# Services from x402toll.com on Zero

> x402toll.com serves 56 paid API services for AI agents, indexed by Zero. Each is callable per call with payment handled by Zero.

Canonical page: https://www.zero.xyz/host/x402toll.com
Live health (JSON, refreshed every minute): https://www.zero.xyz/host/x402toll.com/health.json

## Services

- [x402toll State Income Tax Calculator](https://www.zero.xyz/c/x402toll-state-income-tax-calculator-1893759d/llms.txt): $0.05/call via x402. 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.
- [x402toll.com Relocation Paycheck Report](https://www.zero.xyz/c/x402toll-com-relocation-paycheck-report-32176e96/llms.txt): $1/call via x402. 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.
- [Business Entity Tax Comparison (Sole Prop vs S-Corp vs C-Corp) 2026](https://www.zero.xyz/c/business-entity-tax-comparison-sole-prop-vs-s-corp-vs-c-corp-2026-f0f2979d/llms.txt): $0.1/call via x402. 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.
- [x402toll Break-Even Analysis (CVP)](https://www.zero.xyz/c/x402toll-break-even-analysis-cvp-438383ec/llms.txt): $0.05/call via x402. Calculates break-even units and revenue using cost-volume-profit analysis, showing where contribution margin covers fixed costs.
- [x402toll Margin & Markup Calculator](https://www.zero.xyz/c/x402toll-margin-markup-calculator-4e790d28/llms.txt): $0.02/call via x402. Given a cost and one of price, target margin %, or markup %, computes the remaining pricing metrics including margin, markup, and profit.
- [x402toll.com US Sales Tax Calculator](https://www.zero.xyz/c/x402toll-com-us-sales-tax-calculator-dfcf779a/llms.txt): $0.05/call via x402. 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.
- [x402toll VAT/GST Calculator](https://www.zero.xyz/c/x402toll-vat-gst-calculator-8074fdff/llms.txt): $0.05/call via x402. Adds or removes VAT/GST from a monetary amount using verified 2026 standard tax rates for 16 major economies worldwide.
- [x402toll Crypto Liquidation Price Calculator](https://www.zero.xyz/c/x402toll-crypto-liquidation-price-calculator-979637fc/llms.txt): $0.05/call via x402. Calculates the liquidation price and percentage move to liquidation for a leveraged long or short position using isolated margin.
- [x402toll DTI Calculator](https://www.zero.xyz/c/x402toll-dti-calculator-3e990730/llms.txt): $0.02/call via x402. Calculates front-end and back-end debt-to-income ratios and returns a pass/fail verdict against conventional 28/36 or custom limits.
- [Mortgage Points Break-Even Calculator](https://www.zero.xyz/c/mortgage-points-break-even-calculator-74fc86f1/llms.txt): $0.05/call via x402. 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
- [x402toll.com US Net Paycheck Breakdown](https://www.zero.xyz/c/x402toll-com-us-net-paycheck-breakdown-c6aca876/llms.txt): $0.05/call via x402. Calculates US net take-home pay with itemized federal and state tax withholding for any of 51 jurisdictions using 2026 tax schedules
- [Retirement Readiness Projection](https://www.zero.xyz/c/retirement-readiness-projection-8256b205/llms.txt): $1/call via x402. 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.
- [IRA Contribution Limit Calculator (2026)](https://www.zero.xyz/c/ira-contribution-limit-calculator-2026-ec9ba3cb/llms.txt): $0.05/call via x402. 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.
- [x402toll Bonus & Commission Tax Withholding Calculator](https://www.zero.xyz/c/x402toll-bonus-commission-tax-withholding-calculator-f04aca67/llms.txt): $0.05/call via x402. 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.
- [x402toll Required Minimum Distribution (RMD) Calculator](https://www.zero.xyz/c/x402toll-required-minimum-distribution-rmd-calculator-677255e9/llms.txt): $0.1/call via x402. 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.
- [x402toll.com Quarterly Estimated Tax Safe Harbor Calculator](https://www.zero.xyz/c/x402toll-com-quarterly-estimated-tax-safe-harbor-calculator-5c0acacc/llms.txt): $0.1/call via x402. Computes the IRS Form 1040-ES safe harbor required annual payment and per-quarter estimated tax amount to avoid underpayment penalties.
