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검사 2/3 통과 · 내가 묻는 내용은 제작자 서버(xearno.tools)를 거쳐요 · ✓ 명령 확인 2026년 11월 13일

claude mcp add --transport http --scope user calculators https://xearno.tools/mcp

{
  "mcpServers": {
    "calculators": {
      "url": "https://xearno.tools/mcp"
    }
  }
}

{
  "servers": {
    "calculators": {
      "type": "http",
      "url": "https://xearno.tools/mcp"
    }
  }
}

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이 서버의 연결 방식과 각 앱의 공식 문서를 바탕으로 했어요. 2026년 11월 10일 확인.

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할 수 있는 일

도구 이름과 설명은 서버가 2026년 11월 11일에 알려 준 그대로예요. 우리가 아니라 제작자가 쓴 글이고, 일반 텍스트로만 보여 드려요.

• income_tax

  Personal income tax for 24 countries/jurisdictions using current official progressive brackets: tax owed, effective rate, marginal rate, take-home pay. Countries: usa, uk, china, japan, germany, france, canada, australia, india, taiwan, south-korea, vietnam, thailand, indonesia,

• us_aca_subsidy_cliff

  Where your 2026 marketplace subsidy sits against the restored 400%-of-poverty cliff — and the clawback risk if income crosses it. For 2026 the enhanced ACA premium tax credits have expired, and the pre-2021 structure is back: below 400% of the federal poverty line your premium is

• us_student_loan_rap_vs_ibr

  Your monthly payment and forgiveness timeline under RAP vs IBR — the choice SAVE borrowers are being forced to make. SAVE is dead (vacated, then repealed by the July 2025 law) and the Repayment Assistance Plan (RAP) went live 1 July 2026; PAYE, ICR, and SAVE all end 1 July 2028,

• uk_statutory_redundancy_pay

  How much redundancy pay you’re owed — from your age, your years of service and your weekly pay, on the 2026 limits. Redundancy pay in the UK has a formula, and it is stranger than most people expect. Your years of service are weighted by how old you were during each of them — a y

• uk_notice_pay

  How many weeks’ notice you’re owed, what it pays, and how much of it is taxed. Your employer owes you notice when they end your job: one week if you have been there under two years, then one week for every full year, up to twelve. This works out your weeks and what they pay — and

• netherlands_30_percent_ruling

  Whether you qualify for the Dutch 30% ruling, how much of your salary comes tax-free, and what changes when it drops to 27%. Whether the Dutch 30% ruling is worth 30% to you or 27% depends on one thing: the year it was first granted. Granted in 2023 or earlier and it stays at 30%

• portugal_ifici_nhr_checker

  Whether you qualify for Portugal’s IFICI — the activity-gated successor to the NHR regime that closed in 2024. Checks your eligibility for Portugal’s IFICI (Incentivo Fiscal à Investigação Científica e Inovação, widely called "NHR 2.0"): 20% flat tax on eligible-activity Portugue

• thailand_social_security

  Your monthly SSO contribution under the 2026 ceiling rise — the ฿15,000 cap stood for 30 years, so the old ฿750 answer is everywhere and wrong. Computes your Thai Social Security Office (SSO) contribution for Section 33 (employees), Section 39 (voluntary ex-employees), or Section

• uk_statutory_residence_test

  Whether you are UK tax resident this year — the full statutory test, not the 183-day myth. Runs the full UK Statutory Residence Test (FA 2013 Sch 45): automatic overseas tests, automatic UK tests, then the sufficient-ties tables. The 183-day figure everyone (and general AI) ancho

• us_substantial_presence_test

  Whether your US days make you a tax resident — the weighted 3-year formula where 122 days a year is enough, and student-visa days may not count at all. Determines US tax residency under the Substantial Presence Test (IRC §7701(b)): 31+ days this year AND a weighted total ≥ 183, c

• ny_statutory_residence_checker

  Whether New York can tax you as a resident under the two-prong statutory test — the abode gate people miss, plus the 183-day count where any part of a day counts. For taxpayers NOT domiciled in New York: applies the deterministic statutory-residence test of NY Tax Law §605(b)(1)(

• uk_stamp_duty_sdlt

  What stamp duty you’ll pay on a house in England or Northern Ireland — including first-time buyer relief and the extra on a second home. Stamp duty is not one number attached to a price. Four things can apply at once: the standard bands, first-time buyer relief that takes you to

• singapore_property_stamp_duty

  Buyer’s, Additional Buyer’s, and Seller’s Stamp Duty at the current IRAS rates — including the 60% foreigner ABSD and the 2025 four-year SSD. Computes Singapore residential stamp duty at the rates actually in force: BSD on the marginal bands up to 6%, ABSD by your exact buyer pro

