Xearno Tools is an MCP server with 72 tools an agent can call, among them app_store_developer_fees, apr_to_apy, australia_hecs_help_repayment. It answers at https://xearno.tools/mcp over streamable HTTP, and it listed its tools to an anonymous client, so no sign-in was needed for that. Our probes reached it 6 of 6 times since 12 September 2026; the last check, on 24 October 2026, succeeded.
Money, tax & business calculators kept current with 2026 rules — plus operator insights.
Description as the publisher wrote it.
| Tool | What it does |
|---|---|
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. Genera Inputs: platform, annualRevenue, revenueType, appleSbp, googleRegion, googleCohort |
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 actuall Inputs: mode, rate, periods |
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 c Inputs: incomeYear, repaymentIncome, balance, hadDebtJun2025 |
break_even | Units and revenue needed to cover costs — and how much pricing moves it. Classic cost-volume-profit analysis: contribution margin, break-even units and revenue, margin of safety if you supply current volume, and the leverage a price change Inputs: fixedCosts, price, variableCost, currentUnits |
cagr | Compound annual growth rate — the honest average that volatile returns hide behind. CAGR between a start and end value over a period, plus the reverse projection — and why CAGR beats "average return" for judging any investment or revenue hi Inputs: startValue, endValue, years |
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 t Inputs: market, vehicleType, price, down, tradeIn, salesTax |
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 cumulativ Inputs: monthlyGross, socialInsurance, specialDeductions |
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 stagg Inputs: birthYear, birthMonth, track, mode, city, avgWage |
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, Inputs: reason, monthlyWage, serviceYears, serviceMonths, city, localAvgWage |
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 ba Inputs: gross, city, baseFloor, baseCeiling, employeeSocialRate, employerSocialRate |
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 versu Inputs: principal, monthly, rate, years |
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 dr Inputs: platform, monthlyGross, youtubeStream, twitchSplit, patreonPlan, avgTransaction |
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 Inputs: balance, apr, payment |
currency | Convert between 31 currencies at the official ECB reference rate — and know what your bank adds on top. Converts any amount between 31 major currencies using the European Central Bank daily reference rate — the neutral mid-market rate — and Inputs: amount, from, to |
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: fl Inputs: principal, rate, months |
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 Inputs: expenses, swr, current, monthly, rate |
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) th Inputs: absenceType, sickMonths, workedMonths, convention |
freelance_rate | The hourly rate that actually pays your target income — after unbillable time, overhead, and tax. Works backward from target income to the rate you must charge: subtracting non-billable time, business overhead, time off, and the self-employ Inputs: targetIncome, billableHours, weeksOff, overhead, taxBuffer |
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 (El Inputs: birthCohort, household, taxableIncome, monthlyNet, variant, siblingBonus |
gst | Add or extract GST — India slabs (5/12/18/28), Australia/NZ/Singapore/Canada rates. GST both directions — exclusive to inclusive and back — with the Indian slab structure (5/12/18/28%) and the single-rate systems (Australia 10%, New Zealand Inputs: mode, amount, rate |
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 Inputs: method, income, monthlyDebts, down, rate, years |
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 Inputs: profit, entityType, tiered |
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, sou Inputs: country, annualIncome, deduction |
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: pr Inputs: year, income, status, children, parents, parentsLiveWith |
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 insur Inputs: annualIncome |
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-r Inputs: status, annualIncome, reliefs |
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 oft Inputs: employmentType, basicDA, totalRemuneration, serviceYears, serviceExtraMonths, exitReason |
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-le Inputs: claimant, monthlyWage, leaveDays, bothCondition |
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 si Inputs: scheme, monthlyWage, months |
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. Inputs: amount, rate, years |
