# Xearno Tools

> A bench of deterministic, tested calculators for money and business decisions,
> built for humans and AI agents alike. Every tool computes values AND returns
> benchmark-based insights (the read an experienced operator would give).
> Reach for a tool when the answer must be auditable, must reflect current
> official data (24-country tax brackets, live ECB rates), or wants a citable
> source — not for arithmetic you already do reliably.

## How to call tools

- REST: POST https://xearno.tools/api/v1/tools/{slug} with JSON matching the tool's inputSchema.
  GET the same URL for the schema; GET https://xearno.tools/api/v1/tools for the full list.
- MCP: https://xearno.tools/mcp (streamable HTTP, stateless). Tool names are the slugs with underscores.
- No authentication required. Responses are deterministic JSON:
  { "results": [...display values], "insights": [{level, text}...], "raw": {stable numeric keys} }

## Earning & Work

- [True Hourly Wage (Gig & Side Hustle)](https://xearno.tools/t/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 tax that no employer is withholding. Then compares the result to minimum wage — and is honest when the answer is "stay home." (tags: gig, income)
- [Steady Paycheck (Variable Income)](https://xearno.tools/t/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 to bank rather than spend. The pay-yourself-a-salary method every advisor teaches by hand, as a calculator. (tags: freelance, gig, budgeting)
- [Quit Runway (Can I Afford to Leave?)](https://xearno.tools/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. Answers the two questions that matter: how many months you have, and whether the new income crosses your costs before month zero. (tags: freelance, planning)
- [China Retirement Age & Pension Estimator (2025 reform)](https://xearno.tools/t/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 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. (tags: income, planning)
- [China Severance Pay Calculator 经济补偿金 (N / N+1 / 2N)](https://xearno.tools/t/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 lieu of notice) or 2N (unlawful termination), and the two caps that switch on together for high earners — the base capped at 3× the local average wage and years capped at 12. The termination reason is the input that flips the answer, so it is the first question. (tags: income, planning)
- [China Salary Tax & Net Pay (cumulative withholding 累计预扣)](https://xearno.tools/t/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 year-to-date income, the same gross salary is withheld more each month as cumulative income climbs the brackets — so your take-home falls through the year. Simple monthly-bracket calculators (and general AI) get every month after the first bracket crossing wrong. (tags: tax, income)
- [China Social Insurance & Housing Fund 五险一金 (employee + employer cost)](https://xearno.tools/t/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. Computes China social insurance + housing fund (五险一金) for both the employee deduction and the total cost to the employer, applying the city contribution-base floor and ceiling that general calculators skip. Contributions are charged on the contribution base — your prior-year average wage clamped between a city floor (~60% of local average) and ceiling (300%) — not on this month’s gross. Rates and bases differ by city and reset each July, so they are yours to set; the defaults are illustrative 2025 Beijing figures. (tags: income, tax)
- [Freelance Rate Calculator](https://xearno.tools/t/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 employed one. (tags: freelance, pricing)
- [United States Income Tax Calculator (2026)](https://xearno.tools/t/income-tax-usa): 2026 United States income tax: tax owed, effective rate, marginal rate, and take-home pay. Computes United States personal income tax for 2026 using the official progressive brackets, and explains the number the way it actually works: your marginal rate versus your effective rate, how far you are from the next bracket, and exactly what this model excludes. (tags: tax, income)
- [United Kingdom Income Tax Calculator (2025/26)](https://xearno.tools/t/income-tax-uk): 2025/26 United Kingdom income tax: tax owed, effective rate, marginal rate, and take-home pay. Computes United Kingdom personal income tax for 2025/26 using the official progressive brackets, and explains the number the way it actually works: your marginal rate versus your effective rate, how far you are from the next bracket, and exactly what this model excludes. (tags: tax, income)
- [China Income Tax Calculator (2026)](https://xearno.tools/t/income-tax-china): 2026 China income tax: tax owed, effective rate, marginal rate, and take-home pay. Computes China personal income tax for 2026 using the official progressive brackets, and explains the number the way it actually works: your marginal rate versus your effective rate, how far you are from the next bracket, and exactly what this model excludes. (tags: tax, income)