• us_raise_benefits_cliff

  What a raise really adds after EITC, CTC, SNAP, Medicaid, and ACA subsidies move against it — the effective marginal rate no single program shows. For working households on any support program, a raise triggers five simultaneous countercurrents: federal tax and FICA go up, EITC p

• income_tax_hong_kong

  What your Hong Kong salary actually costs you in tax this year, after allowances — and whether the standard rate caps the bill. Hong Kong does not tax salaries with a bracket table. It runs two calculations and charges you the lower one: progressive rates of 2% to 17% on what rem

• hong_kong_profits_tax

  Hong Kong profits tax at 8.25%/16.5% for corporations or 7.5%/15% for unincorporated businesses, with the connected-entity election. Hong Kong does not simply charge every company 16.5%. An eligible corporation pays 8.25% on the first HK$2 million of assessable profits and 16.5%

• income_tax_singapore

  YA 2026 Singapore tax for residents, non-resident employees, and non-resident directors — including personal reliefs. Singapore tax depends first on residency. Residents use progressive rates up to 24% after eligible personal reliefs; non-resident employees pay the higher of 15%

• income_tax_netherlands

  2026 Dutch Box 1 salary tax after the general tax credit and employment tax credit — the two amounts generic calculators miss. Dutch headline rates are not the final bill. For employees below AOW age, 2026 Box 1 rates include national insurance, then the algemene heffingskorting

• china_severance

  Statutory severance under China’s Labour Contract Law — the N / N+1 / 2N branch and the 3×-average-wage cap, done right. Computes statutory economic compensation (经济补偿金) on leaving a job in China: the base N (one month per year of service, with the ≥6-month rounding), whether it

• china_retirement_pension

  Your exact retirement date under China’s 2025 delayed-retirement reform, plus an estimated monthly pension. Computes your statutory retirement age and date under China’s 2025 progressive delayed-retirement reform (渐进式延迟法定退休年龄) — which staggers the age by birth month, gender, and

• australia_hecs_help_repayment

  Your compulsory HELP repayment under the new marginal system, what indexation adds each 1 June, and how the 20% cut and old rules compare. Computes your compulsory HECS-HELP repayment under Australia’s reformed 2025-26 system — a marginal calculation (nil to $67,000, then 15% and

• uk_capital_gains_tax

  Capital Gains Tax on shares, crypto, property, or a business sale — current £3,000 allowance, the 18%/24% rate split driven by your income, and the BADR 14% → 18% ramp. Computes UK Capital Gains Tax on a disposal using the current rules: the £3,000 annual exempt amount, the 18%/2

• india_gratuity

  Statutory gratuity under the new Labour Codes — the 50% wage floor and the 1-year fixed-term gate that the old answer misses. Computes statutory gratuity under India’s Code on Social Security 2020, in force since 21 Nov 2025 (general AI often still says the Labour Codes are pendi

• creator_platform_payout

  What you actually net on YouTube, Twitch, Patreon, Substack, or OnlyFans — after the platform cut AND the processing layer nobody advertises. Computes a creator’s real monthly payout after every fee layer on five platforms. Platform fees drift constantly and general AI quotes sta

• us_freelance_vs_employee

  The 1099 rate that truly replaces a W-2 salary — solved from taxes, benefits, and billable reality, not a folk multiplier. Rules of thumb ("charge 1.5× your salary hourly") hide what actually changes when you go independent: you pay both halves of Social Security and Medicare, bu

• us_self_employment_quarterly_taxes

  How much you’ll owe on 2026 freelance income — SE tax, income tax, QBI — and the exact quarterly payment the safe-harbor rules actually require. The first-year freelancer’s tax planner. Computes your 2026 self-employment tax (both halves of Social Security and Medicare — includin

• uk_first_year_self_assessment

  Your real first-January Self Assessment bill — the year’s tax PLUS 50% of next year’s, due the same day — with the exact dated payment schedule. Computes a UK sole trader’s 2025-26 Self Assessment bill (income tax stacked on top of any PAYE income, plus Class 4 National Insurance

• singapore_platform_worker_cpf

  Your monthly CPF deduction and operator top-up as a ride-hail or delivery platform worker — by birth cohort, vehicle, and the 2025–2029 rate ramp. Computes platform-worker CPF under Singapore’s Platform Workers Act (in force 1 Jan 2025) — a regime new enough that general AI eithe

• compound_growth

  What a starting amount plus monthly contributions grows into over time. Projects the future value of a lump sum plus recurring monthly contributions at a given annual return, compounded monthly. Splits the outcome into what you put in versus what compounding earned, and sanity-ch

• savings_goal

  The monthly saving needed to hit a target by a deadline. Given a target amount, what you already have, a time horizon, and an expected return, computes the required monthly contribution — and shows what waiting a year would cost you.

