displayName":"New York Statutory Residence Checker (183-Day + Abode Test)"},{"name":"uk_stamp_duty_sdlt","description":"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 thos","inputSchema":{"type":"object","required":[],"properties":{"price":{"type":"number","default":350000,"minimum":1},"buyerType":{"enum":["first-time","moving","additional"],"type":"string","default":"moving"},"nonResident":{"enum":["no","yes"],"type":"string","default":"no"}},"additionalProperties":false},"title":"UK Stamp Duty Calculator (SDLT) — England & Northern Ireland","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"uk_stamp_duty_sdlt","displayName":"UK Stamp Duty Calculator (SDLT) — England & Northern Ireland"},{"name":"hong_kong_profits_tax","description":"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 th","inputSchema":{"type":"object","required":[],"properties":{"profit":{"type":"number","default":3000000,"maximum":10000000000,"minimum":0},"tiered":{"enum":["yes","no"],"type":"string","default":"yes"},"entityType":{"enum":["corporation","unincorporated"],"type":"string","default":"corporation"}},"additionalProperties":false},"title":"Hong Kong Profits Tax Calculator","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"hong_kong_profits_tax","displayName":"Hong Kong Profits Tax Calculator"},{"name":"income_tax_singapore","description":"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 re","inputSchema":{"type":"object","required":[],"properties":{"status":{"enum":["resident","nonResidentEmployee","nonResidentOther"],"type":"string","default":"resident"},"reliefs":{"type":"number","default":0,"maximum":80000,"minimum":0},"annualIncome":{"type":"number","default":60000,"maximum":100000000,"minimum":0}},"additionalProperties":false},"title":"Singapore Income Tax Calculator (YA 2026)","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"income_tax_singapore","displayName":"Singapore Income Tax Calculator (YA 2026)"},{"name":"income_tax_netherlands","description":"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.","inputSchema":{"type":"object","required":[],"properties":{"annualIncome":{"type":"number","default":45000,"maximum":10000000,"minimum":0}},"additionalProperties":false},"title":"Netherlands Income Tax Calculator (2026)","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"income_tax_netherlands","displayName":"Netherlands Income Tax Calculator (2026)"},{"name":"australia_hecs_help_repayment","description":"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 backd","inputSchema":{"type":"object","required":[],"properties":{"balance":{"type":"number","default":27600,"minimum":0},"incomeYear":{"enum":["2025-26","2026-27"],"type":"string","default":"2026-27"},"hadDebtJun2025":{"enum":["yes","no"],"type":"string","default":"yes"},"repaymentIncome":{"type":"number","default":85000,"minimum":0}},"additionalProperties":false},"title":"Australia HECS-HELP Repayment & Indexation (2025-26 reform)","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"australia_hecs_help_repayment","displayName":"Australia HECS-HELP Repayment & Indexation (2025-26 reform)"},{"name":"uk_capital_gains_tax","description":"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, 1","inputSchema":{"type":"object","required":[],"properties":{"gain":{"type":"number","default":20000,"minimum":0},"assetType":{"enum":["other","residentialProperty","badr"],"type":"string","default":"other"},"disposalDate":{"enum":["2025-26","2026-27"],"type":"string","default":"2026-27"},"taxableIncome":{"type":"number","default":35000,"minimum":0},"badrLifetimeUsed":{"type":"number","default":0,"maximum":1000000,"minimum":0},"otherGainsUsedAea":{"enum":["no","yes"],"type":"string","default":"no"}},"additionalProperties":false},"title":"UK Capital Gains Tax Calculator (2025-26 & 2026-27)","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"uk_capital_gains_tax","displayName":"UK Capital Gains Tax Calculator (2025-26 & 2026-27)"},{"name":"india_gratuity","description":"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 (mos","inputSchema":{"type":"object","required":[],"properties":{"basicDA":{"type":"number","default":25000,"minimum":0},"exitReason":{"enum":["service","death-disablement"],"type":"string","default":"service"},"serviceYears":{"type":"number","default":10,"maximum":60,"minimum":0},"employmentType":{"enum":["permanent","fixed-term","journalist"],"type":"string","default":"permanent"},"totalRemuneration":{"type":"number","default":60000,"minimum":0},"serviceExtraMonths":{"type":"number","default":0,"maximum":11,"minimum":0}},"additionalProperties":false},"title":"India