- [Japan Income Tax Calculator (2024)](https://xearno.tools/t/income-tax-japan): 2024 Japan income tax: tax owed, effective rate, marginal rate, and take-home pay. Computes Japan personal income tax for 2024 using the official progressive brackets, and explains the number the way it actually works: your marginal rate versus your effective rate, how far you are from the next bracket, and exactly what this model excludes. (tags: tax, income)
- [Germany Income Tax Calculator (2025)](https://xearno.tools/t/income-tax-germany): 2025 Germany income tax: tax owed, effective rate, marginal rate, and take-home pay. Computes Germany personal income tax for 2025 using the official progressive brackets, and explains the number the way it actually works: your marginal rate versus your effective rate, how far you are from the next bracket, and exactly what this model excludes. (tags: tax, income)
- [France Income Tax Calculator (2025)](https://xearno.tools/t/income-tax-france): 2025 France income tax: tax owed, effective rate, marginal rate, and take-home pay. Computes France personal income tax for 2025 using the official progressive brackets, and explains the number the way it actually works: your marginal rate versus your effective rate, how far you are from the next bracket, and exactly what this model excludes. (tags: tax, income)
- [Canada Income Tax Calculator (2026)](https://xearno.tools/t/income-tax-canada): 2026 Canada income tax: tax owed, effective rate, marginal rate, and take-home pay. Computes Canada personal income tax for 2026 using the official progressive brackets, and explains the number the way it actually works: your marginal rate versus your effective rate, how far you are from the next bracket, and exactly what this model excludes. (tags: tax, income)
- [Australia Income Tax Calculator (2025-26)](https://xearno.tools/t/income-tax-australia): 2025-26 Australia income tax: tax owed, effective rate, marginal rate, and take-home pay. Computes Australia personal income tax for 2025-26 using the official progressive brackets, and explains the number the way it actually works: your marginal rate versus your effective rate, how far you are from the next bracket, and exactly what this model excludes. (tags: tax, income)
- [India Income Tax Calculator (FY 2025-26)](https://xearno.tools/t/income-tax-india): FY 2025-26 India income tax: tax owed, effective rate, marginal rate, and take-home pay. Computes India personal income tax for FY 2025-26 using the official progressive brackets, and explains the number the way it actually works: your marginal rate versus your effective rate, how far you are from the next bracket, and exactly what this model excludes. (tags: tax, income)
- [Singapore Income Tax Calculator (2024)](https://xearno.tools/t/income-tax-singapore): 2024 Singapore income tax: tax owed, effective rate, marginal rate, and take-home pay. Computes Singapore personal income tax for 2024 using the official progressive brackets, and explains the number the way it actually works: your marginal rate versus your effective rate, how far you are from the next bracket, and exactly what this model excludes. (tags: tax, income)
- [Hong Kong Income Tax Calculator (2024/25)](https://xearno.tools/t/income-tax-hong-kong): 2024/25 Hong Kong income tax: tax owed, effective rate, marginal rate, and take-home pay. Computes Hong Kong personal income tax for 2024/25 using the official progressive brackets, and explains the number the way it actually works: your marginal rate versus your effective rate, how far you are from the next bracket, and exactly what this model excludes. (tags: tax, income)
- [Taiwan Income Tax Calculator (2025)](https://xearno.tools/t/income-tax-taiwan): 2025 Taiwan income tax: tax owed, effective rate, marginal rate, and take-home pay. Computes Taiwan personal income tax for 2025 using the official progressive brackets, and explains the number the way it actually works: your marginal rate versus your effective rate, how far you are from the next bracket, and exactly what this model excludes. (tags: tax, income)
- [South Korea Income Tax Calculator (2024)](https://xearno.tools/t/income-tax-south-korea): 2024 South Korea income tax: tax owed, effective rate, marginal rate, and take-home pay. Computes South Korea personal income tax for 2024 using the official progressive brackets, and explains the number the way it actually works: your marginal rate versus your effective rate, how far you are from the next bracket, and exactly what this model excludes. (tags: tax, income)
