Xearno Tools

{'type': 'object', 'required': [], 'properties': {'appleSbp': {'enum': ['yes', 'no'], 'type': 'string', 'default': 'yes', 'description': 'Apple Small Business Program Apple only. Unlike Google’s automatic bracket, SBP is OPT-IN, and eligibility is tested on your PRIOR calendar year’s post-commission proceeds (≤ $1M). Crossing $1M proceeds mid-year flips future sales that year to 30% — a cliff, not a marginal bracket.'}, 'platform': {'enum': ['apple', 'googlePlay', 'steam'], 'type': 'string', 'default': 'apple', 'description': 'Platform The three stores’ fee structures are not variations on one formula — they are structurally different. This decides everything below.'}, 'revenueType': {'enum': ['oneTime', 'subscriptionY1', 'subscriptionY2'], 'type': 'string', 'default': 'oneTime', 'description': 'Revenue type Apple and Google Play only — ignored for Steam. Apple drops any subscription to 15% after the subscriber’s first paid year; Google prices subscriptions on a separate (flat) schedule from one-time purchases.'}, 'googleCohort': {'enum': ['newInstalls', 'existingInstalls'], 'type': 'string', 'default': 'newInstalls', 'description': 'Install cohort (US/UK/EEA) Google US/UK/EEA, non-subscription revenue only. New installs pay 10%+5% on the first $1M/yr then 25%+5%; existing installs pay a flat 20%+5%. Real revenue is usually a mix — run both to bracket your blend.'}, 'googleRegion': {'enum': ['row', 'usUkEea'], 'type': 'string', 'default': 'row', 'description': 'Google Play buyer region Google Play only. Google restructured US/UK/EEA fees effective 30 June 2026 — a service fee plus a separate 5% billing fee, keyed to when the user installed your app. Rest-of-world keeps the classic 15%-to-$1M / 30% schedule.'}, 'annualRevenue': {'type': 'number', 'default': 200000, 'minimum': 0, 'description': 'Gross revenue ($) Gross annual consumer spend, before the store’s cut. STEAM IS DIFFERENT: enter this app’s LIFETIME gross, not annual — Steam’s tiers are marginal on per-app lifetime revenue, so where you sit depends on everything the app has ever earned.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'mode': {'enum': ['apr-to-apy', 'apy-to-apr'], 'type': 'string', 'default': 'apr-to-apy', 'description': 'Convert'}, 'rate': {'type': 'number', 'default': 24, 'maximum': 200, 'minimum': 0, 'description': 'Rate (%)'}, 'periods': {'enum': ['365', '12', '4', '1'], 'type': 'string', 'default': '365', 'description': 'Compounding'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'balance': {'type': 'number', 'default': 27600, 'minimum': 0, 'description': 'HELP debt balance today ($) Your current HELP balance (myGov → ATO → loan accounts). Used for the indexation and payoff-horizon estimates. The default is the national average debt.'}, 'incomeYear': {'enum': ['2025-26', '2026-27'], 'type': 'string', 'default': '2026-27', 'description': 'Income year Thresholds are indexed to average weekly earnings each year, so the year changes the answer.'}, 'hadDebtJun2025': {'enum': ['yes', 'no'], 'type': 'string', 'default': 'yes', 'description': 'Did you have a HELP balance on 1 June 2025? Balances as at 1 June 2025 received a one-off 20% cut (passed July 2025), applied automatically before that year’s indexation.'}, 'repaymentIncome': {'type': 'number', 'default': 85000, 'minimum': 0, 'description': 'ATO repayment income ($) NOT your salary. ATO “repayment income” = taxable income (excluding assessable FHSS released amounts) + reportable fringe benefits + total net investment loss (including net rental losses) + reportable super contributions + exempt foreign employment income. Salary-sacrificed super and negative-gearing losses are added back — a $95k salary with $10k reportable super contributions is $105k repayment income.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'price': {'type': 'number', 'default': 45, 'minimum': 0.01, 'description': 'Price per unit'}, 'fixedCosts': {'type': 'number', 'default': 20000, 'minimum': 0, 'description': 'Fixed costs / month Rent, salaries, software — costs that don’t vary with volume.'}, 'currentUnits': {'type': 'number', 'default': 0, 'minimum': 0, 'description': 'Current monthly units Optional — adds margin-of-safety analysis.'}, 'variableCost': {'type': 'number', 'default': 18, 'minimum': 0, 'description': 'Variable cost per unit Materials, shipping, payment fees — costs incurred per unit sold.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'years': {'type': 'number', 'default': 5, 'maximum': 100, 'minimum': 0.1, 'description': 'Years'}, 'endValue': {'type': 'number', 'default': 180000, 'minimum': 0, 'description': 'Ending value'}, 'startValue': {'type': 'number', 'default': 100000, 'minimum': 0.01, 'description': 'Starting value'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'down': {'type': 'number', 'default': 5000, 'minimum': 0, 'description': 'Down payment'}, 'rate': {'type': 'number', 'default': 7, 'maximum': 40, 'minimum': 0, 'description': 'Interest rate (APR) (%)'}, 'price': {'type': 'number', 'default': 35000, 'minimum': 0, 'description': 'Vehicle price'}, 'market': {'enum': ['US', 'CA', 'JP', 'CN', 'GB', 'DE', 'FR', 'ES', 'IT', 'NL', 'AU', 'NZ', 'SG', 'IN', 'INCLUSIVE', 'EXCLUSIVE'], 'type': 'string', 'default': 'US', 'description': 'Where are you buying? This is the input that decides whether the answer is right. Where tax is added at purchase (US, Canada, Japan) it is charged on top of the advertised price. Almost everywhere else — the UK, the EU, Australia, Singapore, India — VAT/GST is already inside the price, so adding it again overstates the loan.'}, 'months': {'type': 'number', 'default': 60, 'maximum': 96, 'minimum': 6, 'description': 'Term (mo)'}, 'tradeIn': {'type': 'number', 'default': 0, 'minimum': 0, 'description': 'Trade-in / part-exchange value In most US states a trade-in reduces the amount you are taxed on. Where tax is already in the price it simply lowers what you borrow.'}, 'salesTax': {'type': 'number', 'default': 7, 'maximum': 30, 'minimum': 0, 'description': 'Sales tax / GST added at purchase (%) Only applies in tax-added markets. Ignored where the advertised price already includes VAT/GST.'}, 'vehicleType': {'enum': ['ice', 'nev'], 'type': 'string', 'default': 'ice', 'description': 'Petrol or new-energy vehicle? Only changes the answer in China, where new-energy vehicles pay half the purchase tax for 2026–2027, capped at a ¥15,000 reduction. The full exemption ended on 31 December 2025.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'monthlyGross': {'type': 'number', 'default': 30000, 'minimum': 0, 'description': 'Monthly gross salary Assumed constant across the year.'}, 'socialInsurance': {'type': 'number', 'default': 4500, 'minimum': 0, 'description': 'Monthly social insurance & fund (个人部分) Your own 五险一金 deduction per month (专项扣除) — this reduces taxable income. Use the 五险一金 calculator to get it.'}, 'specialDeductions': {'type': 'number', 'default': 3000, 'minimum': 0, 'description': 'Monthly special additional deductions (专项附加扣除) Total of children’s education (2,000/child), childcare under 3 (2,000/child), elderly care (up to 3,000), housing loan interest (1,000) or rent (800–1,500), continuing education (400). These cut tax, not cash.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'city': {'enum': ['beijing', 'shanghai', 'tianjin', 'guangzhou', 'shenzhen', 'dongguan', 'foshan', 'zhuhai', 'nanjing', 'suzhou', 'wuxi', 'changzhou', 'nantong', 'hangzhou', 'ningbo', 'wenzhou', 'fuzhou', 'xiamen', 'jinan', 'qingdao', 'chengdu', 'chongqing', 'wuhan', 'changsha', 'zhengzhou', 'nanchang', 'xian', 'hefei', 'kunming', 'guiyang', 'nanning', 'taiyuan', 'shijiazhuang', 'shenyang', 'dalian', 'harbin', 'other'], 'type': 'string', 'default': 'beijing', 'description': 'City / province Sets your province’s pension calculation base (养老金计发基数) — the number you would otherwise have to look up. Pick “Other” to enter your own below.'}, 'mode': {'enum': ['at-retirement', 'project'], 'type': 'string', 'default': 'at-retirement', 'description': 'Pension figures are… Choose “project” if you are still years from retiring: the account keeps growing at the 记账利率 and contributions keep landing, so today’s balance is not the retirement balance.'}, 'track': {'enum': ['male', 'female-cadre', 'female-worker'], 'type': 'string', 'default': 'male', 'description': 'Which track are you on? The decisive input. For women it hinges on your file classification (管理/技术岗 vs 工人岗), not job title — and it is the single most disputed point, so choose carefully.'}, 'avgWage': {'type': 'number', 'default': 0, 'minimum': 0, 'description': 'Pension base override 社平工资 (optional) Leave 0 to use your city’s published base above. Enter a number only to override it (or for a city not listed). In “project” mode this is today’s base; it is grown to retirement.'}, 'asOfYear': {'type': 'number', 'default': 2026, 'maximum': 2060, 'minimum': 2025, 'description': 'Today’s figures are from (year) Only used in “project” mode — the year your current balance/base are from. Years-to-retirement is counted from here.'}, 'birthYear': {'type': 'number', 'default': 1980, 'maximum': 2010, 'minimum': 1940, 'description': 'Birth year Gregorian year, e.g. 1980.'}, 'birthMonth': {'type': 'number', 'default': 1, 'maximum': 12, 'minimum': 1, 'description': 'Birth month The reform buckets by birth month, so this changes the answer.'}, 'growthRate': {'type': 'number', 'default': 3, 'maximum': 15, 'minimum': 0, 'description': 'Annual salary / base growth (%) Project mode only. Assumed yearly growth of your salary and the local wage base — both future contributions and the indexed basic pension rise with it.'}, 'bookingRate': {'type': 'number', 'default': 6, 'maximum': 12, 'minimum': 0, 'description': 'Account crediting rate 记账利率 (%) Project mode only. The government-published annual rate credited to your individual account (记账利率) — recent years ~6%. This is not a market investment return.'}, 'accountBalance': {'type': 'number', 'default': 300000, 'minimum': 0, 'description': 'Individual account balance 个人账户储存额 The accumulated balance in your personal pension account. In “project” mode this is today’s balance; it is grown to retirement.'}, 'contributionIndex': {'type': 'number', 'default': 1, 'maximum': 3, 'minimum': 0.6, 'description': 'Average contribution index 平均缴费指数 Your contribution base ÷ local average wage, averaged over your career. Capped 0.6–3.0. 1.0 = you always paid on exactly the average wage.'}, 'contributionYears': {'type': 'number', 'default': 35, 'maximum': 50, 'minimum': 0, 'description': 'Contribution years 缴费年限 Total years contributed, including deemed years 视同缴费年限. In “project” mode this is years so far; the years until retirement are added.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'city': {'enum': ['beijing', 'shanghai', 'tianjin', 'guangzhou', 'shenzhen', 'dongguan', 'foshan', 'zhuhai', 'nanjing', 'suzhou', 'wuxi', 'changzhou', 'nantong', 'hangzhou', 'ningbo', 'wenzhou', 'fuzhou', 'xiamen', 'jinan', 'qingdao', 'chengdu', 'chongqing', 'wuhan', 'changsha', 'zhengzhou', 'nanchang', 'xian', 'hefei', 'kunming', 'guiyang', 'nanning', 'taiyuan', 'shijiazhuang', 'shenyang', 'dalian', 'harbin', 'other'], 'type': 'string', 'default': 'beijing', 'description': 'City Sets the local average wage whose 3× caps the severance base — a figure you would otherwise have to look up. Pick “Other” (or override below) if your city isn’t listed.'