Gratuity Calculator (Labour Codes, from 21 Nov 2025)","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"india_gratuity","displayName":"India Gratuity Calculator (Labour Codes, from 21 Nov 2025)"},{"name":"uk_first_year_self_assessment","description":"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","inputSchema":{"type":"object","required":[],"properties":{"profit":{"type":"number","default":40000,"minimum":0},"firstYear":{"enum":["yes","no"],"type":"string","default":"yes"},"priorBill":{"type":"number","default":0,"minimum":0},"payeIncome":{"type":"number","default":0,"minimum":0}},"additionalProperties":false},"title":"UK Self-Assessment First-Year Bill Calculator (payments on account)","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"uk_first_year_self_assessment","displayName":"UK Self-Assessment First-Year Bill Calculator (payments on account)"},{"name":"compound_growth","description":"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.","inputSchema":{"type":"object","required":[],"properties":{"rate":{"type":"number","default":7,"maximum":50,"minimum":-20},"years":{"type":"number","default":10,"maximum":80,"minimum":1},"monthly":{"type":"number","default":500,"minimum":0},"principal":{"type":"number","default":10000,"minimum":0}},"additionalProperties":false},"title":"Compound Growth","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"compound_growth","displayName":"Compound Growth"},{"name":"savings_goal","description":"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.","inputSchema":{"type":"object","required":[],"properties":{"goal":{"type":"number","default":100000,"minimum":1},"rate":{"type":"number","default":4,"maximum":50,"minimum":-20},"years":{"type":"number","default":5,"maximum":60,"minimum":0.5},"current":{"type":"number","default":10000,"minimum":0}},"additionalProperties":false},"title":"Savings Goal","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"savings_goal","displayName":"Savings Goal"},{"name":"loan_payment","description":"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.","inputSchema":{"type":"object","required":[],"properties":{"rate":{"type":"number","default":5,"maximum":60,"minimum":0},"years":{"type":"number","default":30,"maximum":50,"minimum":0.5},"amount":{"type":"number","default":300000,"minimum":1}},"additionalProperties":false},"title":"Loan Payment","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"loan_payment","displayName":"Loan Payment"},{"name":"fire_number","description":"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.","inputSchema":{"type":"object","required":[],"properties":{"swr":{"type":"number","default":4,"maximum":10,"minimum":1},"rate":{"type":"number","default":7,"maximum":50,"minimum":-20},"current":{"type":"number","default":50000,"minimum":0},"monthly":{"type":"number","default":1500,"minimum":0},"expenses":{"type":"number","default":40000,"minimum":1}},"additionalProperties":false},"title":"FIRE Number","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"fire_number","displayName":"FIRE Number"},{"name":"split_bill","description":"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.","inputSchema":{"type":"object","required":[],"properties":{"tip":{"type":"number","default":0,"maximum":100,"minimum":0},"total":{"type":"number","default":186.4,"minimum":0.01},"people":{"type":"number","default":4,"maximum":200,"minimum":1}},"additionalProperties":false},"title":"Split Bill","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"split_bill","displayName":"Split Bill"},{"name":"unit_price","description":"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.","inputSchema":{"type":"object","required":[],"properties":{"qtyA":{"type":"number","default":500,"minimum":0.001},"qtyB":{"type":"number","default":1000,"minimum":0.001},"priceA":{"type":"number","default":4.99,"minimum":0.001},"priceB":{"type":"number","default":8.49,"minimum":0.001}},"additionalProperties":false},"title":"Unit Price","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"unit_price","displayName":"Unit Price"},{"name":"true_hourly_wage","description":"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.