TrueCalci Computational Agent

Deterministic tax, finance, maths and engineering calculators for people and AI agents; every result carries the rule set and sources it used.

Skills

• Statutory rule pack status
  Lists the official rate tables each calculator uses (free, no credits). Shows the active government rate tables (AY 2025-26, IRS Rev. Proc., HMRC, etc.), hash checksums, and legal enactment citations.
• India TDS (tax deducted at source)
  Calculate statutory Tax Deducted at Source (TDS) under the Indian Income-tax Act, 1961 (AY 2025-26 / FY 2024-25). Supports Section 194C (contractor), 194J (professional/technical fees), 194Q (goods purchase), 194H (commission/brokerage), 194I (rent), higher deduction rate under Section 206AA for missing PAN, and precedence evaluation between 194Q and 206C(1H).
• India TCS (tax collected at source)
  Calculate statutory Tax Collected at Source (TCS) under Section 206C of the Indian Income-tax Act, 1961 (AY 2025-26 / FY 2024-25). Computes liability for Section 206C(1H) sale of goods above ₹50 lakh threshold, scrap sale, timber, alcoholic liquor, minerals, Liberalised Remittance Scheme (LRS), and overseas tour packages, including Section 206CC higher rates.
• India GST (regular scheme: CGST, SGST, IGST)
  Calculate Indian GST on a supply under the regular scheme: CGST + SGST for an intra-state supply, IGST for an inter-state supply, export or SEZ supply, with optional compensation cess, reverse charge and input tax credit eligibility (Sections 9 and 16-17, CGST Act 2017; Section 5, IGST Act 2017). Behavior: Deterministic, idempotent calculation with zero external side effects. The rate must be one notified in the GST rule pack in force on as_of_date; the engine refuses a rate the pack does not contain rather than assume one. Exclusive mode adds tax to the amount; inclusive mode extracts it. Returns taxable value, CGST, SGST, IGST, cess, total tax and invoice total. Usage Guidelines: Use for a registered person under the regular scheme. Do not use for a composition-scheme taxpayer; use gst_composition instead.
• India GST composition scheme
  Calculate statutory GST quarterly tax liabilities under the Composition Scheme (Section 10 of CGST Act). Computes applicable turnover tax for traders (1%), manufacturers (1%), and restaurant service providers (5%), enforcing statutory turnover thresholds.
• India advance tax instalments
  Calculate Indian advance tax instalments and the interest for late or short payment (Sections 234A, 234B and 234C; sections 207-211). Instalment deadlines: 15% by 15 June, 45% by 15 September, 75% by 15 December, 100% by 15 March (presumptive 44AD/44ADA: 100% by 15 March). Pass the payments actually made and the filing date to get the interest; without them every instalment is treated as unpaid.
• India income tax (new vs old regime)
  Compute Indian personal income tax for the tax year in force on as_of_date (Income-tax Act, 2025 from tax year 2026-27; the 1961 Act before), comparing the new regime (standard deduction and Section 87A rebate) with the old regime (Chapter VI-A deductions such as 80C and 80D), and naming the lower one. Pass regime to get only one.
• India Public Provident Fund
  Simulate Public Provident Fund (PPF) 15-year statutory compound wealth accumulation under Ministry of Finance notifications. Enforces ₹1,50,000 annual deposit ceiling, current 7.1% p.a. sovereign interest rate, monthly 5th day balance compounding rules, and Section 80C EEE tax-exempt maturity.
• India Sukanya Samriddhi Yojana
  Simulate Sukanya Samriddhi Yojana (SSY) sovereign small savings scheme for girl child education and marriage under Government of India statutory guidelines. Computes compounding at 8.2% p.a. with 21-year maturity schedule and Section 80C EEE tax exemption.
• Fixed deposit maturity
  Calculate Bank and Corporate Fixed Deposit (FD) maturity amount and interest returns. Computes quarterly, monthly, half-yearly, and cumulative compounding with Section 194A TDS threshold analysis (₹40,000 general / ₹50,000 senior citizens).
• Gold valuation
  Calculate Gold and Silver commodity valuation, hallmarking purity adjustments (24K, 22K, 18K, 14K), statutory GST (3%), making charges, and Indian regional unit conversions (Tola, Sovereign, Sovereign/Pavan, Grams, Troy Ounces).
• US 1099 contractor vs W-2 parity
  Calculate tax liabilities, statutory benefits, and net take-home cash between W-2 salaried employment and 1099 independent contractor billing, solving the exact breakeven billing rate ($/hr). Behavior: Deterministic, idempotent calculation with zero external side effects. Computes federal FICA (Social Security up to statutory wage base and Medicare), federal income tax brackets, state income tax, employer health subsidy, 401(k) match, PTO value, SECA tax with 50% above-the-line deduction, and Section 199A QBI deduction. Returns net spendable cash for both employment models, complete tax breakdowns, effective tax rates, and the exact breakeven hourly rate. Usage Guidelines: Use when an individual or hiring manager is deciding between a W-2 salaried offer and a 1099 contractor contract. Do not use for solo freelancer baseline rate setting without a W-2 benchmark; use billable_floor instead.