}, 'reason': {'enum': ['n', 'n-plus-1', 'unlawful'], 'type': 'string', 'default': 'n', 'description': 'How is employment ending? The decisive input. Resignation with no employer fault pays nothing; unlawful termination doubles it. If unsure which Art. 40 case applies, note that the “+1” is only for a non-fault dismissal given without 30 days’ written notice.'}, 'monthlyWage': {'type': 'number', 'default': 15000, 'minimum': 0, 'description': 'Average monthly wage 月均工资 (pre-tax, incl. bonuses) Average of your last 12 months’ gross pay — base salary + bonuses + allowances, before tax and before your own social-insurance/fund deductions (应得工资). Excludes expense reimbursements.'}, 'localAvgWage': {'type': 'number', 'default': 0, 'minimum': 0, 'description': 'Local average wage 社平工资 override (optional) Leave 0 to use your city’s figure above. The severance-cap caliber is legally negotiable in some cities (Hangzhou especially), so override if you have a specific figure.'}, 'serviceYears': {'type': 'number', 'default': 6, 'maximum': 60, 'minimum': 0, 'description': 'Years of service'}, 'serviceMonths': {'type': 'number', 'default': 0, 'maximum': 11, 'minimum': 0, 'description': '…plus months The trailing part-year: ≥6 months counts as a full year, under 6 months as half a month’s pay.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'city': {'enum': ['beijing', 'shanghai', 'tianjin', 'guangzhou', 'shenzhen', 'dongguan', 'foshan', 'zhuhai', 'nanjing', 'suzhou', 'wuxi', 'changzhou', 'nantong', 'hangzhou', 'ningbo', 'wenzhou', 'fuzhou', 'xiamen', 'jinan', 'qingdao', 'chengdu', 'chongqing', 'wuhan', 'changsha', 'zhengzhou', 'nanchang', 'xian', 'hefei', 'kunming', 'guiyang', 'nanning', 'taiyuan', 'shijiazhuang', 'shenyang', 'dalian', 'harbin', 'other'], 'type': 'string', 'default': 'beijing', 'description': 'City Sets the contribution-base floor and ceiling (the ~60%/300%-of-local-average band) — the numbers you would otherwise look up. Pick “Other” to enter your own.'}, 'gross': {'type': 'number', 'default': 30000, 'minimum': 0, 'description': 'Monthly gross salary Used as the contribution base after clamping to the city floor/ceiling. If your official contribution base differs from gross, enter that instead.'}, 'baseFloor': {'type': 'number', 'default': 0, 'minimum': 0, 'description': 'Base floor 下限 override (optional) Leave 0 to use your city’s floor. Override for a city not listed.'}, 'baseCeiling': {'type': 'number', 'default': 0, 'minimum': 0, 'description': 'Base ceiling 上限 override (optional) Leave 0 to use your city’s ceiling. Salary above the ceiling is not charged.'}, 'housingFundRate': {'type': 'number', 'default': 12, 'maximum': 12, 'minimum': 0, 'description': 'Housing fund rate 公积金 (each side) (%) Employer-chosen 5–12%, matched by the employee. Shanghai caps at 7%.'}, 'employeeSocialRate': {'type': 'number', 'default': 10.5, 'maximum': 30, 'minimum': 0, 'description': 'Employee social-insurance rate (%) Sum of the employee’s pension (8%) + medical (~2%) + unemployment (~0.5%). Work-injury and maternity are employer-only.'}, 'employerSocialRate': {'type': 'number', 'default': 26.7, 'maximum': 50, 'minimum': 0, 'description': 'Employer social-insurance rate (%) Sum of employer pension (16%) + medical (~9%) + unemployment (~0.5%) + work-injury (~0.2–1.9%). City-dependent.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'rate': {'type': 'number', 'default': 7, 'maximum': 50, 'minimum': -20, 'description': 'Annual return (%) Nominal annual return. 7% is a common long-run equity assumption.'}, 'years': {'type': 'number', 'default': 10, 'maximum': 80, 'minimum': 1, 'description': 'Years (yr)'}, 'monthly': {'type': 'number', 'default': 500, 'minimum': 0, 'description': 'Monthly contribution'}, 'principal': {'type': 'number', 'default': 10000, 'minimum': 0, 'description': 'Starting amount'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'platform': {'enum': ['youtube', 'twitch', 'patreon', 'substack', 'onlyfans'], 'type': 'string', 'default': 'youtube', 'description': 'Platform Each platform has a completely different fee structure — this decides everything below.'}, 'patreonPlan': {'enum': ['new10', 'legacy5', 'legacy8', 'legacy12'], 'type': 'string', 'default': 'new10', 'description': 'Patreon fee plan Patreon only. Pages created after 4 Aug 2025 pay a flat 10%. Older pages keep their legacy 5/8/12% plan — but unpublishing your page permanently converts you to 10%. It is a one-way door.'}, 'twitchSplit': {'enum': ['base', 'plus60', 'plus70'], 'type': 'string', 'default': 'base', 'description': 'Twitch sub split tier Twitch only. Plus Points come from paid subs sustained over 3 months: Tier 1 = 1 point, Tier 2 = 2, Tier 3 = 6; gifted subs and Prime subs do NOT count. 100 points unlocks 60%, 300 points unlocks 70%, with a 12-month rate lock once qualified.'}, 'monthlyGross': {'type': 'number', 'default': 1000, 'minimum': 0, 'description': 'Monthly gross platform revenue ($) Before ANY cut. For YouTube: the ad revenue allocated to your videos (for Shorts, your allocation from the creator pool). For subscription platforms: total pledges/subs at list price.'}, 'youtubeStream': {'enum': ['longform', 'shorts', 'memberships'], 'type': 'string', 'default': 'longform', 'description': 'YouTube revenue stream YouTube only — ignored for other platforms. Shorts revenue is 45% of an allocation from a shared creator pool (computed after music licensing), so the allocation itself varies before this split applies.'}, 'avgTransaction': {'type': 'number', 'default': 8, 'minimum': 0.5, 'description': 'Average pledge / sub size ($) Patreon and Substack charge processing per transaction, so the average pledge size changes the all-in rate. Patreon pledges of $3 or less use the micro rate (5% + $0.10) instead of the standard 2.9% + $0.30.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'apr': {'type': 'number', 'default': 24, 'maximum': 60, 'minimum': 0, 'description': 'APR (%)'}, 'balance': {'type': 'number', 'default': 6000, 'minimum': 1, 'description': 'Balance'}, 'payment': {'type': 'number', 'default': 200, 'minimum': 1, 'description': 'Monthly payment'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'to': {'enum': ['USD', 'EUR', 'GBP', 'JPY', 'CNY', 'INR', 'KRW', 'AUD', 'CAD', 'CHF', 'HKD', 'SGD', 'THB', 'IDR', 'MYR', 'PHP', 'BRL', 'MXN', 'ZAR', 'TRY', 'SEK', 'NOK', 'DKK', 'PLN', 'CZK', 'HUF', 'RON', 'BGN', 'ILS', 'NZD', 'ISK'], 'type': 'string', 'default': 'EUR', 'description': 'To'}, 'from': {'enum': ['USD', 'EUR', 'GBP', 'JPY', 'CNY', 'INR', 'KRW', 'AUD', 'CAD', 'CHF', 'HKD', 'SGD', 'THB', 'IDR', 'MYR', 'PHP', 'BRL', 'MXN', 'ZAR', 'TRY', 'SEK', 'NOK', 'DKK', 'PLN', 'CZK', 'HUF', 'RON', 'BGN', 'ILS', 'NZD', 'ISK'], 'type': 'string', 'default': 'USD', 'description': 'From'}, 'amount': {'type': 'number', 'default': 1000, 'minimum': 0, 'description': 'Amount'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'rate': {'type': 'number', 'default': 9, 'maximum': 40, 'minimum': 0, 'description': 'Interest rate (reducing balance) (%)'}, 'months': {'type': 'number', 'default': 120, 'maximum': 480, 'minimum': 1, 'description': 'Tenure (mo)'}, 'principal': {'type': 'number', 'default': 1000000, 'minimum': 1, 'description': 'Loan amount'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'swr': {'type': 'number', 'default': 4, 'maximum': 10, 'minimum': 1, 'description': 'Withdrawal rate (%) The classic "4% rule". Lower is safer.'}, 'rate': {'type': 'number', 'default': 7, 'maximum': 50, 'minimum': -20, 'description': 'Expected annual return (%)'}, 'current': {'type': 'number', 'default': 50000, 'minimum': 0, 'description': 'Current portfolio'}, 'monthly': {'type': 'number', 'default': 1500, 'minimum': 0, 'description': 'Monthly investing'}, 'expenses': {'type': 'number', 'default': 40000, 'minimum': 1, 'description': 'Annual spending'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'convention': {'enum': ['ouvrables', 'ouvres'], 'type': 'string', 'default': 'ouvrables', 'description': 'Your company counts holiday in… The Code counts in jours ouvrables (6-day weeks, 30/year max). Many companies convert to jours ouvrés (5-day weeks, 25/year) — the ×5/6 conversion must never leave you worse off.'}, 'sickMonths': {'type': 'number', 'default': 4, 'maximum': 12, 'minimum': 0, 'description': 'Months on sick leave in the reference period (mo) Months of sick absence between 1 June and 31 May (the legal reference period). Count each month the arrêt covered.'}, 'absenceType': {'enum': ['nonOccupational', 'occupational'], 'type': 'string', 'default': 'nonOccupational', 'description': 'What kind of sick leave? THE gate — ordinary sick months accrue 2 jours ouvrables/month (sick-accrued portion capped at 24 per period); AT/MP months accrue the full 2.5, and the old one-year limit on AT/MP accrual is gone.'}, 'workedMonths': {'type': 'number', 'default': 8, 'maximum': 12, 'minimum': 0, 'description': 'Months worked in the same period (mo) Months actually worked (or otherwise fully assimilated to work — maternity leave, training…) in the same 1 June – 31 May period. Sick + worked cannot exceed 12.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'overhead': {'type': 'number', 'default': 8000, 'minimum': 0, 'description': 'Business costs / year Software, equipment, insurance, coworking, accounting.'}, 'weeksOff': {'type': 'number', 'default': 6, 'maximum': 30, 'minimum': 0, 'description': 'Weeks off / year Vacation + sick + dry spells between clients.'}, 'taxBuffer': {'type': 'number', 'default': 30, 'maximum': 60, 'minimum': 0, 'description': 'Tax & contributions buffer (%) Income tax + self-employment/social contributions on profit.'}, 'targetIncome': {'type': 'number', 'default': 80000, 'minimum': 1, 'description': 'Target annual take-home'}, 'billableHours': {'type': 'number', 'default': 25, 'maximum': 60, 'minimum': 1, 'description': 'Billable hours / week Realistic for full-time freelancing: 20-30. Sales, admin, and email are not billable.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'variant': {'enum': ['basis', 'plus'], 'type': 'string', 'default': 'basis', 'description': 'Which variant? ElterngeldPlus pays half the Basis amount for double the months — designed for working part-time while receiving. Both are shown; this picks the headline.'}, 'household': {'enum': ['couple', 'single'], 'type': 'string', 'default': 'couple', 'description': 'Household Only the pre-Apr-2024 cohort has different caps by household type. Single parents can claim all partner months themselves.'}, 'multiples': {'type': 'number', 'default': 1, 'maximum': 4, 'minimum': 1, 'description': 'Children in this birth Twins = 2. Mehrlingszuschlag adds €300 per additional child of the same birth (€150 in Plus months).'}, 'monthlyNet': {'type': 'number', 'default': 2500, 'minimum': 0, 'description': 'Your average monthly net earned income before birth (€/mo) Average monthly NET earned income of the 12 months before birth (before Mutterschutz for the mother). Months on Elterngeld for an older child, on Mutterschaftsgeld, or ill due to pregnancy are skipped — the window reaches further back instead.'