market_size | Bottom-up market sizing with a built-in plausibility check. Builds TAM, SAM, and SOM bottom-up from customer count and revenue per account, then sanity-checks whether the implied customer acquisition is actually plausible — the check most p Inputs: accounts, arpa, samPct, somPct |
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), t Inputs: serviceYears, monthlySalary, daysWorkedThisYear |
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 Inputs: market, price, downPct, rate, years, propertyTax |
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. Grante Inputs: cohort, salary, under30Masters, distanceOk, priorNlMonths, year |
npv_irr | Is this investment worth it — discounted, not vibes. Net present value, internal rate of return, payback period, and profitability index for a series of cashflows — the standard capital-budgeting toolkit, with the IRR pitfalls flagged inste Inputs: rate, cashflows |
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- Inputs: abode, abodeMonths, daysNY, daysNYC, abodeInNYC, armedForces |
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 Inputs: priorPtResident, formerRegime, activity, qualification, ptIncome, foreignPension |
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 thin Inputs: price, cadence, payMode, pay, takeHomePct |
pricing_margin | Margin vs markup, and what a discount really costs in volume. Computes gross margin and markup from cost and price — two numbers people constantly confuse — and shows the brutal volume math behind discounting at your margin. Inputs: cost, price, discount |
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 insuran Inputs: savings, essentials, extraCosts, sideIncome, growthPct |
roi, runway, saudi_end_of_service, savings_goal, singapore_platform_worker_cpf, singapore_property_stamp_duty, sip, split_bill, steady_paycheck, thailand_social_security, true_hourly_wage, uae_gratuity, uk_capital_gains_tax, uk_car_tax_ved, uk_child_benefit_charge, uk_first_year_self_assessment, uk_notice_pay, uk_redundancy_package, uk_stamp_duty_sdlt, uk_statutory_redundancy_pay, uk_statutory_residence_test, uk_universal_credit_taper, unit_economics, unit_price, us_aca_subsidy_cliff, us_estate_tax_exemption, us_freelance_vs_employee, us_raise_benefits_cliff, us_self_employment_quarterly_taxes, us_student_loan_rap_vs_ibr, us_substantial_presence_test, vat
Every block below points at https://xearno.tools/mcp. Pick your client and copy.
claude mcp add --transport http xearno-tools https://xearno.tools/mcp
{
"mcpServers": {
"xearno-tools": {
"command": "npx",
"args": ["-y", "mcp-remote", "https://xearno.tools/mcp"]
}
}
}{
"mcpServers": {
"xearno-tools": {
"url": "https://xearno.tools/mcp"
}
}
}{
"servers": {
"xearno-tools": {
"type": "http",
"url": "https://xearno.tools/mcp"
}
}
}{
"context_servers": {
"xearno-tools": {
"url": "https://xearno.tools/mcp"
}
}
}{
"mcpServers": {
"xearno-tools": {
"serverUrl": "https://xearno.tools/mcp"
}
}
}{
"mcpServers": {
"xearno-tools": {
"url": "https://xearno.tools/mcp"
}
}
}name: Xearno Tools
version: 0.0.1
schema: v1
mcpServers:
- name: Xearno Tools
type: streamable-http
url: https://xearno.tools/mcp{
"mcpServers": {
"xearno-tools": {
"httpUrl": "https://xearno.tools/mcp"
}
}
}{
"mcpServers": {
"xearno-tools": {
"type": "http",
"url": "https://xearno.tools/mcp"
}
}
}{
"mcpServers": {
"xearno-tools": {
"url": "https://xearno.tools/mcp"
}
}
}goose://extension?url=https%3A%2F%2Fxearno.tools%2Fmcp&type=streamable_http&id=xearno-tools&name=Xearno%20Tools
It answered our last check on 24 October 2026 in 1109 ms. Over 6 checks since 12 September 2026 it answered 6. Status here comes from Neuronto's own probes, not from the publisher.
Yes. It is published by xearno.tools and served from xearno.tools, the vendor's own domain: https://xearno.tools/mcp.
72, as returned by the server's own tools/list on 23 September 2026: app_store_developer_fees, apr_to_apy, australia_hecs_help_repayment, break_even, cagr, car_loan, china_income_tax_salary, china_retirement_pension, and 64 more.
It answered our last check on 24 October 2026 in 1109 ms. Over 6 checks since 12 September 2026 it answered 6.
Put the server under mcpServers in ~/.cursor/mcp.json with the URL https://xearno.tools/mcp. The exact JSON is above, with the same setup for Claude Code, Claude Desktop, VS Code, Windsurf, Zed, Gemini CLI and the rest.
It listed its tools to an anonymous client, so reading the tool list needs no key. Individual tools can still ask for credentials in their own inputs.
Publisher: tools.xearno. Endpoint host: xearno.tools. ARD identifier: urn:air:tools.xearno:mcp:calculators.
First indexed 10 September 2026. The tools are exactly what the server returned; nothing on this page
is inferred from its name. Ranking in Neuronto search is never for sale.