\"","inputSchema":{"type":"object","required":[],"properties":{"gross":{"type":"number","default":800,"minimum":0},"hours":{"type":"number","default":40,"maximum":120,"minimum":0.5},"miles":{"type":"number","default":600,"minimum":0},"taxPct":{"type":"number","default":15,"maximum":60,"minimum":0},"minWage":{"type":"number","default":7.25,"minimum":0},"costPerMile":{"type":"number","default":0.35,"maximum":3,"minimum":0}},"additionalProperties":false},"title":"True Hourly Wage (Gig & Side Hustle)","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"true_hourly_wage","displayName":"True Hourly Wage (Gig & Side Hustle)"},{"name":"steady_paycheck","description":"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.","inputSchema":{"type":"object","required":[],"properties":{"buffer":{"type":"number","default":0,"minimum":0},"incomes":{"type":"array","items":{"type":"number"},"default":[3200,5400,2100,4800,3900,2600]},"essentials":{"type":"number","default":2500,"minimum":0}},"additionalProperties":false},"title":"Steady Paycheck (Variable Income)","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"steady_paycheck","displayName":"Steady Paycheck (Variable Income)"},{"name":"quit_runway","description":"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.","inputSchema":{"type":"object","required":[],"properties":{"savings":{"type":"number","default":30000,"minimum":0},"growthPct":{"type":"number","default":5,"maximum":50,"minimum":0},"essentials":{"type":"number","default":3000,"minimum":1},"extraCosts":{"type":"number","default":500,"minimum":0},"sideIncome":{"type":"number","default":500,"minimum":0}},"additionalProperties":false},"title":"Quit Runway (Can I Afford to Leave?)","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"quit_runway","displayName":"Quit Runway (Can I Afford to Leave?)"},{"name":"china_income_tax_salary","description":"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 gen","inputSchema":{"type":"object","required":[],"properties":{"monthlyGross":{"type":"number","default":30000,"minimum":0},"socialInsurance":{"type":"number","default":4500,"minimum":0},"specialDeductions":{"type":"number","default":3000,"minimum":0}},"additionalProperties":false},"title":"China Salary Tax & Net Pay (cumulative withholding 累计预扣)","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"china_income_tax_salary","displayName":"China Salary Tax & Net Pay (cumulative withholding 累计预扣)"},{"name":"us_estate_tax_exemption","description":"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","inputSchema":{"type":"object","required":[],"properties":{"state":{"enum":["no-estate-tax","has-estate-tax"],"type":"string","default":"no-estate-tax"},"dsueAmount":{"type":"number","default":0,"minimum":0},"estateValue":{"type":"number","default":8000000,"minimum":0},"maritalStatus":{"enum":["single","widowed-with-DSUE"],"type":"string","default":"single"},"lifetimeGiftsUsed":{"type":"number","default":0,"minimum":0}},"additionalProperties":false},"title":"US Federal Estate-Tax Exposure (2026 — the sunset that didn’t happen)","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"us_estate_tax_exemption","displayName":"US Federal Estate-Tax Exposure (2026 — the sunset that didn’t happen)"},{"name":"uk_car_tax_ved","description":"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","inputSchema":{"type":"object","required":[],"properties":{"co2":{"type":"number","default":120,"maximum":400,"minimum":0},"fuel":{"enum":["petrolDiesel","ev"],"type":"string","default":"petrolDiesel"},"regDate":{"enum":["new","y2017","y2001"],"type":"string","default":"new"},"listPrice":{"type":"number","default":30000,"minimum":0},"yearOfOwnership":{"enum":["first","standard","after6"],"type":"string","default":"standard"}},"additionalProperties":false},"title":"UK Road Tax Calculator (car tax / VED) — 2026-27 rates","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"uk_car_tax_ved","displayName":"UK Road Tax Calculator (car tax / VED) — 2026-27 rates"},{"name":"mexico_vacaciones_aguinaldo","description":"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 a","inputSchema":{"type":"object","required":[],"properties":{"serviceYears":{"type":"number","default":3,"maximum":45,"minimum":0},"monthlySalary":{"type":"number","default":15000,"minimum":1},"daysWorkedThisYear":{"type":"number","default":365,"maximum":365,"minimum":0}},"additionalProperties":false},"title":"Mexico Vacation Days, Prima Vacacional & Aguinaldo (Vacaciones