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US net-paycheck breakdown for any of 51 jurisdictions: 2026 federal brackets, FICA (SS wage base $184,500, additional Medicare), and state income tax. Golden-vector verified.

Self-employed mortgage affordability: 2-year income averaging with add-backs, the declining-income rule, front/back DTI limits, PMI-aware max-price solve.

LLC formation cost for any US state + DC: filing fee, annual/biennial report, franchise tax, publication requirements — Year-1 and 5-year totals from each state's own 2026 fee schedule.

Full debt-payoff report: avalanche vs snowball simulated month-by-month with debt rollover — payoff order, debt-free month, total interest, and the exact gap between strategies.

All 51 US jurisdictions ranked by true 5-year LLC cost — filing, reports, franchise taxes, publication requirements — with per-state notes.

The same salary across all 51 US jurisdictions, ranked by net take-home — the relocation what-if in one call, with per-state tax detail and the best-to-worst annual spread.

Match a crypto sale against buy lots (FIFO / LIFO / HIFO), returning realized gain/loss split short- vs long-term (IRS >365-day rule) plus the remaining lots.

Impermanent loss for a 50/50 constant-product LP position vs simply holding, given the price change of the volatile asset.

Convert between APR and APY at any compounding frequency (or continuous).

Liquidation price for a leveraged long or short (isolated margin), plus the % move to liquidation.

Rank up to 10 stablecoin/yield options by projected return over a horizon at each stated APY.

Self-employment (SE) tax on Schedule C net profit — Social Security to the 2026 $184,500 wage base, Medicare, Additional Medicare, and the deductible half.

Quarterly estimated-tax safe harbor (Form 1040-ES): the required annual payment and per-quarter amount to avoid an underpayment penalty.

Federal capital-gains tax: long-term stacked across the 2026 0%/15%/20% breakpoints, short-term at ordinary marginal rates, plus the 3.8% Net Investment Income Tax.

401(k) contribution vs the 2026 limits (incl. age 50+ and 60–63 catch-ups) plus the employer match, capped at the §415(c) total.

2026 IRA / Roth contribution limit for your situation — including the Roth MAGI phase-out and traditional-deduction phase-out (if covered by a workplace plan).

Margin, markup, and profit from cost — give cost plus any one of price, target margin %, or markup %, and it solves the rest.

Sale price after one or more stacked percentage discounts (applied sequentially, not summed) plus an optional flat amount off.

Tip amount, total, and per-person split for a restaurant bill.

Break-even units and revenue (CVP): where contribution margin covers fixed costs.

Order total from subtotal, discount, tax rate, and shipping — tax excludes shipping by default (toggle with taxShipping).

ROI %, ROAS, profit, and profit margin from revenue and cost (e.g. ad spend).

US sales tax — add or remove tax using the verified 2026 STATE base rate for any state + DC, plus an optional local rate. Flags gross-receipts states (HI/NM) and local-only states (AK).

VAT / GST for 16 major economies (UK, EU, Australia, Canada, Japan, Singapore, UAE, India, and more) at the verified 2026 standard rate — add or remove.

Payment-processor fee and net received for Stripe, PayPal, and Square at their verified 2026 standard US rates — or reverse gross-up (what to charge to net a target).

Seller fees and net payout for Amazon, eBay, and Etsy at their verified 2026 standard fee schedules (Amazon referral %, eBay final value fee, Etsy listing + transaction + processing).

Amortized monthly payment, total interest, and a year-by-year balance schedule for any loan.

Full monthly mortgage payment (PITI): principal & interest, property tax, insurance, PMI (auto when LTV > 80%), and HOA.

Auto-loan payment including state sales tax (verified 2026 rates), trade-in credit, down payment, and fees.

Refinance analysis: new payment, monthly savings, months to break even on closing costs, and lifetime interest saved.

Debt-to-income ratio — front-end and back-end — with pass/fail against your (or the conventional 28/36) limits.

How much time and interest an extra monthly payment saves on a loan.

Whether buying discount points pays off: monthly savings from the rate buydown and the break-even month.

True APR (Reg Z / TILA) from the note rate plus financed fees — the real cost of borrowing.