• loan_payment

  Monthly payment, total interest, and what paying extra saves. Standard amortized loan math: monthly payment, total cost, interest as a share of principal — plus a concrete extra-payment scenario showing time and interest saved.

• fire_number

  The portfolio that makes work optional, and how far away it is. Computes your financial-independence target from annual spending and a safe withdrawal rate, then projects how many years your current savings and monthly contributions take to reach it.

• split_bill

  Even split with tip, rounded so nobody argues. Splits a bill evenly across people with an optional tip, and shows the clean rounded amount plus who covers the remainder.

• unit_price

  Which package is actually cheaper per unit. Compares two package options by price per unit and quantifies the savings — the supermarket-shelf math, done honestly.

• true_hourly_wage

  What a gig actually pays per hour — after vehicle costs, waiting time, and self-employment tax. Turns gross gig or side-hustle earnings into the real hourly wage: counting every hour worked (including waiting and driving between jobs), the full per-mile cost of the vehicle (not j

• steady_paycheck

  Turn an up-and-down income into a safe monthly salary and a right-sized buffer. For freelancers, tipped workers, sellers, and seasonal earners: paste your last months of income and get the salary you can safely pay yourself, how big a buffer your actual swings require, and which

• quit_runway

  How long your savings last after leaving a job — and whether new income overtakes costs before they run out. The personal version of a startup runway: savings, a quit-mode budget, the costs your employer was quietly covering (health insurance above all), and the income you’d be g

• china_income_tax_salary

  Your real China take-home month by month — under the cumulative method, where the same salary is taxed more each month as the year goes on. Computes monthly and annual individual income tax (IIT) on a China salary using the actual cumulative withholding method (累计预扣预缴法). Because

• china_social_insurance

  How much 五险一金 comes out of a China salary each month, and what it costs the employer on top. 五险一金 is not a percentage of this month’s pay, which is the assumption almost every calculator makes. Contributions are charged on a contribution base — your average monthly wage across th

• uk_redundancy_package

  Redundancy pay, notice and untaken holiday together — and which parts of it the £30,000 exemption does not cover. Being made redundant pays you three different things, taxed three different ways, and the letter usually quotes only the first. Statutory redundancy pay is tax-free,

• us_estate_tax_exemption

  Whether your estate owes federal estate tax under the permanent $15M exclusion — and what the “2026 sunset” answer would have wrongly told you. Computes federal estate-tax exposure under the 2026 rules: a flat $15,000,000 basic exclusion per person, made PERMANENT by OBBBA §70106

• uk_car_tax_ved

  What you’ll pay to tax your car this year — the first-year bill on a new one, the £200 everyone pays after that, and the £440 surcharge on pricier cars. Car tax arrives as two very different bills. The first year is a one-off charge set by the car’s CO2, running from a few hundre

• mexico_vacaciones_aguinaldo

  Your legal vacation days under the 2023 Vacaciones Dignas reform, plus the prima vacacional and year-end aguinaldo in pesos. Computes your statutory vacation days under Mexico’s Vacaciones Dignas reform (LFT Art. 76, in force 1 Jan 2023), the 25% prima vacacional (Art. 80), and t

• saudi_end_of_service

  Your end-of-service award under Saudi Labor Law Arts. 84–87 — the resignation ladder and the wage base, done right for KSA (not the UAE). Computes the end-of-service award (EOSB, مكافأة نهاية الخدمة) under Saudi Labor Law: the Art. 84 base (half a month per year for the first fiv

• germany_elterngeld

  Your monthly Elterngeld under current BEEG law — the exact three-segment replacement rate, the €300–€1,800 clamp, and the cohort income caps (€175k / €200k / €300k) that changed twice in twelve months. Computes German parental allowance (Elterngeld): the eligibility income cap th

• uk_child_benefit_charge

  How much of your child benefit the £60k–£80k charge claws back — and the exact pension contribution that makes it disappear. Computes the High Income Child Benefit Charge on the higher earner’s adjusted net income (ANI): 1% of the household’s child benefit per £200 of ANI above £

• uk_universal_credit_taper

  What an extra shift or pay rise really leaves you on Universal Credit — the 55% taper, the work allowance you may not have, and the pension trick. Computes your Universal Credit payment at your current net earnings and at your earnings plus the raise or extra shift you are weighi

• uae_gratuity

  Your end-of-service gratuity under Decree-Law 33/2021 Art. 51 — basic wage, no resignation penalty — plus the savings-scheme comparison. Computes the end-of-service gratuity (مكافأة نهاية الخدمة) under UAE Decree-Law 33/2021: 21 days of basic wage per year for the first five year