Dignas)","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"mexico_vacaciones_aguinaldo","displayName":"Mexico Vacation Days, Prima Vacacional & Aguinaldo (Vacaciones Dignas)"},{"name":"saudi_end_of_service","description":"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 year","inputSchema":{"type":"object","required":[],"properties":{"reason":{"enum":["employerTermination","resignation","art81","art87","art80"],"type":"string","default":"employerTermination"},"monthlyWage":{"type":"number","default":10000,"minimum":0},"serviceYears":{"type":"number","default":7,"maximum":45,"minimum":0}},"additionalProperties":false},"title":"Saudi Arabia End-of-Service Award (EOSB) Calculator","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"saudi_end_of_service","displayName":"Saudi Arabia End-of-Service Award (EOSB) Calculator"},{"name":"uk_child_benefit_charge","description":"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","inputSchema":{"type":"object","required":[],"properties":{"giftAid":{"type":"number","default":0,"minimum":0},"children":{"type":"number","default":2,"maximum":8,"minimum":1},"higherIncome":{"type":"number","default":70000,"minimum":0},"pensionContributions":{"type":"number","default":0,"minimum":0}},"additionalProperties":false},"title":"UK High Income Child Benefit Charge (HICBC) Optimizer","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"uk_child_benefit_charge","displayName":"UK High Income Child Benefit Charge (HICBC) Optimizer"},{"name":"uk_universal_credit_taper","description":"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 o","inputSchema":{"type":"object","required":[],"properties":{"household":{"enum":["single25","singleU25","couple25","coupleU25"],"type":"string","default":"single25"},"hasChildren":{"enum":["yes","no"],"type":"string","default":"yes"},"extraEarnings":{"type":"number","default":200,"minimum":0},"otherElements":{"type":"number","default":0,"minimum":0},"housingElement":{"enum":["yes","no"],"type":"string","default":"yes"},"netMonthlyEarnings":{"type":"number","default":1200,"minimum":0}},"additionalProperties":false},"title":"UK Universal Credit Taper — Does Working More Pay?","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"uk_universal_credit_taper","displayName":"UK Universal Credit Taper — Does Working More Pay?"},{"name":"uae_gratuity","description":"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. G","inputSchema":{"type":"object","required":[],"properties":{"mode":{"enum":["gratuity","compare"],"type":"string","default":"gratuity"},"basicMonthly":{"type":"number","default":8000,"minimum":0},"serviceYears":{"type":"number","default":6,"maximum":45,"minimum":0}},"additionalProperties":false},"title":"UAE End-of-Service Gratuity Calculator","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"uae_gratuity","displayName":"UAE End-of-Service Gratuity Calculator"},{"name":"korea_parental_leave_benefit","description":"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 l","inputSchema":{"type":"object","required":[],"properties":{"months":{"type":"number","default":12,"maximum":18,"minimum":1},"scheme":{"enum":["general","sixSix","singleParent"],"type":"string","default":"general"},"monthlyWage":{"type":"number","default":3500000,"minimum":0}},"additionalProperties":false},"title":"Korea Parental Leave Benefit Calculator (육아휴직급여, 2025 reform + 6+6)","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"korea_parental_leave_benefit","displayName":"Korea Parental Leave Benefit Calculator (육아휴직급여, 2025 reform + 6+6)"},{"name":"france_conges_arret_maladie","description":"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 no","inputSchema":{"type":"object","required":[],"properties":{"convention":{"enum":["ouvrables","ouvres"],"type":"string","default":"ouvrables"},"sickMonths":{"type":"number","default":4,"maximum":12,"minimum":0},"absenceType":{"enum":["nonOccupational","occupational"],"type":"string","default":"nonOccupational"},"workedMonths":{"type":"number","default":8,"maximum":12,"minimum":0}},"additionalProperties":false},"title":"France Paid-Holiday Accrual During Sick Leave (post-2024 rules)","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"france_conges_arret_maladie","displayName":"France Paid-Holiday Accrual During Sick Leave (post-2024 rules)"},{"name":"japan_childcare_leave_benefit","description":"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 