• US S-corp payroll tax comparison
  Compute employment taxes with and without an S-Corporation election: reasonable officer salary split, SECA/FICA payroll taxes, the fees entered, and the net difference, under IRS Rev. Rul. 74-44. Computation only; not a recommendation to elect. Behavior: Deterministic, idempotent calculation with zero external side effects. Splits net business profit into W-2 officer wages and Schedule K-1 shareholder distributions. Applies FICA to salary only (exempting distributions), accounts for employer-half FICA deduction, deducts annual CPA corporate filing and payroll processing fees, and computes the mathematical breakeven net profit threshold. Usage Guidelines: Use when a US small business owner, single-member LLC, or high-earning freelancer is considering electing S-Corp status to reduce self-employment taxes. Do not use for retirement account contribution limits; use solo_401k_shield instead.
• US Solo 401(k) contribution
  Compare Solo 401(k) and SEP-IRA contribution limits for the tax year in force on as_of_date, and the income-tax reduction their pre-tax part gives at the marginal rate entered. Behavior: Deterministic, idempotent calculation with zero external side effects. Computes employee elective deferral (up to $23,000 or $30,500 if age 50+) plus employer profit-sharing (20% of adjusted net earnings for LLC/sole prop, 25% of W-2 salary for S-Corp) subject to annual statutory additions cap. Multiplies total deductible contribution by marginal tax rate to return net cash saved. Usage Guidelines: Use when an owner-only business, independent contractor, or partner wants to optimize pre-tax retirement deductions. Do not use for multi-year exponential compound investment growth modeling; use compound_wealth instead.
• FX invoicing and conversion
  Compare the local currency that lands from a USD invoice across the payment providers you name, using each provider's fees as you supply them, against a published reference exchange rate (European Central Bank reference rates, USD base). Behavior: Deterministic, idempotent calculation with zero external side effects. For each rail you give (fixed fee in USD, percentage fee, exchange-rate markup) it computes the net USD after fees, the landed local amount, the total cost and its share of the invoice, ranks the rails, and reports the saving of the best over the worst. TrueCalci does not preset or verify any provider's pricing: providers price per currency route and account, so the fees are yours. Usage Guidelines: Use when a freelancer or vendor invoicing in USD wants to compare payout providers whose fees they know. Do not use for domestic US employee vs contractor parity; use contractor_parity instead.
• Billable rate floor
  Solve the exact minimum billable hourly rate required to achieve a target net spendable cash income, factoring in unpaid weeks, non-billable administrative drag, deductible overhead, health insurance, and SECA self-employment taxes. Behavior: Deterministic, idempotent calculation with zero external side effects. Numerically solves the gross revenue needed so that Gross - Expenses - Health - SECA Tax - Income Tax equals Target Net Cash. Divides required gross revenue by actual billable hours (accounting for vacation weeks and non-billable admin/marketing percentage) to derive the hourly billable floor. Usage Guidelines: Use when a freelancer, consultant, or agency owner wants to set their baseline hourly rate to support their personal lifestyle budget. Do not use when directly benchmarking against a specific W-2 salary offer; use contractor_parity instead.
• US mortgage PITI
  Calculate monthly US mortgage payments broken down into PITI (Principal, Interest, Property Taxes, Homeowners Insurance, and Private Mortgage Insurance) along with full 30-year amortization schedule. Behavior: Deterministic, idempotent calculation with zero external side effects. Computes standard monthly amortization using fixed-rate annuity formula, computes annual property taxes divided by 12, monthly hazard insurance, and conditional PMI (applied automatically if down payment is under 20% until 78% LTV threshold). Returns monthly total, principal/interest component, tax/escrow components, total lifetime interest, and payoff schedule. Usage Guidelines: Use for US residential home purchase financing and refinancing scenarios. Do not use for international reducing-balance loans without escrow/PMI; use home_loan_emi instead.
• VAT and sales tax
