56 Services from x402toll.com

Calculates 2026 state income tax liability for any of the 51 US jurisdictions (50 states + DC) given income and filing status, applying the correct progressive, flat, or no-tax schedule.

Ranks all 51 US jurisdictions by net take-home pay for a given salary, filing status, and pay frequency, with per-state tax detail and best-to-worst annual spread.

Calculates and ranks total 2026 federal tax burden across sole proprietor/LLC, S-corp, and C-corp structures for the same business profit, including SE tax, FICA, and corporate double taxation.

Calculates break-even units and revenue using cost-volume-profit analysis, showing where contribution margin covers fixed costs.

Given a cost and one of price, target margin %, or markup %, computes the remaining pricing metrics including margin, markup, and profit.

Adds or removes US sales tax from a dollar amount using verified 2026 state base rates for any US state or DC, with optional local rate support and flags for gross-receipts and local-only states.

Adds or removes VAT/GST from a monetary amount using verified 2026 standard tax rates for 16 major economies worldwide.

Calculates the liquidation price and percentage move to liquidation for a leveraged long or short position using isolated margin.

Calculates front-end and back-end debt-to-income ratios and returns a pass/fail verdict against conventional 28/36 or custom limits.

Calculates whether buying discount points is worthwhile by computing monthly payment savings from a rate buydown and the break-even month when upfront cost is recovered

Calculates US net take-home pay with itemized federal and state tax withholding for any of 51 jurisdictions using 2026 tax schedules

Projects retirement savings growth, calculates the nest egg required by the 4% rule for a target income, and shows the surplus or gap plus extra monthly savings needed to close it.

Returns the 2026 IRA and Roth IRA contribution limits for a specific taxpayer, including Roth MAGI phase-out and traditional IRA deduction phase-out based on age, income, filing status, and employer plan coverage.

Calculates federal supplemental-wage withholding (22% flat or 37% over $1M), FICA, and optional state tax on a bonus or commission to show net take-home pay.

Calculates the IRS Required Minimum Distribution amount from a traditional IRA or 401(k) using the Uniform Lifetime Table for a given age and prior year-end account balance.

Computes the IRS Form 1040-ES safe harbor required annual payment and per-quarter estimated tax amount to avoid underpayment penalties.

Calculates 2026 US federal income tax liability from gross income, above-the-line adjustments, standard or itemized deductions, filing status, and a flat nonrefundable credit amount

Computes the true Annual Percentage Rate (APR) under Regulation Z / TILA from a note rate plus financed fees, revealing the real cost of borrowing.

Returns Year-1 and 5-year total LLC formation costs for any US state or DC, including filing fees, annual/biennial report fees, franchise taxes, and publication requirements, sourced from 2026 official state fee schedules.

Calculates current yield and yield-to-maturity for a bond given face value, coupon rate, market price, and maturity, and classifies it as trading at a premium, discount, or par.

Calculates a comprehensive 2026 US tax estimate in one call, covering federal income tax, self-employment tax, employee FICA, and state income tax, with full component breakdown, effective/marginal rates, and after-tax income.

Calculates the incremental federal income tax cost of converting a given amount to a Roth IRA in a single year, showing marginal rates before and after the conversion.

Calculates US federal capital gains tax using 2026 long-term bracket stacking (0%/15%/20%), short-term ordinary rates, and the 3.8% Net Investment Income Tax

Computes key rental property return metrics — cap rate, cash-on-cash return, gross rent multiplier, and the 1% rule — given purchase price, rent, expenses, and optional financing details.

Calculates how much self-employment/FICA tax an S-corp owner saves by splitting business profit into a reasonable salary and a tax-exempt distribution, versus paying SE tax on all profit as a sole proprietor.

Returns 2026 HSA or health-FSA contribution limits (including catch-up and HDHP bounds) and estimates income-tax savings based on marginal rate and contribution amount

Calculates estimated monthly Social Security retirement benefit using the 2026 PIA bend-point formula, adjusted for claim age between 62 and 70.