soci","inputSchema":{"type":"object","required":[],"properties":{"claimant":{"enum":["father","mother"],"type":"string","default":"father"},"leaveDays":{"type":"number","default":180,"maximum":365,"minimum":5},"monthlyWage":{"type":"number","default":350000,"minimum":0},"bothCondition":{"enum":["yes","no"],"type":"string","default":"yes"}},"additionalProperties":false},"title":"Japan Childcare Leave Benefit Calculator (育児休業給付金 & 出生後休業支援給付金)","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"japan_childcare_leave_benefit","displayName":"Japan Childcare Leave Benefit Calculator (育児休業給付金 & 出生後休業支援給付金)"},{"name":"apr_to_apy","description":"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.","inputSchema":{"type":"object","required":[],"properties":{"mode":{"enum":["apr-to-apy","apy-to-apr"],"type":"string","default":"apr-to-apy"},"rate":{"type":"number","default":24,"maximum":200,"minimum":0},"periods":{"enum":["365","12","4","1"],"type":"string","default":"365"}},"additionalProperties":false},"title":"APR ↔ APY Converter","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"apr_to_apy","displayName":"APR ↔ APY Converter"},{"name":"price_in_hours","description":"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.","inputSchema":{"type":"object","required":[],"properties":{"pay":{"type":"number","default":25,"minimum":0.01},"price":{"type":"number","default":1200,"minimum":0.01},"cadence":{"enum":["once","monthly","yearly"],"type":"string","default":"once"},"payMode":{"enum":["hourly","salary"],"type":"string","default":"hourly"},"takeHomePct":{"type":"number","default":75,"maximum":100,"minimum":10}},"additionalProperties":false},"title":"Price in Work Hours","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"price_in_hours","displayName":"Price in Work Hours"},{"name":"mortgage","description":"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.","inputSchema":{"type":"object","required":[],"properties":{"rate":{"type":"number","default":6.5,"maximum":30,"minimum":0},"price":{"type":"number","default":400000,"minimum":1},"years":{"type":"number","default":30,"maximum":50,"minimum":1},"market":{"enum":["US","OTHER"],"type":"string","default":"US"},"downPct":{"type":"number","default":20,"maximum":100,"minimum":0},"insurance":{"type":"number","default":1500,"minimum":0},"propertyTax":{"type":"number","default":4000,"minimum":0}},"additionalProperties":false},"title":"Mortgage Calculator","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"mortgage","displayName":"Mortgage Calculator"},{"name":"car_loan","description":"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 oversta","inputSchema":{"type":"object","required":[],"properties":{"down":{"type":"number","default":5000,"minimum":0},"rate":{"type":"number","default":7,"maximum":40,"minimum":0},"price":{"type":"number","default":35000,"minimum":0},"market":{"enum":["US","CA","JP","CN","GB","DE","FR","ES","IT","NL","AU","NZ","SG","IN","INCLUSIVE","EXCLUSIVE"],"type":"string","default":"US"},"months":{"type":"number","default":60,"maximum":96,"minimum":6},"tradeIn":{"type":"number","default":0,"minimum":0},"salesTax":{"type":"number","default":7,"maximum":30,"minimum":0},"vehicleType":{"enum":["ice","nev"],"type":"string","default":"ice"}},"additionalProperties":false},"title":"Car Loan Calculator","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"car_loan","displayName":"Car Loan Calculator"},{"name":"emi","description":"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.","inputSchema":{"type":"object","required":[],"properties":{"rate":{"type":"number","default":9,"maximum":40,"minimum":0},"months":{"type":"number","default":120,"maximum":480,"minimum":1},"principal":{"type":"number","default":1000000,"minimum":1}},"additionalProperties":false},"title":"EMI Calculator","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"emi","displayName":"EMI Calculator"},{"name":"sip","description":"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.","inputSchema":{"type":"object","required":[],"properties":{"rate":{"type":"number","default":12,"maximum":40,"minimum":-20},"years":{"type":"number","default":15,"maximum":50,"minimum":1},"stepUp":{"type":"number","default":0,"maximum":50,"minimum":0},"monthly":{"type":"number","default":10000,"minimum":1}},"additionalProperties":false},"title":"SIP Calculator","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"sip","displayName":"SIP