}, 'birthCohort': {'enum': ['from2025', 'apr2024', 'pre2024'], 'type': 'string', 'default': 'from2025', 'description': 'When is (was) your child born? The decisive input: the eligibility income CAP depends on the child’s birth date — €175k / €200k / €300k(couples)-€250k(singles). This cohort trap is what general AI misses entirely (it also invents a €150k single cap that has never existed).'}, 'siblingBonus': {'enum': ['no', 'yes'], 'type': 'string', 'default': 'no', 'description': 'Geschwisterbonus (sibling bonus)? Applies while at least one other child under 3 (or two others under 6) lives in the household: +10% of your Elterngeld, minimum €75 (€37.50 in Plus months).'}, 'taxableIncome': {'type': 'number', 'default': 90000, 'minimum': 0, 'description': 'Taxable income in the calendar year before birth (zu versteuerndes Einkommen) (€/yr) The household’s zu versteuerndes Einkommen per the Steuerbescheid — taxable income, NOT gross salary — in the calendar year before the birth. Over the cohort’s cap → no Elterngeld at all.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'mode': {'enum': ['add', 'remove'], 'type': 'string', 'default': 'add', 'description': 'Direction'}, 'rate': {'enum': ['5', '12', '18', '28', '10', '15', '9', '13'], 'type': 'string', 'default': '18', 'description': 'GST rate'}, 'amount': {'type': 'number', 'default': 25000, 'minimum': 0, 'description': 'Amount'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'down': {'type': 'number', 'default': 60000, 'minimum': 0, 'description': 'Down payment saved'}, 'rate': {'type': 'number', 'default': 6.5, 'maximum': 30, 'minimum': 0, 'description': 'Mortgage rate (%)'}, 'years': {'type': 'number', 'default': 30, 'maximum': 50, 'minimum': 5, 'description': 'Term (yr)'}, 'income': {'type': 'number', 'default': 110000, 'minimum': 1, 'description': 'Gross annual income'}, 'method': {'enum': ['US', 'LTI', 'DTI50'], 'type': 'string', 'default': 'US', 'description': 'How does your lender decide? US lenders underwrite on two debt-to-income ratios. UK and Australian lenders cap the loan at a multiple of income (about 4.5×) and then stress-test the payment. The two produce materially different answers on the same income.'}, 'monthlyDebts': {'type': 'number', 'default': 500, 'minimum': 0, 'description': 'Existing monthly debt payments Car loans, student loans, card minimums — not rent or utilities.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'profit': {'type': 'number', 'default': 3000000, 'maximum': 10000000000, 'minimum': 0, 'description': 'Assessable profits (HKD) Enter Hong Kong assessable profits after allowable deductions. Accounting profit, offshore-source questions and loss carry-forwards must be resolved before this figure.'}, 'tiered': {'enum': ['yes', 'no'], 'type': 'string', 'default': 'yes', 'description': 'Can this entity use the two-tiered rates? Only one connected entity may elect the two-tiered rates in the same year. Control generally means more than 50% of capital, voting rights, or entitlement to capital or profits.'}, 'entityType': {'enum': ['corporation', 'unincorporated'], 'type': 'string', 'default': 'corporation', 'description': 'Entity type'}}, 'additionalProperties': False}

{'type': 'object', 'required': ['country', 'annualIncome'], 'properties': {'country': {'enum': ['usa', 'uk', 'china', 'japan', 'germany', 'france', 'canada', 'australia', 'india', 'taiwan', 'south-korea', 'vietnam', 'thailand', 'indonesia', 'malaysia', 'spain', 'italy', 'portugal', 'brazil', 'mexico', 'argentina'], 'type': 'string', 'description': 'Country key'}, 'deduction': {'type': 'number', 'description': "Deductions (optional; defaults to the country's standard deduction/allowance)"}, 'annualIncome': {'type': 'number', 'description': "Annual gross income in the country's local currency"}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'mpf': {'type': 'number', 'default': 18000, 'maximum': 18000, 'minimum': 0, 'description': 'MPF mandatory contributions (HK$) Deductible up to HK$18,000 a year. Employee mandatory contributions only — voluntary ones are not deductible under this cap.'}, 'year': {'enum': ['2026/27', '2025/26'], 'type': 'string', 'default': '2026/27', 'description': 'Year of assessment Allowances rose in 2026/27 (basic HK$132,000 → HK$145,000). The one-off reduction for 2026/27 has not been announced yet, so it is treated as zero until the February 2027 Budget.'}, 'income': {'type': 'number', 'default': 600000, 'maximum': 100000000, 'minimum': 0, 'description': 'Annual income (HK$) Total assessable income for the year — salary, bonus, commission, and the rental value of any employer-provided housing.'}, 'status': {'enum': ['single', 'married'], 'type': 'string', 'default': 'single', 'description': 'Assessment basis The decisive input. Joint assessment doubles the basic allowance, which raises the income at which the standard rate takes over — the crossover is net income above 8.5 × allowances + HK$900,000.'}, 'parents': {'type': 'number', 'default': 0, 'maximum': 8, 'minimum': 0, 'description': 'Dependent parents/grandparents aged 60+ HK$55,000 each for 2026/27 (HK$50,000 for 2025/26). The 55–59 band is half and is not modelled here.'}, 'children': {'type': 'number', 'default': 0, 'maximum': 9, 'minimum': 0, 'description': 'Children claimed HK$140,000 each for 2026/27 (HK$130,000 for 2025/26), for up to nine children. The extra year-of-birth allowance is not modelled.'}, 'otherDeductions': {'type': 'number', 'default': 0, 'maximum': 500000, 'minimum': 0, 'description': 'Other deductions (HK$) Self-education (max 100,000), home-loan interest (100,000, or 120,000 with a young child), domestic rent (same), elderly residential care, annuity/TVC (60,000), VHIS. Enter the total.'}, 'parentsLiveWith': {'enum': ['no', 'yes'], 'type': 'string', 'default': 'no', 'description': 'Do those parents live with you? Living with you the whole year doubles the dependent-parent allowance. Easy to miss, and worth HK$55,000 of allowance per parent in 2026/27.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'annualIncome': {'type': 'number', 'default': 45000, 'maximum': 10000000, 'minimum': 0, 'description': 'Annual gross employment income (EUR) Salary and other employment income used for the arbeidskorting. This model is for someone below AOW age throughout 2026.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'status': {'enum': ['resident', 'nonResidentEmployee', 'nonResidentOther'], 'type': 'string', 'default': 'resident', 'description': 'Tax status and income type Residents generally include citizens or PRs who reside in Singapore and foreigners meeting an IRAS residence test. The non-resident employee option assumes the employment income is taxable rather than covered by the short-term exemption.'}, 'reliefs': {'type': 'number', 'default': 0, 'maximum': 80000, 'minimum': 0, 'description': 'Eligible personal reliefs (SGD) Resident only. Enter the total you qualify for, including earned-income and eligible CPF reliefs. IRAS caps total personal reliefs at S$80,000 per YA.'}, 'annualIncome': {'type': 'number', 'default': 60000, 'maximum': 100000000, 'minimum': 0, 'description': 'Annual taxable income before reliefs (SGD)'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'basicDA': {'type': 'number', 'default': 25000, 'minimum': 0, 'description': 'Monthly basic + DA last drawn Basic pay + dearness allowance (+ retaining allowance, if any) in your last drawn month. Gratuity runs on last-drawn wages, not an average.'}, 'exitReason': {'enum': ['service', 'death-disablement'], 'type': 'string', 'default': 'service', 'description': 'Why is employment ending? Death or disablement waives the qualifying-service requirement entirely; the formula is otherwise the same.'}, 'serviceYears': {'type': 'number', 'default': 10, 'maximum': 60, 'minimum': 0, 'description': 'Completed years of service Whole completed years of continuous service. Put the leftover months in the next field.'}, 'employmentType': {'enum': ['permanent', 'fixed-term', 'journalist'], 'type': 'string', 'default': 'permanent', 'description': 'What kind of employment? This gate is the headline change — fixed-term employees now qualify after just 1 year (pro-rata), and working journalists after 3. Under the old Act the answer for a 2-year fixed-term worker was simply ₹0.'}, 'totalRemuneration': {'type': 'number', 'default': 60000, 'minimum': 0, 'description': 'Total monthly remuneration Everything monthly: basic, DA, HRA, allowances, employer PF contribution, statutory bonus — but not gratuity or ESI (per the MoLE FAQ). The 50% floor: if basic + DA is under half of this, the law adds the excess back. THIS is what most people don’t know.'}, 'serviceExtraMonths': {'type': 'number', 'default': 0, 'maximum': 11, 'minimum': 0, 'description': '…plus months Months beyond the completed years. More than 6 months rounds UP to a full extra year (§53(2)); exactly 6 does not.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'claimant': {'enum': ['father', 'mother'], 'type': 'string', 'default': 'father', 'description': 'Who is claiming? The asymmetry general AI misses: a father’s +13% condition is satisfied AUTOMATICALLY while the employed mother is on maternity leave (産後休業 counts as waiver #6) — he only needs his own ≥14 days. The MOTHER’s claim is the one that needs the father to take ≥14 days of leave, unless a waiver applies (spouse not employed / self-employed / single parent).'}, 'leaveDays': {'type': 'number', 'default': 180, 'maximum': 365, 'minimum': 5, 'description': 'Leave days to model (days) Total benefit days you plan to take. The 67% rate runs for the first 180 benefit days (the counter includes 産後パパ育休 days), then steps down to 50%.'}, 'monthlyWage': {'type': 'number', 'default': 350000, 'minimum': 0, 'description': 'Average monthly wage before leave (¥/mo) Average of the 6 months of wages before the leave starts — this sets your 賃金日額 (daily wage) = wage × 6 ÷ 180 = wage ÷ 30. Use gross pay including fixed allowances, before tax and social insurance.'}, 'bothCondition': {'enum': ['yes', 'no'], 'type': 'string', 'default': 'yes', 'description': 'Is the +13% condition met? The 出生後休業支援給付金 needs your own leave of ≥14 days within the statutory window AND the spouse condition per the claimant note above (a father’s is auto-met while the employed mother is on 産後休業; a mother’s needs the father’s ≥14 days or a waiver). When met, the first 28 days pay 80% gross.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'months': {'type': 'number', 'default': 12, 'maximum': 18, 'minimum': 1, 'description': 'Months of leave to model (mo) Standard entitlement is 12 months per parent. It extends to 18 months when both parents each take at least 3 months, for single parents, or for a child with a severe disability.'}, 'scheme': {'enum': ['general', 'sixSix', 'singleParent'], 'type': 'string', 'default': 'general', 'description': 'Which scheme applies? The decisive input nobody volunteers: whether BOTH parents take leave (simultaneously or one after the other) for a child under 18 months. If yes, months 1–6 flip to the 6+6 scheme’s escalating 100% caps — up to ₩4.5M/month per parent instead of ₩2.5M/₩2.0M.'}, 'monthlyWage': {'type': 'number', 'default': 3500000, 'minimum': 0, 'description': 'Ordinary monthly wage (통상임금) (₩/mo) Your 통상임금 — the ordinary wage the benefit is computed on (base pay plus fixed regular allowances), not total compensation with variable bonuses and overtime.