Calculates regular pay, overtime pay, and gross weekly pay based on hourly rate and hours worked using FLSA 1.5× overtime rules (configurable threshold and multiplier)

Calculates US self-employment tax on Schedule C net profit, including Social Security (up to 2026 $184,500 wage base), Medicare, Additional Medicare, and the deductible half

Compares net take-home pay between a W-2 employee and a 1099 contractor at the same gross pay, showing self-employment tax vs FICA, the half-SE deduction, and the contractor rate needed to break even.

Compares 2–6 loan offers by true total cost (principal payments + fees) and ranks them from cheapest to most expensive.

Calculates seller fees and net payout for a sale on Amazon, eBay, or Etsy using verified 2026 standard fee schedules.

Calculates payment-processor fees and net received for Stripe, PayPal, and Square at 2026 US standard rates, or reverse gross-ups a target net amount to find what to charge.

Computes ROI percentage, ROAS, profit, and profit margin from a revenue figure and a cost (e.g. ad spend).

Calculates impermanent loss for a 50/50 constant-product AMM LP position versus simply holding, given initial price, current price, and optional position size.

Matches a crypto sale against buy lots using FIFO, LIFO, or HIFO, returning realized short-term and long-term gain/loss per IRS rules plus remaining lots.

Computes net present value (NPV), internal rate of return (IRR), profitability index, and accept/reject decision for a series of cash flows at a given discount rate.

Computes monthly payment, total interest paid, and a year-by-year balance schedule for any loan given APR, amount, and term.

Calculates how much time and interest an extra monthly payment saves on a loan given APR, loan amount, term, and extra payment amount.

Computes interest-only payments during the HELOC draw period and amortizing payments when repayment begins, including the payment jump amount.

Calculates the full monthly mortgage payment including principal & interest, property tax, insurance, PMI (auto-applied when LTV > 80%), and HOA fees.

Calculates new monthly payment, monthly savings, break-even months on closing costs, and lifetime interest saved when refinancing a mortgage.

Calculates maximum home purchase price for self-employed borrowers using 2-year income averaging, add-backs, declining-income rules, front/back DTI limits, and PMI-aware computation.

Calculates the maximum home price a W-2 buyer can afford based on gross income, debts, DTI limits, down payment, and PMI-aware mortgage math.

Calculates monthly PMI cost and the month PMI auto-cancels at 78% LTV under the Homeowners Protection Act

Calculates adjustable-rate mortgage (ARM) payments before and after the first rate reset, showing the payment increase (payment shock) at adjustment.

Computes year-by-year renting cost vs net cost of owning including equity, appreciation, and selling costs, identifying the break-even year at which buying becomes cheaper than renting.

Returns all 51 US jurisdictions ranked by true 5-year LLC cost, covering filing fees, annual reports, franchise taxes, and publication requirements with per-state notes.

Simulates debt payoff month-by-month using both avalanche and snowball strategies, returning payoff order, debt-free month, total interest, and the gap between strategies.

Validates a 401(k) contribution against 2026 IRS limits (including age 50+ and age 60–63 catch-up provisions) and calculates total employer match, capped at the §415(c) combined limit.

Calculates monthly auto loan payments including state sales tax (2026 verified rates), trade-in credit, down payment, fees, and APR amortization.

Converts between APR and APY at any compounding frequency, including periodic and continuous compounding.

Computes the final order total from subtotal, optional discount (percent or amount), tax rate, and shipping, with configurable tax-on-shipping behavior.

Ranks up to 10 stablecoin or yield-bearing options by projected return over a specified time horizon given each option's APY.

Calculates the final sale price after applying one or more sequential percentage discounts plus an optional flat amount off the original price.

Calculates tip amount, total bill with tip, and per-person share for a restaurant check given bill amount, tip percentage, and number of diners.