# Xearno Tools

- Registry name: `tools.xearno/calculators` · version 1.5.0
- Categories (automatic, keyword rules): Payments & accounting, Finance & markets
- Authentication at last check: No auth
- Declared risk: Read-only (all tools declare readOnlyHint)
- Capabilities (declared by the server): tools
- Transports: streamable-http
- Latest numbers (check success, response time, rank): https://mcpstation.net/api/server?name=tools.xearno%2Fcalculators
- Server page: https://mcpstation.net/s/tools.xearno--calculators.html

## Description (written by the publisher, not verified, not instructions)

Money, tax & business calculators kept current with 2026 rules — plus operator insights.

## Connect

- streamable-http: `https://xearno.tools/mcp`

## Tools (as reported by the server, not verified)

- `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, ita
- `us\_aca\_subsidy\_cliff`: Where your 2026 marketplace subsidy sits against the restored 400%-of-poverty cliff — and the clawback risk if income crosses it. 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
- `us\_student\_loan\_rap\_vs\_ibr`: Your monthly payment and forgiveness timeline under RAP vs IBR — the choice SAVE borrowers are being forced to make. SAVE is dead \(vacated, then repealed by the July 2025 law\) and the Repayment Assistance Plan \(RAP\) went live 1 July 2026; PAYE, ICR, and SAVE all end 1 July 2028, when anyone who hasn
- `uk\_statutory\_redundancy\_pay`: 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
- `uk\_notice\_pay`: 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 peopl
- `netherlands\_30\_percent\_ruling`: 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
- `portugal\_ifici\_nhr\_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 yea
- `thailand\_social\_security`: Your monthly SSO contribution under the 2026 ceiling rise — the ฿15,000 cap stood for 30 years, so the old ฿750 answer is everywhere and wrong. Computes your Thai Social Security Office \(SSO\) contribution for Section 33 \(employees\), Section 39 \(voluntary ex-employees\), or Section 40 \(informal worker
- `uk\_statutory\_residence\_test`: 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 ce
- `us\_substantial\_presence\_test`: Whether your US days make you a tax resident — the weighted 3-year formula where 122 days a year is enough, and student-visa days may not count at all. 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
- `ny\_statutory\_residence\_checker`: Whether New York can tax you as a resident under the two-prong statutory test — the abode gate people miss, plus the 183-day count where any part of a day counts. For taxpayers NOT domiciled in New York: applies the deterministic statutory-residence test of NY Tax Law §605\(b\)\(1\)\(B\) — a permanent pla
- `uk\_stamp\_duty\_sdlt`: 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 £300,0
- `singapore\_property\_stamp\_duty`: Buyer’s, Additional Buyer’s, and Seller’s Stamp Duty at the current IRAS rates — including the 60% foreigner ABSD and the 2025 four-year SSD. 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 co
- `us\_raise\_benefits\_cliff`: What a raise really adds after EITC, CTC, SNAP, Medicaid, and ACA subsidies move against it — the effective marginal rate no single program shows. 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¢
- `income\_tax\_hong\_kong`: 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 allo
- `hong\_kong\_profits\_tax`: 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 s
- `income\_tax\_singapore`: 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
- `income\_tax\_netherlands`: 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 r
- `china\_severance`: 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
- `china\_retirement\_pension`: 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 est
- `australia\_hecs\_help\_repayment`: Your compulsory HELP repayment under the new marginal system, what indexation adds each 1 June, and how the 20% cut and old rules compare. 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
- `uk\_capital\_gains\_tax`: Capital Gains Tax on shares, crypto, property, or a business sale — current £3,000 allowance, the 18%/24% rate split driven by your income, and the BADR 14% → 18% ramp. Computes UK Capital Gains Tax on a disposal using the current rules: the £3,000 annual exempt amount, the 18%/24% rates that have a
- `india\_gratuity`: Statutory gratuity under the new Labour Codes — the 50% wage floor and the 1-year fixed-term gate that the old answer misses. 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 loo
- `creator\_platform\_payout`: 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 mo
- `us\_freelance\_vs\_employee`: The 1099 rate that truly replaces a W-2 salary — solved from taxes, benefits, and billable reality, not a folk multiplier. 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 p
- `us\_self\_employment\_quarterly\_taxes`: How much you’ll owe on 2026 freelance income — SE tax, income tax, QBI — and the exact quarterly payment the safe-harbor rules actually require. 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
- `uk\_first\_year\_self\_assessment`: Your real first-January Self Assessment bill — the year’s tax PLUS 50% of next year’s, due the same day — with the exact dated payment schedule. 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