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'rate': {'type': 'number', 'default': 5, 'maximum': 60, 'minimum': 0, 'description': 'Annual interest rate (%)'}, 'years': {'type': 'number', 'default': 30, 'maximum': 50, 'minimum': 0.5, 'description': 'Term (yr)'}, 'amount': {'type': 'number', 'default': 300000, 'minimum': 1, 'description': 'Loan amount'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'arpa': {'type': 'number', 'default': 1200, 'minimum': 0.01, 'description': 'Annual revenue per customer'}, 'samPct': {'type': 'number', 'default': 40, 'maximum': 100, 'minimum': 0.1, 'description': 'Serviceable share (%) Share you can actually reach: your segment, geography, language, channel.'}, 'somPct': {'type': 'number', 'default': 5, 'maximum': 100, 'minimum': 0.01, 'description': 'Obtainable share of SAM (%) Realistic share you win in ~3–5 years given competition.'}, 'accounts': {'type': 'number', 'default': 200000, 'minimum': 1, 'description': 'Potential customers in market Total count of businesses/people who could conceivably buy this category.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'serviceYears': {'type': 'number', 'default': 3, 'maximum': 45, 'minimum': 0, 'description': 'Completed years of service Count FULL years only — vacation entitlement vests on completing each year of service (2 years 8 months = 2). Enter 0 if you have not yet completed your first year.'}, 'monthlySalary': {'type': 'number', 'default': 15000, 'minimum': 1, 'description': 'Monthly base salary (MX$) Your base salary (cuota diaria = monthly ÷ 30) — NOT the SDI. The integrated wage (salario diario integrado) is for IMSS contributions only; using it here double-counts the very benefits being calculated.'}, 'daysWorkedThisYear': {'type': 'number', 'default': 365, 'maximum': 365, 'minimum': 0, 'description': 'Days worked this calendar year For the aguinaldo pro-rata: worked less than the full year (started mid-year, leaving early) and the 15 days scale by days worked ÷ 365. Leave 365 for a full year.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'rate': {'type': 'number', 'default': 6.5, 'maximum': 30, 'minimum': 0, 'description': 'Interest rate (%)'}, 'price': {'type': 'number', 'default': 400000, 'minimum': 1, 'description': 'Home price'}, 'years': {'type': 'number', 'default': 30, 'maximum': 50, 'minimum': 1, 'description': 'Term (yr)'}, 'market': {'enum': ['US', 'OTHER'], 'type': 'string', 'default': 'US', 'description': 'Where are you buying? Private mortgage insurance is a US product. Most other markets price the same lender risk into the interest rate instead, so no separate PMI line is charged.'}, 'downPct': {'type': 'number', 'default': 20, 'maximum': 100, 'minimum': 0, 'description': 'Down payment (%)'}, 'insurance': {'type': 'number', 'default': 1500, 'minimum': 0, 'description': 'Home insurance / year'}, 'propertyTax': {'type': 'number', 'default': 4000, 'minimum': 0, 'description': 'Property tax / year'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'year': {'enum': ['2026', '2027'], 'type': 'string', 'default': '2026', 'description': 'Computation year The rate (30% → 27%) and the salary norms change at the 2026/2027 boundary — differently per cohort.'}, 'cohort': {'enum': ['new', 'started2024', 'started2023'], 'type': 'string', 'default': 'new', 'description': 'When was (will) your 30% ruling first granted? The decisive input. The 2027 transition is THREE cohorts, not two: 2023-and-earlier keep 30% AND the old salary norm for their full term; 2024 starters drop to 27% in 2027 but KEEP the old norm; 2025-and-later starters get 27% AND the higher norm from 2027.'}, 'salary': {'type': 'number', 'default': 60000, 'minimum': 0, 'description': 'Annual gross salary (total compensation) (€) Your total agreed gross pay, before the tax-free allowance is carved out of it. The salary norm tests what remains TAXABLE after the allowance — the tool handles that split.'}, 'distanceOk': {'enum': ['yes', 'no'], 'type': 'string', 'default': 'yes', 'description': 'Lived >150km from the Dutch border before starting? A hard eligibility gate: you must have lived more than 150km from the Dutch border for more than 16 of the 24 months before your Dutch employment began. This excludes Belgium, Luxembourg, and border regions of Germany.'}, 'priorNlMonths': {'type': 'number', 'default': 0, 'maximum': 300, 'minimum': 0, 'description': 'Months lived or worked in NL in the past 25 years (mo) Earlier stays in the Netherlands within the last 25 years are deducted from the 60-month maximum duration.'}, 'under30Masters': {'enum': ['no', 'yes'], 'type': 'string', 'default': 'no', 'description': 'Under 30 with a (Dutch-equivalent) master’s degree? A lower salary norm applies (€36,497 vs €48,013 in 2026) — but only until the month you turn 30.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'rate': {'type': 'number', 'default': 10, 'maximum': 100, 'minimum': 0, 'description': 'Discount rate (%) Your hurdle rate / cost of capital.'}, 'cashflows': {'type': 'array', 'items': {'type': 'number'}, 'default': [-100000, 30000, 40000, 50000, 40000], 'description': 'Cashflows by year Year 0 first (usually negative), then one value per year. Comma-separated.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'abode': {'enum': ['none', 'yearRound', 'vacation', 'undergrad'], 'type': 'string', 'default': 'none', 'description': 'Do you maintain a dwelling in New York? The trap: people count days but don\'t know that a NYC crash pad, a company apartment principally available to you, or even a sublet counts as a "permanent place of abode". Vacation homes are generally not one (Obus, 2022); undergraduate apartments are disregarded by policy.'}, 'daysNY': {'type': 'number', 'default': 0, 'maximum': 366, 'minimum': 0, 'description': 'Days with any presence in New York State Any part of a day = a full day. Only two exceptions: pure travel-through (boarding a flight or train out, driving through) and inpatient medical confinement. Outpatient visits and "just dinner in the city" days COUNT.'}, 'daysNYC': {'type': 'number', 'default': 0, 'maximum': 366, 'minimum': 0, 'description': "Of those, days with any presence in the five boroughs For the separate New York City resident test. Leave 0 if NYC doesn't apply to you."}, 'abodeInNYC': {'enum': ['no', 'yes'], 'type': 'string', 'default': 'no', 'description': "Is the dwelling in New York City? Drives the separate city test. NYC levies its own resident income tax on top of the state's."}, 'abodeMonths': {'type': 'number', 'default': 12, 'maximum': 12, 'minimum': 0, 'description': 'Months of the year the dwelling was maintained "Substantially all of the year" means MORE than 10 months (Audit Division policy for tax years 2022+; it was 11 before). This matters mainly in years you acquire or dispose of the home — renting it out briefly mid-ownership does NOT break continuity.'}, 'armedForces': {'enum': ['no', 'yes'], 'type': 'string', 'default': 'no', 'description': 'Active-duty US armed forces? Active-duty members of the US armed forces are statutorily excluded from the day-count prong.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'activity': {'enum': ['teachingResearch', 'qualifiedProfession', 'exportCompany', 'startup', 'rd', 'investmentContract', 'madeiraAzores', 'other'], 'type': 'string', 'default': 'qualifiedProfession', 'description': 'Which eligible activity fits you? THE gate. IFICI is not a general expat regime — your work must fit one of these routes, each certified by a different entity. Annex-I professions include directors, physical-science/engineering specialists, doctors, university professors, and ICT specialists.'}, 'ptIncome': {'type': 'number', 'default': 60000, 'minimum': 0, 'description': 'Expected annual PT income from the eligible activity (€) Employment or self-employment income from the eligible activity, per year — the income the 20% flat rate would apply to.'}, 'formerRegime': {'enum': ['none', 'nhr', 'regressar'], 'type': 'string', 'default': 'none', 'description': 'Did you ever benefit from the old NHR or the Programa Regressar? Either one bars you from IFICI. If your old NHR 10-year term is still running you keep it under the old rules — you just cannot switch to IFICI.'}, 'qualification': {'enum': ['phd', 'bachelorPlus3', 'neither'], 'type': 'string', 'default': 'bachelorPlus3', 'description': 'Your qualification (Annex-I profession route only) Only matters for the Annex-I highly-qualified-profession route; ignored for every other route. That route requires a PhD, or a Bachelor-level degree plus at least 3 years of proven experience.'}, 'foreignPension': {'enum': ['no', 'yes'], 'type': 'string', 'default': 'no', 'description': 'Will you draw a foreign pension? e.g. a company or state pension from your home country. The single biggest NHR-vs-IFICI difference: the old NHR taxed these at 10%; IFICI taxes them at full progressive rates.'}, 'priorPtResident': {'enum': ['no', 'yes'], 'type': 'string', 'default': 'no', 'description': 'Were you a Portuguese tax resident in ANY of the 5 years before arrival? A hard gate: IFICI is only for people becoming PT tax resident who were NOT resident in any of the previous 5 years. "Yes" ends the analysis regardless of your activity.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'pay': {'type': 'number', 'default': 25, 'minimum': 0.01, 'description': 'Pay (gross) Hourly rate or annual salary, before tax — the next field nets it down.'}, 'price': {'type': 'number', 'default': 1200, 'minimum': 0.01, 'description': 'Price'}, 'cadence': {'enum': ['once', 'monthly', 'yearly'], 'type': 'string', 'default': 'once', 'description': 'How often'}, 'payMode': {'enum': ['hourly', 'salary'], 'type': 'string', 'default': 'hourly', 'description': 'You earn'}, 'takeHomePct': {'type': 'number', 'default': 75, 'maximum': 100, 'minimum': 10, 'description': 'Take-home share (%) The share of gross you actually keep after tax and contributions. Typical full-time range: 65–85%.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'cost': {'type': 'number', 'default': 30, 'minimum': 0.01, 'description': 'Unit cost'}, 'price': {'type': 'number', 'default': 50, 'minimum': 0.01, 'description': 'Selling price'}, 'discount': {'type': 'number', 'default': 0, 'maximum': 90, 'minimum': 0, 'description': 'Planned discount (%)'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'savings': {'type': 'number', 'default': 30000, 'minimum': 0, 'description': 'Savings you can spend Liquid only — not retirement accounts you’d pay penalties to touch.'}, 'growthPct': {'type': 'number', 'default': 5, 'maximum': 50, 'minimum': 0, 'description': 'That income’s growth / month (%) How fast the new thing is growing, from evidence so far. 0 = flat.'}, 'essentials': {'type': 'number', 'default': 3000, 'minimum': 1, 'description': 'Essential monthly spending The quit-mode budget, not your current lifestyle.'}, 'extraCosts': {'type': 'number', 'default': 500, 'minimum': 0, 'description': 'New costs after quitting What the job was covering: health insurance (US COBRA/marketplace often $400–800/person), phone, equipment.'}, 'sideIncome': {'type': 'number', 'default': 500, 'minimum': 0, 'description': 'Monthly income that continues Freelance, side project, partner contribution to your share — income that survives the quit.