HELOC payments: interest-only during the draw period and the amortizing payment when repayment begins (the payment jump).

Compare 2–6 loan offers by true total cost (payments + fees) and rank them.

Rental property returns: cap rate (unleveraged), cash-on-cash (leveraged), gross rent multiplier, and the 1% rule.

Monthly PMI cost and the month it auto-cancels (at 78% of original value, per the Homeowners Protection Act).

Adjustable-rate mortgage payment shock: the payment before and after the first reset, and the increase.

Max home price a W-2 buyer can afford from income and debts, using front/back DTI limits and a PMI-aware price solve.

Rent vs buy over a horizon: year-by-year renting cost vs net cost of owning (crediting equity + appreciation, net of selling costs), with the break-even year.

Federal income tax on ordinary income for 2026: AGI from gross minus above-the-line adjustments, standard or itemized deduction, the 2026 brackets, and a flat nonrefundable credit amount. Distinct from /v1/paycheck (which nets FICA + state per pay period).

Standalone 2026 state income tax for any of 51 US jurisdictions — progressive/flat/no-tax schedules, MFJ doubling — applied to the income you provide.

Withholding and net take-home on a bonus/commission using the 2026 federal supplemental-wage rate (22% flat; 37% on cumulative supplemental wages over $1M), plus FICA and an optional state supplemental rate.

FLSA overtime pay: regular and overtime hours, the overtime rate, and gross pay for a week — federal 1.5× over 40 hours by default, any threshold/multiplier configurable.

Take-home comparison of the same pay as a W-2 employee vs a 1099 contractor — employee FICA vs self-employment tax (with the half-SE deduction) — and the higher contractor rate needed to match.

Required Minimum Distribution from a traditional IRA/401(k) using the IRS Uniform Lifetime Table — the amount you must withdraw at your age, given the prior year-end balance. RMDs begin at 73 (SECURE 2.0).

Federal tax cost of a Roth conversion in one year: the extra income tax from stacking the converted amount on top of your other taxable income, with the marginal rate before and after.

Social Security monthly benefit estimate from your AIME: the 2026 PIA bend-point formula plus the claim-age adjustment (62 pays 70%, FRA 67 pays 100%, 70 pays 124%).

2026 HSA or health-FSA contribution limit and income-tax savings — HSA self/family limits + age-55 catch-up + HDHP deductible/OOP bounds, or the FSA salary-reduction limit + carryover.

Net present value and internal rate of return for a cash-flow series (index 0 = today, usually a negative outlay), plus the profitability index and an accept/reject call.

Bond current yield and yield-to-maturity from face value, coupon, market price, and maturity — with the premium/discount/par classification.

S-corp reasonable-salary employment-tax saving: SE tax a sole proprietor pays on all profit vs FICA an S-corp pays on just the salary, with the distribution that escapes self-employment tax.

Total 2026 federal tax as a sole proprietor / LLC vs S-corp vs C-corp for the same profit — SE tax vs FICA vs 21% corporate tax with qualified-dividend double taxation — ranked to the lowest.

Full 2026 tax estimate in one call: federal income tax + self-employment tax + employee FICA + state income tax, from wages, self-employment income, and other income — with the component breakdown, effective and marginal rates, and after-tax income.

Retirement-readiness projection: your savings grown to retirement age, the nest egg the 4%-rule requires for your target income, the surplus or gap, and the extra monthly contribution to close it.

Self-employed mortgage qualification worksheet: 2-year-average (or declining-income) qualifying income with add-backs, front/back DTI limits, the max home price you qualify for, and the full monthly PITI (principal, interest, tax, insurance, PMI, HOA) at that price. The flagship engine, as an agent-callable signed report.

Quarterly estimated-tax package (Form 1040-ES): derives your current-year total tax (federal income + self-employment + FICA + state) from income, applies the safe harbor (lesser of 90% current or 100%/110% prior-year tax), and returns the four equal 2026 installments net of withholding with their due dates.

Multi-year capital-gains plan: realize a long-term gain all at once vs spread it evenly across N years, with the federal tax for each path (2026 0/15/20% long-term bands + the 3.8% NIIT) and the tax saved by spreading — the signed record an investor or agent uses to pick when to realize gains.