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Earning & Work

• income_tax — 24 countries in one tool (country parameter); per-country REST endpoints also exist
• true_hourly_wage — What a gig actually pays per hour — after vehicle costs, waiting time, and self-employment tax.
• steady_paycheck — Turn an up-and-down income into a safe monthly salary and a right-sized buffer.
• quit_runway — How long your savings last after leaving a job — and whether new income overtakes costs before they run out.
• china_retirement_pension — Your exact retirement date under China’s 2025 delayed-retirement reform, plus an estimated monthly pension.
• china_severance — Statutory severance under China’s Labour Contract Law — the N / N+1 / 2N branch and the 3×-average-wage cap, done right.
• china_income_tax_salary — Your real China take-home month by month — under the cumulative method, where the same salary is taxed more each month as the year goes on.
• china_social_insurance — What actually comes out of a China salary — and what the employer pays on top — with the contribution-base floor/ceiling applied correctly.
• salary_to_hourly — Convert between hourly, weekly, monthly, and annual pay at your real hours.
• overtime_pay — Time-and-a-half math: weekly gross with overtime, and your blended hourly rate.
• pay_raise — What a raise is worth — and whether it beats inflation at all.
• freelance_rate — The hourly rate that actually pays your target income — after unbillable time, overhead, and tax.

Loans & Debt

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

Saving & Investing

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

Everyday Money

• split_bill — Even split with tip, rounded so nobody argues.
• unit_price — Which package is actually cheaper per unit.
• percentage — What is X% of Y, X is what percent of Y, and percent change — all three, correctly.
• discount — Sale price after one or two stacked discounts — and why 20% + 10% is not 30% off.
• tip — Tip, total, and per-person share — with actual tipping norms by region.
• price_in_hours — What a price really costs you: hours of your own work, at your take-home pay.
• currency — Convert between 31 currencies at the official ECB reference rate — and know what your bank adds on top.

Running a Business

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