- [Vietnam Income Tax Calculator (2024)](https://xearno.tools/t/income-tax-vietnam): 2024 Vietnam income tax: tax owed, effective rate, marginal rate, and take-home pay. Computes Vietnam personal income tax for 2024 using the official progressive brackets, and explains the number the way it actually works: your marginal rate versus your effective rate, how far you are from the next bracket, and exactly what this model excludes. (tags: tax, income)
- [Thailand Income Tax Calculator (2024)](https://xearno.tools/t/income-tax-thailand): 2024 Thailand income tax: tax owed, effective rate, marginal rate, and take-home pay. Computes Thailand personal income tax for 2024 using the official progressive brackets, and explains the number the way it actually works: your marginal rate versus your effective rate, how far you are from the next bracket, and exactly what this model excludes. (tags: tax, income)
- [Indonesia Income Tax Calculator (2024)](https://xearno.tools/t/income-tax-indonesia): 2024 Indonesia income tax: tax owed, effective rate, marginal rate, and take-home pay. Computes Indonesia personal income tax for 2024 using the official progressive brackets, and explains the number the way it actually works: your marginal rate versus your effective rate, how far you are from the next bracket, and exactly what this model excludes. (tags: tax, income)
- [Malaysia Income Tax Calculator (2024)](https://xearno.tools/t/income-tax-malaysia): 2024 Malaysia income tax: tax owed, effective rate, marginal rate, and take-home pay. Computes Malaysia personal income tax for 2024 using the official progressive brackets, and explains the number the way it actually works: your marginal rate versus your effective rate, how far you are from the next bracket, and exactly what this model excludes. (tags: tax, income)
- [Spain Income Tax Calculator (2025)](https://xearno.tools/t/income-tax-spain): 2025 Spain income tax: tax owed, effective rate, marginal rate, and take-home pay. Computes Spain personal income tax for 2025 using the official progressive brackets, and explains the number the way it actually works: your marginal rate versus your effective rate, how far you are from the next bracket, and exactly what this model excludes. (tags: tax, income)
- [Italy Income Tax Calculator (2025)](https://xearno.tools/t/income-tax-italy): 2025 Italy income tax: tax owed, effective rate, marginal rate, and take-home pay. Computes Italy personal income tax for 2025 using the official progressive brackets, and explains the number the way it actually works: your marginal rate versus your effective rate, how far you are from the next bracket, and exactly what this model excludes. (tags: tax, income)
- [Netherlands Income Tax Calculator (2026)](https://xearno.tools/t/income-tax-netherlands): 2026 Netherlands income tax: tax owed, effective rate, marginal rate, and take-home pay. Computes Netherlands personal income tax for 2026 using the official progressive brackets, and explains the number the way it actually works: your marginal rate versus your effective rate, how far you are from the next bracket, and exactly what this model excludes. (tags: tax, income)
- [Portugal Income Tax Calculator (2026)](https://xearno.tools/t/income-tax-portugal): 2026 Portugal income tax: tax owed, effective rate, marginal rate, and take-home pay. Computes Portugal personal income tax for 2026 using the official progressive brackets, and explains the number the way it actually works: your marginal rate versus your effective rate, how far you are from the next bracket, and exactly what this model excludes. (tags: tax, income)
- [Brazil Income Tax Calculator (2024)](https://xearno.tools/t/income-tax-brazil): 2024 Brazil income tax: tax owed, effective rate, marginal rate, and take-home pay. Computes Brazil personal income tax for 2024 using the official progressive brackets, and explains the number the way it actually works: your marginal rate versus your effective rate, how far you are from the next bracket, and exactly what this model excludes. (tags: tax, income)
- [Mexico Income Tax Calculator (2025)](https://xearno.tools/t/income-tax-mexico): 2025 Mexico income tax: tax owed, effective rate, marginal rate, and take-home pay. Computes Mexico personal income tax for 2025 using the official progressive brackets, and explains the number the way it actually works: your marginal rate versus your effective rate, how far you are from the next bracket, and exactly what this model excludes. (tags: tax, income)
- [Argentina Income Tax Calculator (2025)](https://xearno.tools/t/income-tax-argentina): 2025 Argentina income tax: tax owed, effective rate, marginal rate, and take-home pay. Computes Argentina personal income tax for 2025 using the official progressive brackets, and explains the number the way it actually works: your marginal rate versus your effective rate, how far you are from the next bracket, and exactly what this model excludes. (tags: tax, income)

