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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.

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.

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.

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

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

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

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

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

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.

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

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

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

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.

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

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.

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).

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.

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.

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.

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.

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

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

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.

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

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).

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

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

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.

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).

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.

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.

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

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

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

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.

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.

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

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.

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).

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.

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

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.

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%).

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

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.

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.

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

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