  Calculate European Value Added Tax (VAT) and global sales taxes in either Add Mode (Net price to Gross price) or Remove Mode (Gross price to Net price) with statutory rate verification. Behavior: Deterministic, idempotent calculation with zero external side effects. In 'add' mode: Tax = Amount * (Rate / 100), Total = Amount + Tax. In 'remove' mode: Net = Amount / (1 + Rate / 100), Tax = Amount - Net. Returns exact net, tax amount, and gross values rounded to 2 decimal places. Usage Guidelines: Use for e-commerce, international invoicing, retail pricing, and VAT compliance calculations. Do not use for restaurant tipping and bill splits; use tip_splitter instead.
• Compound wealth growth
  Standard precision: this calculator uses ordinary floating-point arithmetic, keeps no dated table of official rates, and has not yet passed our full reference-test suite. Simulate long-term compound interest growth for retirement portfolios, 401(k)s, Roth IRAs, UK ISAs, or European ETF savings plans (Sparplan) with recurring monthly deposits. Behavior: Deterministic, idempotent calculation with zero external side effects. Applies discrete compound interest formula with periodic annuity deposits: Future Value = P*(1 + r/n)^(n*t) + PMT*(((1 + r/n)^(n*t) - 1)/(r/n)). Returns final accumulated balance, total principal contributed, total compound interest earned, and annual wealth progression milestone table. Usage Guidelines: Use for multi-year personal wealth projection and retirement nest-egg simulations. Do not use for Indian mutual fund monthly SIPs with annual step-up; use sip_investment instead.
• SIP investment returns
  Calculate Systematic Investment Plan (SIP) mutual fund maturity wealth with optional annual percentage step-up (top-up) for compounding wealth growth. Behavior: Deterministic, idempotent calculation with zero external side effects. Models monthly SIP compounding using formula FV = P * [((1 + i)^n - 1) / i] * (1 + i). When stepUpPercent > 0, dynamically increases monthly installment each 12-month cycle. Returns maturity amount, total invested capital, total estimated capital gains, and year-by-year accumulation. Usage Guidelines: Use for mutual fund SIP investments, recurring deposits, and goal-based financial planning. Do not use for US 401(k) / Roth IRA compounding with lump sum; use compound_wealth instead.
• Home loan EMI
  Calculate reducing-balance monthly Equated Monthly Installment (EMI), total interest payable, and amortization schedule for home, auto, or personal loans. Behavior: Deterministic, idempotent calculation with zero external side effects. Computes standard monthly EMI formula: E = P * r * (1 + r)^n / ((1 + r)^n - 1), where r = annualRate / 12 / 100. Returns monthly EMI, total payment (principal + interest), total interest percentage, and first-year amortization breakdown. Usage Guidelines: Use for general global reducing-balance loans and consumer debt. Do not use for US residential mortgages requiring property tax, hazard insurance, and PMI escrow; use mortgage_piti instead.
• AI token cost arbitrage
  Calculate multi-provider LLM API inference token costs, prompt caching economics (up to 95% discount), batch API savings (50%), and cross-model cost disparity multipliers across frontier and high-efficiency models (Anthropic Claude, OpenAI GPT, Google Gemini, DeepSeek). Behavior: Deterministic, idempotent calculation with zero external side effects. Models official public provider pricing cards per million input/output tokens. Incorporates prompt cache hit pricing reductions and asynchronous batch API discounts. Evaluates real-time pack age and freshness status (FRESH < 14 days, AGING 14-30 days, STALE > 30 days). Returns comprehensive model cost matrix, cheapest and most expensive model arbitrage analysis, cache savings, and monthly cost projections. Usage Guidelines: Use when budgeting AI agent inference costs, evaluating LLM providers, or deciding whether to implement prompt caching or batch inference. Do not use for cloud network egress; use cloud_egress_finops instead.
• Startup runway and dilution
  Model early-stage startup cash runway calendar exhaustion date, Post-Money SAFE note conversion cap dilution, and Series A unallocated option pool shuffle waterfall. Behavior: Deterministic, idempotent calculation with zero external side effects. Computes net burn = grossBurn - revenue; Runway months = cashOnHand / netBurn. Models post-money SAFE equity percentage = safeInvestment / postMoneyCap. Simulates Series A pre-money option pool expansion (diluting existing holders prior to lead investor entry) and calculates founder post-financing ownership percentage. Usage Guidelines: Use for venture capital fundraising planning, startup cash runway tracking, and cap table dilution modeling. Do not use for discounted cash flow or IRR project appraisal; use npv_irr instead.
• US Foreign Earned Income Exclusion tracker