- [x402toll Federal Income Tax Calculator 2026](https://www.zero.xyz/c/x402toll-federal-income-tax-calculator-2026-3ec9c88f/llms.txt): $0.05/call via x402. 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
- [x402toll True APR Calculator (Reg Z / TILA)](https://www.zero.xyz/c/x402toll-true-apr-calculator-reg-z-tila-536f503f/llms.txt): $0.05/call via x402. Computes the true Annual Percentage Rate (APR) under Regulation Z / TILA from a note rate plus financed fees, revealing the real cost of borrowing.
- [x402toll LLC Formation Cost Calculator](https://www.zero.xyz/c/x402toll-llc-formation-cost-calculator-0a593301/llms.txt): $0.05/call via x402. 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.
- [x402toll Bond Yield Calculator](https://www.zero.xyz/c/x402toll-bond-yield-calculator-a3964623/llms.txt): $0.05/call via x402. 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.
- [x402toll.com Tax Estimate](https://www.zero.xyz/c/x402toll-com-tax-estimate-ed765e66/llms.txt): $1/call via x402. 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.
- [Roth Conversion Tax Cost Calculator](https://www.zero.xyz/c/roth-conversion-tax-cost-calculator-fca02c2a/llms.txt): $0.1/call via x402. 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.
- [x402toll Capital Gains Tax Calculator](https://www.zero.xyz/c/x402toll-capital-gains-tax-calculator-9772dcb6/llms.txt): $0.1/call via x402. 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
- [x402toll Real Estate Cap Rate & Rental Return Calculator](https://www.zero.xyz/c/x402toll-real-estate-cap-rate-rental-return-calculator-0d774092/llms.txt): $0.05/call via x402. 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.
- [S-Corp Reasonable Salary Employment Tax Savings Calculator](https://www.zero.xyz/c/s-corp-reasonable-salary-employment-tax-savings-calculator-2a7c9322/llms.txt): $0.1/call via x402. 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.
- [HSA/FSA 2026 Contribution Limits & Tax Savings Calculator](https://www.zero.xyz/c/hsa-fsa-2026-contribution-limits-tax-savings-calculator-ca9f86b4/llms.txt): $0.05/call via x402. 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
- [Social Security PIA Benefit Estimator (2026 Formula)](https://www.zero.xyz/c/social-security-pia-benefit-estimator-2026-formula-0266c293/llms.txt): $0.25/call via x402. Calculates estimated monthly Social Security retirement benefit using the 2026 PIA bend-point formula, adjusted for claim age between 62 and 70.
- [FLSA Overtime Pay Calculator](https://www.zero.xyz/c/flsa-overtime-pay-calculator-36baa30a/llms.txt): $0.02/call via x402. 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)
- [x402toll Self-Employment Tax Calculator](https://www.zero.xyz/c/x402toll-self-employment-tax-calculator-2ff67b0a/llms.txt): $0.05/call via x402. 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
- [1099 vs W-2 Take-Home Comparison](https://www.zero.xyz/c/1099-vs-w-2-take-home-comparison-ccfa3d0d/llms.txt): $0.1/call via x402. 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.
- [x402toll Loan Offer Comparator](https://www.zero.xyz/c/x402toll-loan-offer-comparator-8b2c8c00/llms.txt): $0.05/call via x402. Compares 2–6 loan offers by true total cost (principal payments + fees) and ranks them from cheapest to most expensive.
- [Marketplace Fee Calculator (Amazon, eBay, Etsy)](https://www.zero.xyz/c/marketplace-fee-calculator-amazon-ebay-etsy-f58428ce/llms.txt): $0.05/call via x402. Calculates seller fees and net payout for a sale on Amazon, eBay, or Etsy using verified 2026 standard fee schedules.
- [x402toll Payment Processor Fee Calculator](https://www.zero.xyz/c/x402toll-payment-processor-fee-calculator-0e335cde/llms.txt): $0.02/call via x402. 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.
- [x402toll ROI & ROAS Calculator](https://www.zero.xyz/c/x402toll-roi-roas-calculator-8181519a/llms.txt): $0.02/call via x402. Computes ROI percentage, ROAS, profit, and profit margin from a revenue figure and a cost (e.g. ad spend).