Calculator"},{"name":"credit_card_payoff","description":"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.","inputSchema":{"type":"object","required":[],"properties":{"apr":{"type":"number","default":24,"maximum":60,"minimum":0},"balance":{"type":"number","default":6000,"minimum":1},"payment":{"type":"number","default":200,"minimum":1}},"additionalProperties":false},"title":"Credit Card Payoff Calculator","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"credit_card_payoff","displayName":"Credit Card Payoff Calculator"},{"name":"home_affordability","description":"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 ap","inputSchema":{"type":"object","required":[],"properties":{"down":{"type":"number","default":60000,"minimum":0},"rate":{"type":"number","default":6.5,"maximum":30,"minimum":0},"years":{"type":"number","default":30,"maximum":50,"minimum":5},"income":{"type":"number","default":110000,"minimum":1},"method":{"enum":["US","LTI","DTI50"],"type":"string","default":"US"},"monthlyDebts":{"type":"number","default":500,"minimum":0}},"additionalProperties":false},"title":"Home Affordability Calculator","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"home_affordability","displayName":"Home Affordability Calculator"},{"name":"currency","description":"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.","inputSchema":{"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"},"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"},"amount":{"type":"number","default":1000,"minimum":0}},"additionalProperties":false},"title":"Currency Converter","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"currency","displayName":"Currency Converter"},{"name":"unit_economics","description":"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).","inputSchema":{"type":"object","required":[],"properties":{"cac":{"type":"number","default":400,"minimum":0.01},"arpu":{"type":"number","default":50,"minimum":0.01},"churn":{"type":"number","default":3,"maximum":100,"minimum":0.01},"grossMargin":{"type":"number","default":80,"maximum":100,"minimum":1}},"additionalProperties":false},"title":"Unit Economics","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"unit_economics","displayName":"Unit Economics"},{"name":"break_even","description":"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.","inputSchema":{"type":"object","required":[],"properties":{"price":{"type":"number","default":45,"minimum":0.01},"fixedCosts":{"type":"number","default":20000,"minimum":0},"currentUnits":{"type":"number","default":0,"minimum":0},"variableCost":{"type":"number","default":18,"minimum":0}},"additionalProperties":false},"title":"Break-Even","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"break_even","displayName":"Break-Even"},{"name":"runway","description":"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.","inputSchema":{"type":"object","required":[],"properties":{"burn":{"type":"number","default":40000,"minimum":0.01},"cash":{"type":"number","default":500000,"minimum":0},"burnChange":{"type":"number","default":0,"maximum":100,"minimum":-50}},"additionalProperties":false},"title":"Runway & Burn","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"runway","displayName":"Runway & Burn"},{"name":"npv_irr","description":"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.","inputSchema":{"type":"object","required":[],"properties":{"rate":{"type":"number","default":10,"maximum":100,"minimum":0},"cashflows":{"type":"array","items":{"type":"number"},"default":[-100000,30000,40000,50000,40000]}},"additionalProperties":false},"title":"NPV & IRR","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"npv_irr","displayName":"NPV & IRR"},{"name":"pricing_margin","description":"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.","inputSchema":{"type":"object","required":[],"properties":{"cost":{"type":"number","default":30,"minimum":0.01},"price":{"type":"number","default":50,"minimum":0.01},"discount":{"type":"number","default":0,"maximum":90,"minimum":0}},"additionalProperties":false},"title":"Pricing & Margin","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"pricing_margin","displayName":"Pricing & Margin"},{"name":"market_size","description":"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.","inputSchema":{"type":"object","required":[],"properties":{"arpa":{"type":"number","default":1200,"minimum":0.01},"samPct":{"type":"number","default":40,"maximum":100,"minimum":0.1},"somPct":{"type":"number","default":5,"maximum":100,"minimum":0.01},"accounts":{"type":"number","default":200000,"minimum":1}},"additionalProperties":false},"title":"Market