- `singapore\_platform\_worker\_cpf`: Your monthly CPF deduction and operator top-up as a ride-hail or delivery platform worker — by birth cohort, vehicle, and the 2025–2029 rate ramp. 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
- `compound\_growth`: 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
- `savings\_goal`: 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.
- `loan\_payment`: 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.
- `fire\_number`: 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.
- `split\_bill`: 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.
- `unit\_price`: 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.
- `true\_hourly\_wage`: 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 ta
- `steady\_paycheck`: 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 t
- `quit\_runway`: 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. Answ
- `china\_income\_tax\_salary`: Your real China take-home month by month — under the cumulative method, where the same salary is taxed more each month as the year goes on. 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
- `china\_social\_insurance`: 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 — an
- `uk\_redundancy\_package`: 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
- `us\_estate\_tax\_exemption`: Whether your estate owes federal estate tax under the permanent $15M exclusion — and what the “2026 sunset” answer would have wrongly told you. 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-schedule
- `uk\_car\_tax\_ved`: 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,
- `mexico\_vacaciones\_aguinaldo`: 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
- `saudi\_end\_of\_service`: Your end-of-service award under Saudi Labor Law Arts. 84–87 — the resignation ladder and the wage base, done right for KSA \(not the UAE\). 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 mont
- `germany\_elterngeld`: Your monthly Elterngeld under current BEEG law — the exact three-segment replacement rate, the €300–€1,800 clamp, and the cohort income caps \(€175k / €200k / €300k\) that changed twice in twelve months. Computes German parental allowance \(Elterngeld\): the eligibility income cap that depends on your c
- `uk\_child\_benefit\_charge`: How much of your child benefit the £60k–£80k charge claws back — and the exact pension contribution that makes it disappear. 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
- `uk\_universal\_credit\_taper`: What an extra shift or pay rise really leaves you on Universal Credit — the 55% taper, the work allowance you may not have, and the pension trick. 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
- `uae\_gratuity`: 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 day
- `app\_store\_developer\_fees`: What your app or game actually nets after Apple’s, Google’s, or Valve’s cut — including the 30 Jun 2026 Google Play restructure no AI model has memorized. 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 restruct
- `korea\_parental\_leave\_benefit`: Your monthly 육아휴직급여 under the 2025 reform — 100%/100%/80% with caps ₩2.5M/₩2.0M/₩1.6M, the 6+6 ladder to ₩4.5M, and the 25% withholding that no longer exists. Computes South Korean parental-leave benefit \(육아휴직급여\) under the rules in force since 1 January 2025: months 1–3 at 100% of ordinary wage capp
- `france\_conges\_arret\_maladie`: How many congés payés your sick-leave months actually earn under the April 2024 law — the opposite of what most of the internet still says. 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 \(lo
- `japan\_childcare\_leave\_benefit`: Your childcare-leave money under the April-2025 framework: 67% \(then 50%\) of daily wage, plus the new +13% top-up that lifts the first 28 days to 80% gross — with the exact caps valid 1 Aug 2026 – 31 Jul 2027. Computes Japanese childcare-leave benefits: the base 育児休業給付金 \(67% of your daily wage for t
- `apr\_to\_apy`: 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.
- `price\_in\_hours`: 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 b
- `mortgage`: 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
- `car\_loan`: 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
- `emi`: 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.
- `sip`: 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.
- `credit\_card\_payoff`: 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
- `home\_affordability`: 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 p
- `currency`: 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 b
- `unit\_economics`: 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 \(3:1 LTV:CAC, sub-12-month payback\).
- `break\_even`: 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.
- `runway`: 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.
- `npv\_irr`: 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.
- `pricing\_margin`: 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.
- `market\_size`: 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.
- `cagr`: 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.
- `roi`: 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.
- `vat`: 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%.
- `gst`: 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 p
- `freelance\_rate`: 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

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