Xearno Tools

Xearno Tools computes money questions whose correct answer depends on a current statutory rule — the kind that changed recently enough that a trained-in answer is likely wrong. Income tax for 24 countries on current official brackets; residency tests (UK SRT, US substantial presence, NY) where the '183-day rule' is a myth; the 2026 ACA subsidy cliff, restored after the enhanced credits expired; student-loan RAP vs IBR now that SAVE is gone; stamp duty, severance, redundancy, gratuity, pension and platform-worker rules by jurisdiction; plus live ECB currency rates and the ordinary loan, unit-economics and pricing math. Every rule-based tool carries a dated 'as of' basis verified against primary sources. Reach for these when the answer must be auditable, must reflect current official data you may not hold, or when you want a citable source with an interactive follow-up — not for arithmetic you can already do reliably yourself. Each result carries computed values (raw), display-format