• app_store_developer_fees

  What your app or game actually nets after Apple’s, Google’s, or Valve’s cut — including the 30 Jun 2026 Google Play restructure no AI model has memorized. Computes a developer’s real take-home on the App Store, Google Play, or Steam. General AI gets this wrong three ways. First,

• korea_parental_leave_benefit

  Your monthly 육아휴직급여 under the 2025 reform — 100%/100%/80% with caps ₩2.5M/₩2.0M/₩1.6M, the 6+6 ladder to ₩4.5M, and the 25% withholding that no longer exists. Computes South Korean parental-leave benefit (육아휴직급여) under the rules in force since 1 January 2025: months 1–3 at 100% o

• france_conges_arret_maladie

  How many congés payés your sick-leave months actually earn under the April 2024 law — the opposite of what most of the internet still says. Computes the paid-holiday days (congés payés) you acquire in a reference period (1 June – 31 May) that includes sick leave, under France’s A

• japan_childcare_leave_benefit

  Your childcare-leave money under the April-2025 framework: 67% (then 50%) of daily wage, plus the new +13% top-up that lifts the first 28 days to 80% gross — with the exact caps valid 1 Aug 2026 – 31 Jul 2027. Computes Japanese childcare-leave benefits: the base 育児休業給付金 (67% of y

• apr_to_apy

  Nominal vs effective rates — what a quoted APR really costs at your compounding frequency. Converts between nominal APR and effective APY at any compounding frequency. This is the difference between what a rate is called and what it actually does to your balance.

• price_in_hours

  What a price really costs you: hours of your own work, at your take-home pay. Converts any price — a purchase or a subscription — into the hours and workdays of your own labor it consumes, using take-home pay rather than gross (you buy things with net money). For recurring costs

• mortgage

  True monthly cost — principal & interest plus taxes, insurance, and PMI, not just the loan. Monthly mortgage payment from price, down payment, rate, and term — including the parts lender ads leave out: property tax, home insurance, and PMI when the down payment is under 20%. The

• car_loan

  What a car actually costs you a month — priced for your market, where tax may or may not already be in the sticker. A car payment depends on something most calculators quietly assume: whether tax is added at purchase or already sitting in the advertised price. In the US, Canada a

• emi

  Loan EMI, total interest, and the flat-rate trap that makes 10% cost like 18%. Equated Monthly Instalment for any loan — home, car, personal — with total interest over the tenure and the one warning every borrower comparing offers needs: flat rate and reducing-balance rate are no

• sip

  Systematic Investment Plan returns — with optional annual step-up, honestly assumed. Projects a monthly SIP (systematic investment plan) to its future corpus, splits invested amount from gains, and supports the annual step-up that matches how salaries actually grow.

• credit_card_payoff

  How long your balance really takes to clear — and the minimum-payment trap in numbers. Months and total interest to pay off a credit card balance at your APR and monthly payment, with the concrete payoff acceleration from paying more — the math credit card statements are legally

• home_affordability

  How much house you can afford — on the rule your lender actually uses, which differs between the US and the UK. Two countries give entirely different answers on the same income. US lenders underwrite on debt-to-income ratios — 28% of gross income on housing, 36% on all debt — whi

기본 점검i

누구나 볼 수 있는 정보를 점검했고, 코드는 읽지 않았어요. 해당하지 않는 항목은 개수에서 뺐어요. · 2026년 11월 16일 점검

• ! 주의

  제작자와 저장소 일치

  레지스트리에 소스 저장소가 없어서, 게시자(xearno.tools)와 코드를 맞춰 볼 수 없어요

• … 아직 점검 안 함

  계속 관리되고 있음

  아직 GitHub에서 이 저장소를 읽어 오지 않았어요

• … 아직 점검 안 함

  라이선스 있음

  아직 GitHub에서 이 저장소를 읽어 오지 않았어요

• ✓ 통과

  엔드포인트 응답

  997ms 만에 응답(HTTP 200)

• – 해당 없음

  OAuth로 로그인

  로그인 필요 없음

• ✓ 통과

  도구 설명에 숨겨진 지시 없음

  도구 설명 60개를 읽었고, AI에게 보내는 숨겨진 지시는 없었어요

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회계, 재무 및 세금 카테고리의 다른 서버와 비교i

• 이 카테고리의 다른 서버 3268개 중 0%보다 스타가 많아요
• 이 카테고리의 다른 서버 3268개 중 19%보다 최근에 레지스트리에 공개됐어요
• 기본 점검 결과가 이 카테고리의 다른 서버 3268개 중 52%와 같거나 더 좋아요

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