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'cost': {'type': 'number', 'default': 50000, 'minimum': 0.01, 'description': 'Total invested'}, 'years': {'type': 'number', 'default': 3, 'maximum': 100, 'minimum': 0, 'description': 'Holding period (yr)'}, 'finalValue': {'type': 'number', 'default': 72000, 'minimum': 0, 'description': 'Final value (or total returned)'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'burn': {'type': 'number', 'default': 40000, 'minimum': 0.01, 'description': 'Net monthly burn Expenses minus revenue. Use the average of the last 3 months.'}, 'cash': {'type': 'number', 'default': 500000, 'minimum': 0, 'description': 'Cash in bank'}, 'burnChange': {'type': 'number', 'default': 0, 'maximum': 100, 'minimum': -50, 'description': 'Burn change / month (%) Positive if burn is growing (hiring), negative if revenue is catching up.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'reason': {'enum': ['employerTermination', 'resignation', 'art81', 'art87', 'art80'], 'type': 'string', 'default': 'employerTermination', 'description': 'How is employment ending? The decisive input. The reason flips the answer between 0× and 1× of the same formula — the input models never ask for. Ordinary resignation is cut by the Art. 85 ladder; an Art. 80 dismissal pays nothing at all.'}, 'monthlyWage': {'type': 'number', 'default': 10000, 'minimum': 0, 'description': 'Last monthly wage (actual wage, SAR) (SAR) Your LAST monthly actual wage: basic + housing + transport + fixed allowances. The Saudi base is the gross wage, NOT basic-only (that is the UAE rule). Contracts may exclude fluctuating commissions per Art. 86 — commission earners should use the last-12-months average of the commission part.'}, 'serviceYears': {'type': 'number', 'default': 7, 'maximum': 45, 'minimum': 0, 'description': 'Years of service Total continuous service in years — decimals are fine, pro-rata applies to fractions of a year in both tiers.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'goal': {'type': 'number', 'default': 100000, 'minimum': 1, 'description': 'Target amount'}, 'rate': {'type': 'number', 'default': 4, 'maximum': 50, 'minimum': -20, 'description': 'Annual return (%) Use a conservative rate for short horizons.'}, 'years': {'type': 'number', 'default': 5, 'maximum': 60, 'minimum': 0.5, 'description': 'Years to goal (yr)'}, 'current': {'type': 'number', 'default': 10000, 'minimum': 0, 'description': 'Already saved'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'age': {'type': 'number', 'default': 30, 'maximum': 80, 'minimum': 16, 'description': 'Age Sets the rate band: 35 & below, >35–45, >45–50, >50–55, >55–60, >60–65, >65–70, >70. Each band has its own worker/operator split.'}, 'year': {'enum': ['2025', '2026', '2027', '2028', '2029'], 'type': 'string', 'default': '2026', 'description': 'Contribution year Rates ramp every January until full employee parity in 2029. 2027+ figures for ages 55–70 are subject to the senior-worker contribution schedule.'}, 'optedIn': {'enum': ['no', 'yes'], 'type': 'string', 'default': 'no', 'description': 'Born before 1995 — have you opted in? Only matters if you were born before 1 Jan 1995. The opt-in is irreversible — once made, you are treated exactly like the mandatory cohort (worker share + operator share), forever.'}, 'vehicle': {'enum': ['car', 'motorcycle', 'bicycle'], 'type': 'string', 'default': 'bicycle', 'description': 'How do you work? CPF applies to NET earnings = gross minus a fixed expense deduction (FEDA) set by your mode of work: 60% for cars/vans/lorries, 35% for motorcycles/PABs/PMDs, 20% otherwise. A car driver’s CPF base is only 40% of gross.'}, 'birthYear': {'type': 'number', 'default': 1996, 'maximum': 2010, 'minimum': 1955, 'description': 'Birth year The hard line: born on or after 1 Jan 1995 → increased CPF contributions are MANDATORY. Born before → voluntary, by an IRREVOCABLE opt-in (otherwise MediSave-only). Two riders doing identical work, born days apart, live under different regimes.'}, 'grossMonthly': {'type': 'number', 'default': 3000, 'minimum': 0, 'description': 'Gross platform earnings per month (S$) Fares and fees as paid out by the platform, before the fixed expense deduction. Per operator.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'mode': {'enum': ['buy', 'sell'], 'type': 'string', 'default': 'buy', 'description': 'Buying or selling?'}, 'price': {'type': 'number', 'default': 1500000, 'minimum': 0, 'description': 'Price / market value (the higher of the two) (S$) Stamp duty is charged on the higher of the price and the market value — for buying and selling alike.'}, 'acqYear': {'type': 'number', 'default': 2025, 'maximum': 2100, 'minimum': 2011, 'description': 'Acquisition year Selling-mode only. The acquisition date is the day you accepted/exercised the Option to Purchase (or signed the Sale & Purchase Agreement) — not the grant of the option. It selects which SSD schedule applies. Acquisitions before 14 Jan 2011 are not modeled (any sale now is past every tier anyway).'}, 'profile': {'enum': ['sc', 'spr', 'fta', 'foreigner', 'entity'], 'type': 'string', 'default': 'sc', 'description': 'Buyer profile The decisive input — it moves ABSD between 0% and 60% of the price. The FTA carve-out is exact: US CITIZENS qualify (green-card holders do NOT); for Iceland, Liechtenstein, Norway and Switzerland, both nationals and PRs qualify. Buying-mode only.'}, 'acqMonth': {'type': 'number', 'default': 8, 'maximum': 12, 'minimum': 1, 'description': 'Acquisition month Selling-mode only. 1–12.'}, 'saleYear': {'type': 'number', 'default': 2026, 'maximum': 2100, 'minimum': 2011, 'description': 'Sale year Selling-mode only. The year you (will) contract to sell.'}, 'saleMonth': {'type': 'number', 'default': 7, 'maximum': 12, 'minimum': 1, 'description': 'Sale month Selling-mode only. 1–12.'}, 'propertiesOwned': {'type': 'number', 'default': 0, 'maximum': 5, 'minimum': 0, 'description': 'Residential properties already owned in Singapore Count before this purchase. Any fractional interest — even 1% on a parent’s flat — counts as one full property. Overseas property does not count. Buying-mode only.'}, 'jointHighestRate': {'enum': ['none', 'sc', 'spr', 'fta', 'foreigner', 'entity'], 'type': 'string', 'default': 'none', 'description': 'Joint purchase — co-buyer with a higher ABSD profile In a joint purchase the buyer with the HIGHEST applicable ABSD rate sets the rate for the entire price — not just their share. The co-buyer’s rate here is computed at the same properties-owned count as yours; if they own more, rerun with their count to check whose rate governs. Buying-mode only.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'rate': {'type': 'number', 'default': 12, 'maximum': 40, 'minimum': -20, 'description': 'Expected annual return (%) 12% is the customary Indian equity assumption; long-run index reality is closer to 10-12% nominal.'}, 'years': {'type': 'number', 'default': 15, 'maximum': 50, 'minimum': 1, 'description': 'Years (yr)'}, 'stepUp': {'type': 'number', 'default': 0, 'maximum': 50, 'minimum': 0, 'description': 'Annual step-up (%) Increase the monthly amount every year (e.g. 10% with salary raises).'}, 'monthly': {'type': 'number', 'default': 10000, 'minimum': 1, 'description': 'Monthly investment'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'tip': {'type': 'number', 'default': 0, 'maximum': 100, 'minimum': 0, 'description': 'Tip (%)'}, 'total': {'type': 'number', 'default': 186.4, 'minimum': 0.01, 'description': 'Bill total'}, 'people': {'type': 'number', 'default': 4, 'maximum': 200, 'minimum': 1, 'description': 'People'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'buffer': {'type': 'number', 'default': 0, 'minimum': 0, 'description': 'Cash buffer today What’s in the account that smooths the gaps. Leave 0 if none yet.'}, 'incomes': {'type': 'array', 'items': {'type': 'number'}, 'default': [3200, 5400, 2100, 4800, 3900, 2600], 'description': 'Monthly income, most recent months Comma-separated, 3–24 months, any order. More months = a truer picture.'}, 'essentials': {'type': 'number', 'default': 2500, 'minimum': 0, 'description': 'Essential monthly costs Rent, food, utilities, insurance, minimum debt payments — the must-pays.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'year': {'enum': ['2025', '2026', '2029', '2032'], 'type': 'string', 'default': '2026', 'description': 'Contribution year The ceiling rises in three phases: ฿17,500 (2026), ฿20,000 (2029), ฿23,000 (2032). Pick 2025 to see the old frozen ceiling.'}, 'section': {'enum': ['33', '39', '40'], 'type': 'string', 'default': '33', 'description': 'Which SSO section are you under? The section decides everything: §33 is percentage-of-wage with a ceiling, §39 is a flat ฿432, §40 is a chosen flat option.'}, 's40option': {'enum': ['1', '2', '3'], 'type': 'string', 'default': '1', 'description': 'Section 40 option Only used for Section 40. Higher options buy more benefit branches.'}, 'monthlyWage': {'type': 'number', 'default': 30000, 'minimum': 0, 'description': 'Monthly wage (฿) Gross monthly wage — used for Section 33 only. Contributions apply between the ฿1,650 floor and the year’s ceiling.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'gross': {'type': 'number', 'default': 800, 'minimum': 0, 'description': 'Gross earnings / week What the app(s) paid you, before anything.'}, 'hours': {'type': 'number', 'default': 40, 'maximum': 120, 'minimum': 0.5, 'description': 'Total hours / week Include waiting, driving between jobs, and returning empty — research finds unpaid "deadhead" time is about a third of gig working time.'}, 'miles': {'type': 'number', 'default': 600, 'minimum': 0, 'description': 'Miles driven / week All of them, including empty miles. 0 if the hustle has no vehicle.'}, 'taxPct': {'type': 'number', 'default': 15, 'maximum': 60, 'minimum': 0, 'description': 'Tax on profit (%) US self-employment tax alone is ~14% of profit; add your income-tax bracket for the fully-taxed number. Set 0 to see pre-tax.'}, 'minWage': {'type': 'number', 'default': 7.25, 'minimum': 0, 'description': 'Local minimum wage The benchmark an employer would legally have to beat. US federal is $7.25; many states/cities are $15+.'}, 'costPerMile': {'type': 'number', 'default': 0.35, 'maximum': 3, 'minimum': 0, 'description': 'Vehicle cost / mile Gas alone is ~$0.12–0.18/mi. The IRS all-in rate (fuel + maintenance + depreciation + insurance) is ~$0.70/mi. Most drivers’ true cost is $0.25–0.45.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'mode': {'enum': ['gratuity', 'compare'], 'type': 'string', 'default': 'gratuity', 'description': 'What to compute The savings scheme is an employer opt-in that replaces gratuity accrual with monthly contributions to a licensed, ring-fenced fund. Compare mode shows the monthly contribution at your current service band and how the two regimes differ.'}, 'basicMonthly': {'type': 'number', 'default': 8000, 'minimum': 0, 'description': "Last monthly BASIC wage (AED) (AED) UAE gratuity uses the BASIC wage only — housing, transport, and other allowances are excluded. This is the OPPOSITE of Saudi Arabia, where the base is the actual wage including allowances. Check your contract's basic/allowance split; the gratuity rides on the basic line alone."