Xearno Tools — the tool bench for money & business decisions
Xearno Tools
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.
This listing identifies a third-party MCP server. MCPBundles is not affiliated with, sponsored by, or endorsed by the service or its operator unless stated on this page.
For AI agents — MCPBundles Directory API
Recommended: Directory API v1 over HTTP for detail and anonymous invoke when eligible (not MCP JSON-RPC on the publisher URL; no user MCPBundles credentials on v1).
GET https://www.mcpbundles.com/api/directory/v1/servers/xearno-mcp-b7a5489e9b
GET https://www.mcpbundles.com/api/directory/v1/servers/xearno-mcp-b7a5489e9b?live=1 (optional live refresh)
GET https://www.mcpbundles.com/api/directory/v1/servers/xearno-mcp-b7a5489e9b/tools/<tool> (one tool: schema + invoke.url)
POST https://www.mcpbundles.com/api/directory/v1/servers/xearno-mcp-b7a5489e9b/tools/{tool}
POST body: flat JSON of tool argument names and values; not an arguments wrapper. Replace {tool} with a tool name from GET detail.
Restricted agent shell (ChatGPT Codex desktop, some IDE sandboxes):
Default command sandboxes often block outbound network. curl exit 6 or "Could not resolve host" for www.mcpbundles.com is usually sandbox DNS — not evidence this site is down.
Retry the same Directory API GET with sandbox_permissions "require_escalated" and a one-sentence justification on the shell tool (Codex on-request approval). Do not tell the user the site is unreachable from sandbox curl alone.
Example justification: Run the public MCPBundles Directory API search outside the command sandbox to complete the user's MCP server lookup.
If the agent has browser access (e.g. Codex @Browser): open https://www.mcpbundles.com/?q=<query> or stay on this page — no shell network needed. Use WebMCP search_mcp_servers then get_mcp_server (document.modelContext / page tools; refresh with fetchTools or getTools if a tool id is missing from the snapshot). Read-only directory search; same index as Directory API v1 GETs. Neither WebMCP nor Directory API v1 uses user MCPBundles credentials.
Without a browser: after escalated curl fails, use GET https://www.mcpbundles.com/?q=<query> with Accept: text/markdown for ranked results.
Hub MCP (connected session): discover_mcp_servers — same filter semantics as search_mcp_servers.
Contract: https://www.mcpbundles.com/agents.md
OpenAPI: https://www.mcpbundles.com/api/directory/v1/openapi.json
Guide: https://www.mcpbundles.com/guides/mcpbundles-directory-api
For MCP client apps (human connect):
MCP connect URL: https://xearno.tools/mcp
Skill page: https://www.mcpbundles.com/skills/xearno-mcp-b7a5489e9b
Explore capabilities (72)
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Showing 25 of 72
Showing 25 of 72 tools from the public preview. Connect the server to inspect the full live tool list.
Uk5
Us5
Income Tax4
China2
Other capabilities9
Income Tax Calculator (24 countries)
read
income_tax
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.
Income Tax Calculator (24 countries) — 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.
ACA Subsidy Cliff Checker (2026) — Where your 2026 marketplace subsidy sits against the restored 400%-of-poverty cliff — and the clawback risk if income crosses it. 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,
Student Loan: RAP vs IBR (2026 forced choice) — Your monthly payment and forgiveness timeline under RAP vs IBR — the choice SAVE borrowers are being forced to make. 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 disbu
UK Redundancy Pay Calculator — statutory entitlement 2026 — 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
UK Notice Pay Calculator — 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
Get your MCP into directories
A working endpoint is step one. Directory coverage is the coordinated launch across ChatGPT, Claude, Cursor, the MCP Registry, and community indexes.
What is the Xearno Tools — the tool bench for money & business decisions MCP server?
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.
How do I connect Xearno Tools — the tool bench for money & business decisions to my AI agent?
Use the MCP endpoint listed on this page in your MCP client configuration. One-click install pills support Claude, Cursor, VS Code, and other hosts. Copy the remote MCP URL if your client needs a manual entry.
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Netherlands 30% Ruling Calculator — 2027 changes — 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
Portugal IFICI ("NHR 2.0") Eligibility Checker — Whether you qualify for Portugal’s IFICI — the activity-gated successor to the NHR regime that closed in 2024. 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
Thailand Social Security Contribution (2026 ceiling unfreeze) — Your monthly SSO contribution under the 2026 ceiling rise — the ฿15,000 cap stood for 30 years, so the old ฿750 answer is everywhere and wrong. 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
UK Statutory Residence Test Decider — 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 —
US Substantial Presence Test — the real 183-day rule — Whether your US days make you a tax resident — the weighted 3-year formula where 122 days a year is enough, and student-visa days may not count at all. 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 de
New York Statutory Residence Checker (183-Day + Abode Test) — Whether New York can tax you as a resident under the two-prong statutory test — the abode gate people miss, plus the 183-day count where any part of a day counts. 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
UK Stamp Duty Calculator (SDLT) — England & Northern Ireland — 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
Singapore Property Stamp Duty (BSD + ABSD + SSD) — Buyer’s, Additional Buyer’s, and Seller’s Stamp Duty at the current IRAS rates — including the 60% foreigner ABSD and the 2025 four-year SSD. 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 sche
Is This Raise Actually a Raise? (2026 benefits cliff) — What a raise really adds after EITC, CTC, SNAP, Medicaid, and ACA subsidies move against it — the effective marginal rate no single program shows. 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
Hong Kong (HK) Salaries Tax Calculator 2026/27 — 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
Hong Kong Profits Tax Calculator — 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
Singapore Income Tax Calculator (YA 2026) — 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
Netherlands Income Tax Calculator (2026) — 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.
China Severance Pay Calculator 经济补偿金 (N / N+1 / 2N) — Statutory severance under China’s Labour Contract Law — the N / N+1 / 2N branch and the 3×-average-wage cap, done right. 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
China Retirement Age & Pension Estimator (2025 reform) — 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.
Australia HECS-HELP Repayment & Indexation (2025-26 reform) — Your compulsory HELP repayment under the new marginal system, what indexation adds each 1 June, and how the 20% cut and old rules compare. 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
UK Capital Gains Tax Calculator (2025-26 & 2026-27) — Capital Gains Tax on shares, crypto, property, or a business sale — current £3,000 allowance, the 18%/24% rate split driven by your income, and the BADR 14% → 18% ramp. 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
India Gratuity Calculator (Labour Codes, from 21 Nov 2025) — Statutory gratuity under the new Labour Codes — the 50% wage floor and the 1-year fixed-term gate that the old answer misses. 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
Creator Platform Payout Calculator — What you actually net on YouTube, Twitch, Patreon, Substack, or OnlyFans — after the platform cut AND the processing layer nobody advertises. 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 th
Freelance vs Employee: the True-Equivalence Rate — The 1099 rate that truly replaces a W-2 salary — solved from taxes, benefits, and billable reality, not a folk multiplier. 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
Showing the first 25 tools — full list and schemas: Directory API.
How many tools does Xearno Tools — the tool bench for money & business decisions provide?
MCPBundles probed 72 tools on the live server. The tool list on this page reflects what was discovered at the last refresh — connect your client to see the full set available to your session.
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No provider sign-in was required during MCPBundles' probe. Your client may still need MCPBundles credentials depending on how you connect.
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