## Loans & Debt

- [Loan Payment](https://xearno.tools/t/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. (tags: loans, debt)
- [Mortgage Calculator](https://xearno.tools/t/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 is the full PITI cost of owning. (tags: loans, home)
- [Car Loan Calculator](https://xearno.tools/t/car-loan): Monthly car payment with down payment, trade-in, and sales tax — and the long-loan trap. Auto loan payment from vehicle price, down payment, trade-in, sales tax, rate, and term — with the negative-equity warning the dealership finance office will not give you. (tags: loans, debt)
- [EMI Calculator](https://xearno.tools/t/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. (tags: loans)
- [Credit Card Payoff Calculator](https://xearno.tools/t/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 and everyone ignores. (tags: debt, budgeting)
- [Home Affordability Calculator](https://xearno.tools/t/home-affordability): How much house you can afford by the 28/36 rule — the underwriting math, honestly applied. Maximum affordable home price from income, existing debts, down payment, and rate — using the 28/36 debt-to-income rule lenders actually underwrite with, and flagging when the two limits disagree. (tags: home, planning)

## Saving & Investing

- [Compound Growth](https://xearno.tools/t/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. (tags: investing, interest)
- [Savings Goal](https://xearno.tools/t/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. (tags: budgeting, planning)
- [FIRE Number](https://xearno.tools/t/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. (tags: investing, planning)
- [APR ↔ APY Converter](https://xearno.tools/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. (tags: interest, loans)
- [SIP Calculator](https://xearno.tools/t/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. (tags: investing, planning)
- [CAGR Calculator](https://xearno.tools/t/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. (tags: investing)

## Everyday Money

- [Split Bill](https://xearno.tools/t/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. (tags: shopping)
- [Unit Price](https://xearno.tools/t/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. (tags: shopping)
- [Price in Work Hours](https://xearno.tools/t/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 bill, the share of your working year, and what the same money becomes if invested instead. Time is the one budget everyone understands. (tags: shopping, income)
- [Currency Converter](https://xearno.tools/t/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 bank or card will add on top of it. (tags: shopping)

## Running a Business

- [Unit Economics](https://xearno.tools/t/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). (tags: pricing, planning)
- [Break-Even](https://xearno.tools/t/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. (tags: pricing, planning)
- [Runway & Burn](https://xearno.tools/t/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. (tags: budgeting, planning)
- [NPV & IRR](https://xearno.tools/t/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. (tags: investing, planning)
- [Pricing & Margin](https://xearno.tools/t/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. (tags: pricing)
- [Market Size (TAM · SAM · SOM)](https://xearno.tools/t/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. (tags: planning)
- [ROI Calculator](https://xearno.tools/t/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. (tags: investing)
- [VAT Calculator](https://xearno.tools/t/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%. (tags: tax, pricing)
- [GST Calculator](https://xearno.tools/t/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 picker. (tags: tax, pricing)

## About

- Xearno Tools is part of Xearno (https://xearno.com), the fortune-themed personal finance app.
- Formulas and benchmark sources are documented on each tool page under Methodology.
- Tool schemas are stable and versioned; breaking changes get new versions.