}, 'serviceYears': {'type': 'number', 'default': 6, 'maximum': 45, 'minimum': 0, 'description': 'Years of service Total continuous service in years — decimals are fine, fractions of a year earn pro-rata. Days of unpaid absence are excluded from the service count. Under one full year of service, no gratuity is due.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'gain': {'type': 'number', 'default': 20000, 'minimum': 0, 'description': 'Total gain on the disposal (£) Proceeds minus what you paid minus allowable costs (buying/selling fees, improvement costs). The gain, not the sale price.'}, 'assetType': {'enum': ['other', 'residentialProperty', 'badr'], 'type': 'string', 'default': 'other', 'description': 'What are you selling? BADR (Business Asset Disposal Relief) needs, broadly: 2 years of ownership, and for company shares at least 5% of shares and votes while being an officer or employee — check the full conditions. Selling the home you’ve always lived in? Usually NO CGT at all (Private Residence Relief) — this tool is for property that was never, or not always, your main home.'}, 'disposalDate': {'enum': ['2025-26', '2026-27'], 'type': 'string', 'default': '2026-27', 'description': 'When are you disposing (tax year)? The BADR rate steps 14% → 18% at this boundary (6 April 2026) — the disposal date IS a rate input now, not admin detail. Main 18%/24% rates and the £3,000 allowance are the same in both years.'}, 'taxableIncome': {'type': 'number', 'default': 35000, 'minimum': 0, 'description': 'Your taxable income this year (£) Income AFTER the personal allowance — roughly your salary minus £12,570. This is the hidden input: the gain stacks on top of it, and it decides how much falls in the basic band at 18% vs above it at 24%.'}, 'badrLifetimeUsed': {'type': 'number', 'default': 0, 'maximum': 1000000, 'minimum': 0, 'description': 'BADR lifetime relief already claimed (£) Only matters for BADR disposals. Gains you have already claimed BADR on, ever — the relief has a £1 million lifetime limit.'}, 'otherGainsUsedAea': {'enum': ['no', 'yes'], 'type': 'string', 'default': 'no', 'description': 'Already used the £3,000 allowance this year? The annual exempt amount is per tax year across all your disposals, not per disposal.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'co2': {'type': 'number', 'default': 120, 'maximum': 400, 'minimum': 0, 'description': 'CO2 emissions (g/km) From the V5C logbook or the manufacturer. Sets the first-year rate for cars registered from April 2025 and the band for 2001–2017 cars. Ignored for EVs, and for the standard-year tax on post-2017 cars.'}, 'fuel': {'enum': ['petrolDiesel', 'ev'], 'type': 'string', 'default': 'petrolDiesel', 'description': 'Fuel type Zero emission = pure electric (or hydrogen fuel-cell). Hybrids count as petrol/diesel — their £10 hybrid discount ended in April 2025. Non-RDE2 diesels pay one first-year band higher (see methodology; this tool assumes RDE2).'}, 'regDate': {'enum': ['new', 'y2017', 'y2001'], 'type': 'string', 'default': 'new', 'description': 'When was the car first registered? The decisive input — three different tax regimes by first-registration date (the date the car was first registered anywhere, not when you bought it). Cars first registered before 1 March 2001 are taxed by engine size instead and are out of scope here.'}, 'listPrice': {'type': 'number', 'default': 30000, 'minimum': 0, 'description': 'Manufacturer list price when new (£) The published list price on the day of first registration, including factory options and VAT — not what was actually paid. This decides the expensive-car supplement, and it sticks with the car for life.'}, 'yearOfOwnership': {'enum': ['first', 'standard', 'after6'], 'type': 'string', 'default': 'standard', 'description': 'Which year of the car’s life? Which year’s tax to show. The CO2-based first-year rate only exists for cars registered from April 2025 — for older cohorts "first year" is shown as a normal year. Years 2–6 are when the expensive-car supplement can apply.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'giftAid': {'type': 'number', 'default': 0, 'minimum': 0, 'description': 'Gift Aid donations this year (net) (£) Charity donations under Gift Aid (what you actually gave). Like pensions, they are grossed up ×1.25 and reduce adjusted net income.'}, 'children': {'type': 'number', 'default': 2, 'maximum': 8, 'minimum': 1, 'description': 'Children you claim child benefit for Eldest child £27.05/week, each additional child £17.90/week (2026-27).'}, 'higherIncome': {'type': 'number', 'default': 70000, 'minimum': 0, 'description': 'Higher earner’s taxable income (£) The HIGHER earner’s adjusted-net-income components before this tool’s deductions: salary + bonus + benefits in kind (company car, medical) + rental and investment income. The charge always tests the higher partner individually — never the household total.'}, 'pensionContributions': {'type': 'number', 'default': 0, 'minimum': 0, 'description': 'Pension contributions this year (relief at source, net) (£) What you actually paid into a personal/workplace relief-at-source pension (the net amount). The provider adds 25% basic-rate relief, and the GROSSED-UP figure (×1.25) reduces your adjusted net income — this is the lever that shrinks or zeroes the charge. Salary-sacrifice and net-pay contributions are already out of your taxable income, so leave those out.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'profit': {'type': 'number', 'default': 40000, 'minimum': 0, 'description': 'Self-employment profit for 2025-26 (£) Tax year 6 Apr 2025 – 5 Apr 2026: revenue minus allowable expenses (your taxable profit, not turnover).'}, 'firstYear': {'enum': ['yes', 'no'], 'type': 'string', 'default': 'yes', 'description': 'Is this your FIRST Self Assessment year? First-timers get the 150% shock: the whole year’s bill plus the first payment on account land on the same day. Returning filers have already part-paid via last year’s payments on account.'}, 'priorBill': {'type': 'number', 'default': 0, 'minimum': 0, 'description': 'Last year’s total Self Assessment bill (£) Only used when this is NOT your first year: it set the two payments on account (50% each) you have already made toward this year.'}, 'payeIncome': {'type': 'number', 'default': 0, 'minimum': 0, 'description': 'Employment (PAYE) income in the same year (£) Salary taxed through payroll. It uses up your personal allowance and basic-rate band BEFORE your profit — and because its tax is collected at source, it feeds the 80% test that can spare you payments on account entirely.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'years': {'type': 'number', 'default': 5, 'maximum': 50, 'minimum': 0, 'description': 'Complete years worked there Full years of continuous employment. Part years do not add a week — at 4 years 11 months you get 4 weeks, not 5.'}, 'nation': {'enum': ['gb', 'ni'], 'type': 'string', 'default': 'gb', 'description': 'Where you work Notice periods are the same everywhere in the UK. Only the insolvency weekly cap differs: £751 in Great Britain, £783 in Northern Ireland.'}, 'taxRate': {'enum': ['0', '20', '40', '45'], 'type': 'string', 'default': '20', 'description': 'Your income tax rate Used to estimate the tax on your notice pay. National Insurance comes off on top of this and is not included in the estimate.'}, 'benefits': {'type': 'number', 'default': 0, 'maximum': 100000, 'minimum': 0, 'description': 'Benefits you got (or could have got) during notice (£ total) Insolvency claims only. Universal Credit or Jobseeker’s Allowance for the notice period is deducted — and it is deducted even if you never applied, unless you were refused and send the rejection letter.'}, 'situation': {'enum': ['pilon', 'worked', 'insolvent'], 'type': 'string', 'default': 'pilon', 'description': 'How is your notice being handled? The decisive input: it changes both the amount and the tax. Paid in lieu is taxed as earnings with no £30,000 shelter. The insolvency route is capped weekly and reduced by benefits.'}, 'weeklyPay': {'type': 'number', 'default': 700, 'maximum': 20000, 'minimum': 0, 'description': 'Your weekly pay before tax (£) Gross, before tax. Monthly salary ÷ 4.333 if that is easier.'}, 'contractWeeks': {'type': 'number', 'default': 0, 'maximum': 52, 'minimum': 0, 'description': 'Notice in your contract (weeks, if longer) Leave 0 to use the statutory minimum. Many contracts say one or three months — that is 4.3 or 13 weeks, and the longer of the two always wins.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'age': {'type': 'number', 'default': 45, 'maximum': 100, 'minimum': 16, 'description': 'Your age when the job ends'}, 'nation': {'enum': ['gb', 'ni'], 'type': 'string', 'default': 'gb', 'description': 'Where do you work? Northern Ireland sets its own, higher statutory limits: £783 a week and £23,490 maximum.'}, 'niRate': {'enum': ['8', '2', '0'], 'type': 'string', 'default': '8', 'description': 'Your National Insurance rate NI is due on notice and holiday pay, never on the termination payment — a different boundary from income tax.'}, 'taxRate': {'enum': ['20', '40', '45'], 'type': 'string', 'default': '40', 'description': 'Your marginal income tax rate A large payout can push you into a higher band for the year; this applies one rate to the taxable part.'}, 'exGratia': {'type': 'number', 'default': 0, 'minimum': 0, 'description': 'Employer top-up above the statutory minimum (£) An enhanced or ex-gratia payment. Shares the £30,000 exemption with your statutory redundancy pay.'}, 'weeklyPay': {'type': 'number', 'default': 700, 'minimum': 0, 'description': 'Gross weekly pay (£)'}, 'holidayDays': {'type': 'number', 'default': 5, 'maximum': 60, 'minimum': 0, 'description': 'Untaken holiday days owed'}, 'serviceYears': {'type': 'number', 'default': 10, 'maximum': 60, 'minimum': 0, 'description': 'Complete years of service Only full years count for redundancy pay. Under 2 years there is no statutory redundancy — but notice and holiday are still owed.'}, 'noticeTreatment': {'enum': ['pilon', 'worked'], 'type': 'string', 'default': 'pilon', 'description': 'How is your notice being handled? Both are taxed as earnings. Since the 2018 PENP rules, calling a payment "compensation" no longer makes notice tax-free.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'price': {'type': 'number', 'default': 350000, 'minimum': 1, 'description': 'Purchase price (£) The chargeable consideration — normally the agreed purchase price of the property.'}, 'buyerType': {'enum': ['first-time', 'moving', 'additional'], 'type': 'string', 'default': 'moving', 'description': 'Which buyer are you? The decisive input — it selects the whole rate table. "First-time buyer" means ALL purchasers are first-time buyers: never owned (or part-owned) a dwelling ANYWHERE in the world, including inherited property. "Additional dwelling" means you will own 2+ dwellings at completion and are not replacing a main residence you sold. The two are mutually exclusive by definition — a first-time buyer owns nothing, an additional-dwelling buyer already owns.'}, 'nonResident': {'enum': ['no', 'yes'], 'type': 'string', 'default': 'no', 'description': 'Any buyer non-UK-resident? Non-resident for SDLT = present in the UK fewer than 183 days in the 12 months before completion. Adds 2% to every band. On a joint purchase, ANY non-resident buyer makes the whole transaction non-resident.