Size (TAM · SAM · SOM)","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"market_size","displayName":"Market Size (TAM · SAM · SOM)"},{"name":"cagr","description":"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.","inputSchema":{"type":"object","required":[],"properties":{"years":{"type":"number","default":5,"maximum":100,"minimum":0.1},"endValue":{"type":"number","default":180000,"minimum":0},"startValue":{"type":"number","default":100000,"minimum":0.01}},"additionalProperties":false},"title":"CAGR Calculator","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"cagr","displayName":"CAGR Calculator"},{"name":"roi","description":"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.","inputSchema":{"type":"object","required":[],"properties":{"cost":{"type":"number","default":50000,"minimum":0.01},"years":{"type":"number","default":3,"maximum":100,"minimum":0},"finalValue":{"type":"number","default":72000,"minimum":0}},"additionalProperties":false},"title":"ROI Calculator","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"roi","displayName":"ROI Calculator"},{"name":"vat","description":"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%.","inputSchema":{"type":"object","required":[],"properties":{"mode":{"enum":["add","remove"],"type":"string","default":"add"},"rate":{"type":"number","default":20,"maximum":50,"minimum":0},"amount":{"type":"number","default":1000,"minimum":0}},"additionalProperties":false},"title":"VAT Calculator","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"vat","displayName":"VAT Calculator"},{"name":"gst","description":"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.","inputSchema":{"type":"object","required":[],"properties":{"mode":{"enum":["add","remove"],"type":"string","default":"add"},"rate":{"enum":["5","12","18","28","10","15","9","13"],"type":"string","default":"18"},"amount":{"type":"number","default":25000,"minimum":0}},"additionalProperties":false},"title":"GST Calculator","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"gst","displayName":"GST Calculator"},{"name":"freelance_rate","description":"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.","inputSchema":{"type":"object","required":[],"properties":{"overhead":{"type":"number","default":8000,"minimum":0},"weeksOff":{"type":"number","default":6,"maximum":30,"minimum":0},"taxBuffer":{"type":"number","default":30,"maximum":60,"minimum":0},"targetIncome":{"type":"number","default":80000,"minimum":1},"billableHours":{"type":"number","default":25,"maximum":60,"minimum":1}},"additionalProperties":false},"title":"Freelance Rate Calculator","annotations":{"readOnlyHint":true,"untrustedContentHint":true},"logicalName":"freelance_rate","displayName":"Freelance Rate Calculator"}],"toolSource":"directory_preview","agentAction":"both","installLinks":[{"id":"cursor","label":"Cursor","href":"cursor://anysphere.cursor-deeplink/mcp/install?name=Xearno-Tools-the-tool-bench-for-money-business-decisions&config=eyJ1cmwiOiAiaHR0cHM6Ly94ZWFybm8udG9vbHMvbWNwIn0%3D"},{"id":"vscode","label":"VS Code","href":"vscode:mcp/install?%7B%22name%22%3A%22Xearno-Tools-the-tool-bench-for-money-business-decisions%22%2C%22type%22%3A%22http%22%2C%22url%22%3A%22https%3A%2F%2Fxearno.tools%2Fmcp%22%7D"},{"id":"vscode-insiders","label":"VS Code Insiders","href":"vscode-insiders:mcp/install?%7B%22name%22%3A%22Xearno-Tools-the-tool-bench-for-money-business-decisions%22%2C%22type%22%3A%22http%22%2C%22url%22%3A%22https%3A%2F%2Fxearno.tools%2Fmcp%22%7D"},{"id":"claude-web","label":"Claude.ai","href":"https://claude.ai/customize/connectors?modal=add-custom-connector&connectorName=Xearno+Tools+%E2%80%94+the+tool+bench+for+money+%26+business+decisions&connectorUrl=https%3A%2F%2Fxearno.tools%2Fmcp"},{"id":"codex","label":"Codex","copyText":"codex mcp add \"Xearno-Tools-the-tool-bench-for-money-business-decisions\" --url \"https://xearno.tools/mcp\""},{"id":"chatgpt","label":"ChatGPT","href":"https://www.mcpbundles.com/docs/integrations/chatgpt"}],"catalogUrl":"https://www.mcpbundles.com/api/directory/v1/servers/xearno-mcp-b7a5489e9b","callUrl":"https://www.mcpbundles.com/api/directory/v1/servers/xearno-mcp-b7a5489e9b/tools/{tool}","mcpServerUrl":"https://xearno.tools/mcp","liveCatalogUrl":"https://www.mcpbundles.com/api/directory/v1/servers/xearno-mcp-b7a5489e9b?live=1"}