- [x402toll Impermanent Loss Calculator](https://www.zero.xyz/c/x402toll-impermanent-loss-calculator-a0d74753/llms.txt): $0.05/call via x402. Calculates impermanent loss for a 50/50 constant-product AMM LP position versus simply holding, given initial price, current price, and optional position size.
- [x402toll Crypto Tax-Lot Matching (FIFO/LIFO/HIFO)](https://www.zero.xyz/c/x402toll-crypto-tax-lot-matching-fifo-lifo-hifo-b520fc0b/llms.txt): $0.25/call via x402. 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.
- [x402toll NPV-IRR Calculator](https://www.zero.xyz/c/x402toll-npv-irr-calculator-ab450a65/llms.txt): $0.05/call via x402. 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.
- [Loan Amortization Calculator](https://www.zero.xyz/c/loan-amortization-calculator-431d3b4a/llms.txt): $0.05/call via x402. Computes monthly payment, total interest paid, and a year-by-year balance schedule for any loan given APR, amount, and term.
- [x402toll Extra Payment Loan Calculator](https://www.zero.xyz/c/x402toll-extra-payment-loan-calculator-9a552ee3/llms.txt): $0.05/call via x402. Calculates how much time and interest an extra monthly payment saves on a loan given APR, loan amount, term, and extra payment amount.
- [HELOC Payment Calculator](https://www.zero.xyz/c/heloc-payment-calculator-2f9fe43f/llms.txt): $0.05/call via x402. Computes interest-only payments during the HELOC draw period and amortizing payments when repayment begins, including the payment jump amount.
- [x402toll Mortgage Payment Calculator (PITI)](https://www.zero.xyz/c/x402toll-mortgage-payment-calculator-piti-c58b1a52/llms.txt): $0.05/call via x402. Calculates the full monthly mortgage payment including principal & interest, property tax, insurance, PMI (auto-applied when LTV > 80%), and HOA fees.
- [x402toll Mortgage Refinance Analysis](https://www.zero.xyz/c/x402toll-mortgage-refinance-analysis-9b73d349/llms.txt): $0.05/call via x402. Calculates new monthly payment, monthly savings, break-even months on closing costs, and lifetime interest saved when refinancing a mortgage.
- [Self-Employed Mortgage Affordability Calculator](https://www.zero.xyz/c/self-employed-mortgage-affordability-calculator-7dc664d5/llms.txt): $0.05/call via x402. 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.
- [x402toll Real Estate Affordability Calculator](https://www.zero.xyz/c/x402toll-real-estate-affordability-calculator-8e92a934/llms.txt): $0.05/call via x402. 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.
- [x402toll PMI Calculator](https://www.zero.xyz/c/x402toll-pmi-calculator-ba6f68ff/llms.txt): $0.05/call via x402. Calculates monthly PMI cost and the month PMI auto-cancels at 78% LTV under the Homeowners Protection Act
- [ARM Payment Shock Calculator](https://www.zero.xyz/c/arm-payment-shock-calculator-5bcc7a81/llms.txt): $0.05/call via x402. Calculates adjustable-rate mortgage (ARM) payments before and after the first rate reset, showing the payment increase (payment shock) at adjustment.
- [x402toll Rent vs Buy Break-Even Calculator](https://www.zero.xyz/c/x402toll-rent-vs-buy-break-even-calculator-0aa50664/llms.txt): $0.25/call via x402. 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.
- [x402toll LLC 50-State Cost Ranker](https://www.zero.xyz/c/x402toll-llc-50-state-cost-ranker-fe0576bc/llms.txt): $0.5/call via x402. 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.
- [x402toll Debt Payoff Plan Report (Avalanche vs Snowball)](https://www.zero.xyz/c/x402toll-debt-payoff-plan-report-avalanche-vs-snowball-2ded7b25/llms.txt): $0.25/call via x402. 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.
- [401(k) Contribution Limit & Employer Match Calculator](https://www.zero.xyz/c/401-k-contribution-limit-employer-match-calculator-f326a508/llms.txt): $0.05/call via x402. 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.
- [x402toll Auto Loan Payment Calculator](https://www.zero.xyz/c/x402

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