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'age': {'type': 'number', 'default': 45, 'maximum': 100, 'minimum': 16, 'description': 'Your age at the dismissal (relevant) date The multiplier depends on your age DURING each backward-counted year of service, not just today’s age — this is the table walk general AI botches. Use your age on the date your employment ends.'}, 'nation': {'enum': ['gb', 'ni'], 'type': 'string', 'default': 'gb', 'description': 'Where do you work? Northern Ireland sets its own limits — currently HIGHER than Great Britain’s: £783 weekly, £23,490 maximum.'}, 'weeklyPay': {'type': 'number', 'default': 600, 'minimum': 0, 'description': 'Gross weekly pay (£) Before tax. If your pay varies, use the average over the 12 weeks before your notice day. Capped at £751 — high earners all get the same statutory figure.'}, 'serviceYears': {'type': 'number', 'default': 10, 'maximum': 60, 'minimum': 0, 'description': 'Complete years of continuous service Only FULL years count — 9 years 11 months is 9. Under 2 years there is no statutory entitlement; over 20 only the most recent 20 count.'}, 'dismissalDate': {'enum': ['on-after-6-apr-2026', 'before-6-apr-2026'], 'type': 'string', 'default': 'on-after-6-apr-2026', 'description': 'When does (did) your employment end? Picks the statutory limits: £751 weekly / £22,530 max from 6 April 2026, £719 / £21,570 before. The limits re-uprate every April.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'days': {'type': 'number', 'default': 90, 'maximum': 366, 'minimum': 0, 'description': 'Days present in the UK at midnight this tax year Count days you were in the UK at the end of the day (midnight). Enter the count with exceptional-circumstances days (capped at 60) already removed, and exclude pure transit days (arrived one day, left the next, did nothing unrelated to travel).'}, 'tieWork': {'enum': ['no', 'yes'], 'type': 'string', 'default': 'no', 'description': 'Work tie 40 or more days this year (in any pattern) on which you did more than 3 hours of work in the UK.'}, 'tie90Day': {'enum': ['no', 'yes'], 'type': 'string', 'default': 'no', 'description': '90-day tie You spent more than 90 days in the UK in either (or both) of the 2 previous tax years.'}, 'tieFamily': {'enum': ['no', 'yes'], 'type': 'string', 'default': 'no', 'description': 'Family tie A UK-resident spouse/civil partner (or partner you live with) or minor child. A child you saw in the UK on fewer than 61 days is disregarded; a child who is UK-resident only because of full-time education here is also disregarded if they spend fewer than 21 days in the UK outside term time.'}, 'tieCountry': {'enum': ['no', 'yes'], 'type': 'string', 'default': 'no', 'description': 'Country tie (leavers only) The UK is the country where you spent the most midnights this year — a tie for first place that includes the UK counts as met. IGNORED for arrivers: if you answered "No" to prior-years residence above, this input has no effect on the result.'}, 'priorResidence': {'enum': ['leaver', 'arriver'], 'type': 'string', 'default': 'leaver', 'description': 'Were you UK tax resident in any of the 3 prior tax years? The decisive input, and the one everyone omits when they ask "am I resident?". It decides WHICH ties table applies to you and whether two extra rules — the country tie and the deeming rule — exist for you at all. A leaver can be resident at 46 days; an arriver never before 46.'}, 'qualifyingDays': {'type': 'number', 'default': 0, 'maximum': 366, 'minimum': 0, 'description': 'Days present but NOT at midnight (optional) Days you were in the UK at some point but had left before midnight, so they are not in the count above. Only matters for leavers with 3+ ties — the deeming rule adds every such day past the first 30 to the ties-table day count. Most people can leave this at 0.'}, 'automaticUkHome': {'enum': ['no', 'yes'], 'type': 'string', 'default': 'no', 'description': 'Do you meet the UK home test? Yes if you had a UK home you were present in on ≥30 days this year, and there was a window of 91 consecutive days (at least 30 of them falling in this tax year) during which you had no overseas home — or were present in every overseas home you had on fewer than 30 days in the year.'}, 'automaticUkWork': {'enum': ['no', 'yes'], 'type': 'string', 'default': 'no', 'description': 'Did you work full-time in the UK? Yes if over a 365-day period (falling at least partly in this year) more than 75% of your 3-hour-plus workdays were UK workdays, with at least one such UK workday in this tax year and no significant break from UK work.'}, 'tieAccommodation': {'enum': ['no', 'yes'], 'type': 'string', 'default': 'no', 'description': 'Accommodation tie A place to live in the UK available to you for a continuous period of 91+ days, in which you spent at least 1 night this year. If it is the home of a close relative, it only counts if you spent 16+ nights there.'}, 'automaticOverseasWork': {'enum': ['no', 'yes'], 'type': 'string', 'default': 'no', 'description': 'Did you work full-time overseas this year? The statutory test in brief: averaged ≥35 hours/week of overseas work over the year (HMRC applies a precise 5-step hours calculation), no significant break (31+ days without an overseas workday), and fewer than 31 UK workdays of more than 3 hours. Answer yes only if you would clear the full test.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'household': {'enum': ['single25', 'singleU25', 'couple25', 'coupleU25'], 'type': 'string', 'default': 'single25', 'description': 'Your household Sets the standard allowance — the base of your maximum UC award. Couples claim jointly and their earnings are combined.'}, 'hasChildren': {'enum': ['yes', 'no'], 'type': 'string', 'default': 'yes', 'description': 'Children on the claim? The work-allowance gate. Only households responsible for a child OR with limited capability for work (LCW/LCWRA after a Work Capability Assessment) get a work allowance. Answer "yes" if either applies. Everyone else is tapered from the first pound of net earnings.'}, 'extraEarnings': {'type': 'number', 'default': 200, 'minimum': 0, 'description': 'Extra net earnings you are considering (£) The raise, extra shift, or overtime you are weighing — as extra NET (take-home) pay per month. The tool shows how much of it survives the taper.'}, 'otherElements': {'type': 'number', 'default': 0, 'minimum': 0, 'description': 'Other UC elements on your statement (£) Child, housing, disability, and carer elements from your UC statement — add them so the taper math starts from your real maximum award. Left at 0, the tool uses only the standard allowance and will understate your actual payment (though the keep-rate on extra earnings is unaffected while UC stays above £0).'}, 'housingElement': {'enum': ['yes', 'no'], 'type': 'string', 'default': 'yes', 'description': 'Does your UC include a housing element? The hidden switch. If your UC award includes help with housing costs, your work allowance is £427/month; with no housing element it is £710. Check your UC statement, not your tenancy — it is about what is IN the award.'}, 'netMonthlyEarnings': {'type': 'number', 'default': 1200, 'minimum': 0, 'description': 'Your net monthly earnings (take-home) (£) Take-home pay per assessment month — after income tax, National Insurance, AND 100% of your pension contributions. UC tapers NET earnings, not gross: this is the number on your bank statement, and pension contributions reduce it pound-for-pound.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'cac': {'type': 'number', 'default': 400, 'minimum': 0.01, 'description': 'Customer acquisition cost Fully-loaded sales + marketing cost per new customer.'}, 'arpu': {'type': 'number', 'default': 50, 'minimum': 0.01, 'description': 'Revenue per customer / month Average monthly revenue per active customer (ARPU).'}, 'churn': {'type': 'number', 'default': 3, 'maximum': 100, 'minimum': 0.01, 'description': 'Monthly customer churn (%) Share of customers lost per month.'}, 'grossMargin': {'type': 'number', 'default': 80, 'maximum': 100, 'minimum': 1, 'description': 'Gross margin (%)'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'qtyA': {'type': 'number', 'default': 500, 'minimum': 0.001, 'description': 'Option A quantity Any unit — grams, sheets, count — as long as both options use the same one.'}, 'qtyB': {'type': 'number', 'default': 1000, 'minimum': 0.001, 'description': 'Option B quantity'}, 'priceA': {'type': 'number', 'default': 4.99, 'minimum': 0.001, 'description': 'Option A price'}, 'priceB': {'type': 'number', 'default': 8.49, 'minimum': 0.001, 'description': 'Option B price'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'state': {'enum': ['contiguous', 'alaska', 'hawaii'], 'type': 'string', 'default': 'contiguous', 'description': 'Which state Alaska and Hawaii have higher federal poverty guidelines, which shifts every threshold up.'}, 'income': {'type': 'number', 'default': 60000, 'maximum': 1000000, 'minimum': 0, 'description': 'Expected 2026 household income (MAGI) Your best estimate of full-year 2026 household modified AGI — the number the credit is reconciled against at filing, not just what you report at enrollment. A bonus, capital gain, or extra freelance income counts.'}, 'benchmark': {'type': 'number', 'default': 1400, 'maximum': 10000, 'minimum': 0, 'description': 'Benchmark Silver premium (monthly, for your household) The second-lowest-cost Silver plan (SLCSP) for your household — the plan the subsidy is pegged to. Find yours on healthcare.gov’s plan preview or the KFF subsidy calculator; it varies a lot by age and county. The default is a rough mid-range family figure — replace it for an accurate dollar subsidy.'}, 'expansion': {'enum': ['yes', 'no'], 'type': 'string', 'default': 'yes', 'description': 'Did your state expand Medicaid? Decides the bottom end. In expansion states, adults under 138% of poverty get Medicaid instead of a marketplace subsidy. In the 10 non-expansion states, adults below 100% FPL fall into the coverage gap — too rich for Medicaid, too poor for a subsidy. *WI covers adults to 100% FPL by waiver.'}, 'household': {'type': 'number', 'default': 2, 'maximum': 12, 'minimum': 1, 'description': 'People in your tax household You, your spouse if filing jointly, and everyone you claim as a dependent — this sets the poverty line the percentage is measured against.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'state': {'enum': ['no-estate-tax', 'has-estate-tax'], 'type': 'string', 'default': 'no-estate-tax', 'description': 'Does your state levy its own estate tax? WA, OR, MN, IL, MD, MA, RI, CT, VT, NY, ME, HI + DC levy their own estate tax with thresholds far below $15M (Oregon starts at $1M). This tool flags it but computes federal only.'}, 'dsueAmount': {'type': 'number', 'default': 0, 'minimum': 0, 'description': 'DSUE amount from deceased spouse ($) The unused exclusion ported from your deceased spouse (from their Form 706). Only applies with the “surviving spouse with elected DSUE” status above.'}, 'estateValue': {'type': 'number', 'default': 8000000, 'minimum': 0, 'description': 'Gross estate value ($) Everything you own at death — real estate, investments, retirement accounts, business interests, life-insurance proceeds you own. Use today’s value as an estimate.'