  Track IRS Form 2555 Foreign Earned Income Exclusion (FEIE) Physical Presence Test eligibility (330 full foreign days in rolling 365 days), statutory exclusion cap ($130,000 for 2025), and US sticky domicile audit risks (CA, NY, VA, SC). Behavior: Deterministic, idempotent calculation with zero external side effects. Evaluates whether daysOutsideUSInRollingPeriod meets the mandatory 330-day threshold. Applies statutory maximum exclusion limit ($126,500 for 2024, $130,000 for 2025), computes tax liability on excess income, and flags aggressive state revenue agency sticky domicile rules. Usage Guidelines: Use for US citizen digital nomads and expats evaluating foreign earned income tax exemptions under IRS Section 911. Do not use for foreign corporate withholding tax; use b2b_withholding_risk instead.
• Cloud egress cost (FinOps)
  Analyze tiered AWS/GCP public cloud internet data transfer egress pricing versus Cloudflare Zero-Egress Bandwidth Alliance and edge caching proxies, quantifying monthly and annual infrastructure cost savings. Behavior: Deterministic, idempotent calculation with zero external side effects. Calculates tiered AWS/GCP egress charges ($0.09/GB for first 10TB, $0.085/GB for next 40TB, $0.07/GB for next 100TB, $0.05/GB beyond). Models edge cache offload reduction and compares against Cloudflare zero-egress routing. Returns monthly and annual gross egress costs, post-cache costs, and total net savings. Usage Guidelines: Use for cloud architecture budgeting, FinOps reviews, and evaluating CDN caching or Cloudflare migration economics. Do not use for LLM token pricing; use ai_token_arbitrage instead.
• NPV and IRR
  Standard precision: this calculator uses ordinary floating-point arithmetic, keeps no dated table of official rates, and has not yet passed our full reference-test suite. Compute Net Present Value (NPV), Internal Rate of Return (IRR) via iterative Newton-Raphson polynomial convergence, and discounted payback period for capital budgeting and investment appraisal. Behavior: Deterministic, idempotent calculation with zero external side effects. Evaluates NPV = -C0 + sum(Ct / (1 + r)^t). Computes exact IRR by finding the discount rate where NPV equals zero using up to 100 Newton-Raphson iterations with tolerance 1e-7. Returns NPV, IRR percentage, profitability index (PI), and payback period in periods/years. Usage Guidelines: Use for evaluating capital investments, M&A valuations, corporate projects, and multi-year cash flow hurdle rates. Do not use for simple compound interest projections with fixed monthly deposits; use compound_wealth instead.
• CAGR and inflation adjustment
  Calculate Compound Annual Growth Rate (CAGR), real inflation-adjusted purchasing power growth (Fisher equation), and exact investment doubling time (Rule of 72 exact logarithmic solution). Behavior: Deterministic, idempotent calculation with zero external side effects. Computes Nominal CAGR = (finalValue / initialValue)^(1 / periodsYears) - 1. Computes Real CAGR using the exact Fisher relation: (1 + Nominal) / (1 + Inflation) - 1. Computes exact doubling horizon = ln(2) / ln(1 + Nominal). Returns nominal CAGR %, real CAGR %, total nominal gain, total real purchasing power gain, and doubling years. Usage Guidelines: Use for evaluating historical investment portfolio track records, business revenue growth metrics, and inflation drag analysis. Do not use for forward-looking recurring monthly investment projections; use compound_wealth or sip_investment instead.
• Break-even and margin
  Standard precision: this calculator uses ordinary floating-point arithmetic, keeps no dated table of official rates, and has not yet passed our full reference-test suite. Calculate cost-volume-profit break-even thresholds in units and revenue, contribution margin ratio, operational margin of safety, and degree of operating leverage (DOL). Behavior: Deterministic, idempotent calculation with zero external side effects. Computes Unit Contribution Margin = unitPrice - unitVariableCost; Contribution Margin Ratio = CM / unitPrice; Break-Even Units = fixedCosts / CM; Break-Even Revenue = Break-Even Units * unitPrice. If expected units sold is provided, computes Margin of Safety = (expectedUnits - breakEvenUnits) / expectedUnits and Degree of Operating Leverage. Returns detailed breakdown. Usage Guidelines: Use for pricing strategy, manufacturing and SaaS unit economics, and operational risk appraisal. Do not use for hourly freelance billing rate minimums; use billable_floor instead.
• Land area unit conversion
  Convert Indian regional and universal land measurement units under the Legal Metrology Act, 2009 and State Land Revenue Codes (UP, Punjab, Haryana, West Bengal, Gujarat, Bihar, Assam, HP, MP, Rajasthan). Behavior: Deterministic, idempotent conversion that requires the state for regional units (Bigha, Katha, Biswa, etc.), because their size differs by state, and refuses rather than guesses. Universal units (sqft, sqm, gaj/sqyd, acre, hectare, guntha, cent, ground, ankanam) resolve nationally. Returns target converted value, square foot baseline, and complete 7-unit standard breakdown. Usage Guidelines: Specify 'state' when converting traditional units (e.g. 'bigha' or 'katha') to avoid ambiguous multi-fold variance.

How to call

https://truecalci.com/api/v1/mcp

Listed in

Directories this entry was found in.