}, 'maritalStatus': {'enum': ['single', 'widowed-with-DSUE'], 'type': 'string', 'default': 'single', 'description': 'Marital / portability situation DSUE (deceased spousal unused exclusion) only counts if a Form 706 was filed for the deceased spouse to elect portability — it is not automatic.'}, 'lifetimeGiftsUsed': {'type': 'number', 'default': 0, 'minimum': 0, 'description': 'Lifetime taxable gifts already made ($) Cumulative gifts above the annual exclusion ($19,000/recipient in 2026) reported on gift-tax returns. These consume your unified exclusion before death.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'filing': {'enum': ['single', 'hoh', 'mfj'], 'type': 'string', 'default': 'single', 'description': 'Filing status'}, 'salary': {'type': 'number', 'default': 100000, 'maximum': 2000000, 'minimum': 10000, 'description': 'The W-2 salary to match Annual gross salary of the job you have or are comparing against.'}, 'matchPct': {'type': 'number', 'default': 4.7, 'maximum': 15, 'minimum': 0, 'description': 'Employer 401(k) match (%) Percent of salary your employer contributes. Default: the 2025 Vanguard average (4.7%). The freelancer self-funds this to stay even (deductible via a solo 401(k)).'}, 'weeksWorked': {'type': 'number', 'default': 46, 'maximum': 52, 'minimum': 20, 'description': 'Working weeks per year After vacation, holidays, and sick time — which no longer come paid. A W-2 job with ~23 paid days off works ≈47 weeks but is paid for 52.'}, 'hoursPerWeek': {'type': 'number', 'default': 40, 'maximum': 80, 'minimum': 5, 'description': 'Hours worked per week (freelance)'}, 'utilizationPct': {'type': 'number', 'default': 70, 'maximum': 100, 'minimum': 20, 'description': 'Billable share of worked hours (%) The hidden lever. Sales, admin, invoicing, and bench time don’t bill — professional-services benchmark is ~66%; solo practices vary widely.'}, 'employeeHealthCost': {'type': 'number', 'default': 1529, 'maximum': 30000, 'minimum': 0, 'description': 'Your share of health premium as an employee (annual) What comes out of your paycheck for coverage. Default: KFF 2025 average worker contribution for single coverage.'}, 'freelanceHealthCost': {'type': 'number', 'default': 9325, 'maximum': 60000, 'minimum': 0, 'description': 'Full health premium as a freelancer (annual) What you would pay for comparable coverage on your own (marketplace or otherwise). Default: KFF 2025 average single premium. Family coverage runs ~$27,000. Deductible against income tax (not SE tax).'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'bbce': {'enum': ['bbce200', 'std130'], 'type': 'string', 'default': 'bbce200', 'description': 'SNAP gross-income limit in your state Most states raised the SNAP entry limit to 200% FPL via Broad-Based Categorical Eligibility — whether yours did decides where the SNAP door slams. Check your state SNAP page if unsure.'}, 'kids': {'type': 'number', 'default': 2, 'maximum': 8, 'minimum': 0, 'description': 'Qualifying children (under 17) Sets CTC ($2,200 each), the EITC schedule, and household size for SNAP/Medicaid.'}, 'rent': {'type': 'number', 'default': 1200, 'maximum': 10000, 'minimum': 0, 'description': 'Monthly rent / shelter cost Rent plus basic utilities — drives SNAP’s excess-shelter deduction, which changes the benefit materially.'}, 'raise': {'type': 'number', 'default': 5000, 'maximum': 100000, 'minimum': 1, 'description': 'The raise (annual amount) Annual value of the raise, extra hours, or second job you are weighing.'}, 'filing': {'enum': ['single', 'hoh', 'mfj'], 'type': 'string', 'default': 'hoh', 'description': 'Filing status Married filing jointly assumes a 2-adult household; single and head-of-household assume 1 adult.'}, 'income': {'type': 'number', 'default': 32000, 'maximum': 500000, 'minimum': 0, 'description': 'Current annual earned income (household) Gross W-2 wages for the household before tax. This model treats all income as earned.'}, 'premium': {'type': 'number', 'default': 0, 'maximum': 5000, 'minimum': 0, 'description': 'Marketplace benchmark premium (monthly, optional) The second-lowest-cost Silver plan for your household on healthcare.gov. Enter it to model ACA subsidies and the restored 400% FPL cliff; leave 0 to skip health-coverage math.'}, 'expansion': {'enum': ['yes', 'no'], 'type': 'string', 'default': 'yes', 'description': 'Did your state expand Medicaid? The decisive input. In expansion states adults keep Medicaid up to 138% of the poverty line — and lose it in one step above. In the 10 non-expansion states, adults below 100% FPL may get no help at all (the coverage gap). *WI covers adults to 100% FPL by waiver.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'filing': {'enum': ['single', 'hoh', 'mfj'], 'type': 'string', 'default': 'single', 'description': 'Filing status'}, 'w2Wages': {'type': 'number', 'default': 0, 'maximum': 5000000, 'minimum': 0, 'description': 'W-2 wages this year (if side-gigging) Your day-job wages matter twice: they eat the Social Security wage cap first (shrinking your SE tax), and their withholding counts toward the safe harbor.'}, 'seProfit': {'type': 'number', 'default': 60000, 'maximum': 5000000, 'minimum': 0, 'description': 'Expected 2026 self-employment profit Profit, not revenue — revenue minus business expenses. Entering gross revenue here is the most common way freelancers over-pay.'}, 'priorYearTax': {'type': 'number', 'default': 0, 'maximum': 5000000, 'minimum': 0, 'description': 'Total tax on your 2025 return The "total tax" line (line 22-ish) on your 2025 Form 1040. This is the safe-harbor anchor: pay 100% of it (110% if prior AGI > $150k) and you cannot be penalized regardless of what you earn this year — THE thing first-year freelancers don’t know. If you owed $0 in 2025, enter 0.'}, 'w2Withholding': {'type': 'number', 'default': 0, 'maximum': 1000000, 'minimum': 0, 'description': 'Federal income tax withheld at the W-2 job (annual) From your pay stubs — federal income tax only. Withholding is treated as paid evenly across the year, which matters for the safe harbor.'}, 'priorAgiOver150k': {'enum': ['no', 'yes'], 'type': 'string', 'default': 'no', 'description': 'Was your 2025 AGI over $150,000? Over $150,000 ($75,000 married filing separately), the prior-year safe harbor rises from 100% to 110% of last year’s tax.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'agi': {'type': 'number', 'default': 60000, 'maximum': 2000000, 'minimum': 0, 'description': 'Adjusted gross income (AGI) From your latest federal return. Married filing jointly: combined AGI of both spouses. Married filing separately: yours only.'}, 'pslf': {'enum': ['no', 'yes'], 'type': 'string', 'default': 'no', 'description': 'Public Service Loan Forgiveness track? PSLF flips the strategy: forgiveness arrives at 120 qualifying payments and is federally TAX-FREE, so the lowest qualifying payment wins. Both RAP and IBR qualify; the new Tiered Standard plan does not.'}, 'rate': {'type': 'number', 'default': 6.5, 'maximum': 15, 'minimum': 0, 'description': 'Average interest rate (%) Weighted average across your loans.'}, 'state': {'enum': ['contiguous', 'alaska', 'hawaii'], 'type': 'string', 'default': 'contiguous', 'description': 'Where do you live? Alaska and Hawaii have higher poverty guidelines, which lowers IBR payments.'}, 'balance': {'type': 'number', 'default': 38000, 'maximum': 1000000, 'minimum': 0, 'description': 'Total loan balance Outstanding principal. Sets the standard-plan comparator, the IBR payment cap, and the interest math.'}, 'loanType': {'enum': ['regular', 'parentPlus'], 'type': 'string', 'default': 'regular', 'description': 'Loan type Parent PLUS loans are excluded from RAP entirely, and reach IBR only through a consolidation carve-out — the answer changes completely.'}, 'firstLoan': {'enum': ['pre2014', 'mid', 'post2026'], 'type': 'string', 'default': 'mid', 'description': 'When was your FIRST federal loan disbursed? The decisive input. Your first-ever federal disbursement date sets WHICH IBR you get (15%/25yr vs 10%/20yr) — and loans originated from 1 Jul 2026 can’t use IBR at all. Taking any new loan on/after 1 Jul 2026 also ends IBR eligibility for your old loans.'}, 'dependents': {'type': 'number', 'default': 0, 'maximum': 12, 'minimum': 0, 'description': 'Dependents claimed on your return RAP subtracts $50/month per dependent (IRC §152 dependents claimed on your federal return). Not the same thing as family size.'}, 'familySize': {'type': 'number', 'default': 1, 'maximum': 15, 'minimum': 1, 'description': 'Family size You + spouse + dependents — sets the poverty-guideline deduction in IBR.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'status': {'enum': ['none', 'greenCard', 'studentFJMQ', 'teacherJQ'], 'type': 'string', 'default': 'none', 'description': 'US immigration status this year The decisive input, and the one almost nobody knows matters. A green card makes you a resident regardless of days. F/J/M/Q student and J/Q teacher visas can make your days NOT count at all — or, past a limit, suddenly count. Most work and visitor statuses (H-1B, L-1, B1/B2, ESTA) have no special rule: pick the first option.'}, 'daysPrior1': {'type': 'number', 'default': 120, 'maximum': 366, 'minimum': 0, 'description': 'Days in the US in the 1st preceding year Last calendar year’s day count, same counting rules. It is weighted at one-third — prior years are why "under 183 this year" is not safe.'}, 'daysPrior2': {'type': 'number', 'default': 120, 'maximum': 366, 'minimum': 0, 'description': 'Days in the US in the 2nd preceding year The calendar year before that, weighted at one-sixth.'}, 'daysCurrent': {'type': 'number', 'default': 120, 'maximum': 366, 'minimum': 0, 'description': 'Days in the US this calendar year Any part of a day counts as a full day — an evening arrival is a day. But first REMOVE days that never count: regular-commuter days from Canada/Mexico, under-24h transits between two foreign points, days as crew of a foreign vessel, and days you could not leave because of a medical condition that arose in the US.'}, 'exemptYears': {'type': 'number', 'default': 0, 'maximum': 15, 'minimum': 0, 'description': 'Exempt calendar years Only used for student/teacher status; two meanings. Student (F/J/M/Q): the calendar years you have EVER spent as an exempt student, teacher, or trainee — cumulative over your lifetime, any part of a year counts as a full year, and include this year if it applies. Teacher/trainee (J/Q): how many of the 6 PRECEDING calendar years you were exempt.'}, 'closerConnection': {'enum': ['unsure', 'yes', 'no'], 'type': 'string', 'default': 'unsure', 'description': 'Foreign tax home with a closer connection? If the test is met but you spent under 183 actual days, the closer connection exception can still keep you a nonresident: a tax home in a foreign country for the entire year plus a closer connection to it, claimed on a timely Form 8840.'}}, 'additionalProperties': False}

{'type': 'object', 'required': [], 'properties': {'mode': {'enum': ['add', 'remove'], 'type': 'string', 'default': 'add', 'description': 'Direction'}, 'rate': {'type': 'number', 'default': 20, 'maximum': 50, 'minimum': 0, 'description': 'VAT rate (%) UK 20 · DE 19 · FR 20 · ES 21 · IT 22 · NL 21 · SE 25 · CH 8.1 · AE/SA 5/15'}, 'amount': {'type': 'number', 'default': 1000, 'minimum': 0, 'description': 'Amount'}}, 'additionalProperties': False}