Klar Calculators

Calculate the simple average of a list of numeric grades (each 0–100). Returns the average plus the count and the highest and lowest grades. This is an unweighted mean of grades you already have. To compute a credit-weighted GPA use the GPA tool; to find the score needed to reach a target use the final grade tool. Supports up to 6 grades.

Calculate monthly NET pay from monthly GROSS salary for a supported country, applying the statutory deduction sequence the engine implements (social insurance and/or income tax, in the country's defined order). Returns net pay, total deductions, and each deduction. Use for monthly gross→net. Does NOT convert a salary between periods (use salary converter), is NOT employer total cost (use employee cost), and is NOT an annual income-tax-only figure. Currency is derived from the country. Statutory estimate from a fixed embedded rules snapshot — not legal/tax advice.

Calculate a healthy weight RANGE for a given height using the BMI method (weights for BMI 18.5–24.9). Use to get a healthy weight range from height. Does NOT classify a current weight (use BMI), and does NOT compute BMR/calories. Uses the BMI range only — not Devine, Robinson, Hamwi, frame size, or sex adjustments.

Calculate statutory annual income tax for a supported country from annual income, using the country's embedded brackets and personal allowance. Returns the tax amount, effective rate, and taxable income. Use for the annual income-tax figure. Does NOT give monthly take-home pay, is NOT social insurance, and is NOT gross-to-net. Currency is derived from the country. Statutory estimate from a fixed embedded rules snapshot — not legal/tax advice.

Calculate accrued and available ANNUAL leave between a start date and a calculation date. Two modes: mode="statutory" uses a supported country's entitlement by tenure; mode="manual" uses an annual entitlement you provide (no country). Returns accrued, used, available, remaining entitlement, carryover and expired days. Use for annual leave balance — NOT maternity leave, NOT notice period, NOT end-of-service.

Compare TWO loan options for the same principal: each option has its own interest rate, term, and optional fees. Returns each option's monthly payment, total interest, and total cost, plus the total-cost difference. Use this when the user explicitly wants to compare two loans/offers. For a single loan's payment, use the loan payment tool instead.

For a fixed-rate loan, calculate how a fixed extra monthly payment shortens the payoff and how much interest it saves. Returns the baseline monthly payment, baseline payoff months, new payoff months with the extra payment, and interest saved. Use for "how much do I save by paying extra each month" questions — not for a plain loan payment (use the loan payment tool) or a rate change.

Calculate a fixed-rate loan: monthly payment, total paid, total interest, fees, effective total cost, and a per-year amortization table. Uses Klar's loan-payment engine.

From a unit cost and its selling price, compute profit, markup percent (profit / cost) and profit margin percent (profit / selling price). Use for questions distinguishing markup vs margin, or profit on a cost-and-price pair. Requires both cost and sellingPrice; it does NOT solve for a selling price from a target markup or margin, and does NOT compute discounts or VAT.

Return the statutory maternity-leave entitlement for a supported country (a country-based lookup of embedded labour rules). Use for statutory maternity-leave days. Does NOT calculate an annual leave balance (use leave tools), and does NOT assess an individual medical/maternity situation. Statutory estimate from a fixed embedded rules snapshot — not legal advice.

Calculate a mortgage: loan amount (price minus down payment), monthly payment, total interest, total paid, effective total cost, and a per-year amortization table. Uses Klar's mortgage engine.

Return the statutory notice period (in days) for a supported country given years of tenure — a lookup against embedded labour rules. Use for statutory notice by tenure. Does NOT calculate annual leave, and is NOT end-of-service/gratuity, and NOT a general employment-contract interpretation. Statutory estimate from a fixed embedded rules snapshot — not legal advice.

Calculate WEEKLY overtime pay from weekly hours and overtime hours. Two modes: mode="statutory" uses a supported country's overtime multipliers (with an overtime kind); mode="manual" uses a multiplier you provide. Pay basis is monthly salary or an hourly rate. Returns base hourly rate, overtime hourly rate, overtime earnings (PER WEEK, the primary answer) and total weekly earnings. The overtime earnings and total are WEEKLY, not monthly or total. NOT a salary-period conversion, NOT employer cost, NOT gross-to-net. Currency is derived from the country in statutory mode.

Project the future value of retirement savings from a starting balance plus a FIXED MONTHLY contribution over a number of years at an expected annual return (compounded monthly). Returns the final balance, total contributions, and total interest earned. Use this for regular monthly retirement/investment saving. For a lump sum with no or non-monthly contributions, or to choose the compounding/contribution frequency, use the compound interest tool instead. To solve for the contribution needed to hit a target, use the savings goal tool.

Convert a pay rate between periods (hourly, daily, weekly, monthly, annual) based on a work pattern. Returns the equivalent hourly, daily, weekly, monthly and annual amounts. This only re-expresses the SAME gross pay across time periods — it does NOT deduct tax or social insurance (not net pay), and does NOT compute the employer's total cost of the employee.

Calculate the recurring contribution needed to reach a savings target by a deadline, given current savings and an expected annual return. This is the inverse of a future-value projection: you supply the target and it solves for the required contribution per period. Returns the required contribution per period (primary), total contributed, estimated investment return, and the number of contribution periods.

Calculate the selling price from a cost and a target markup percentage (markup is relative to cost). Use this when the user knows their cost and desired markup and wants the resulting selling price. Returns selling price and profit. This is markup-based pricing only: it does NOT calculate selling price from a target profit margin, and does NOT compute markup/margin from an existing selling price (use the markup & margin tool for that).

Calculate monthly social-insurance contributions (employee share, employer share, total, and capped base) for a supported country from a monthly salary, using the country's embedded statutory rates and caps. Use for social-insurance amounts. Does NOT return full net salary, is NOT income tax, and is NOT gross-to-net. Currency is derived from the country. Statutory estimate from a fixed embedded rules snapshot — not legal/tax advice.

Calculate a tip and the total from a bill amount and tip percent, optionally split across a number of people. Returns the tip amount, the total including the tip, and the amount per person. The tip percent is applied to the bill amount exactly as provided — it does not add or separate tax.

Convert a value between units within one category: length (mm, cm, m, km, in, ft, yd, mi), weight (mg, g, kg, tonne, oz, lb, stone), temperature (celsius, fahrenheit, kelvin), area (mm2, cm2, m2, hectare, km2, in2, ft2, yd2, acre), or volume (ml, l, cm3, m3, gal, qt, floz, tsp, tbsp). fromUnit and toUnit must both belong to the chosen category. Returns the converted value. Does not convert across categories.

Add, remove, or extract value-added tax (VAT/GST/sales tax) on a single amount, given a tax rate. direction="add": amount is the net (pre-tax) price, returns the gross tax-inclusive price. direction="remove": amount is the gross price, returns the net price before VAT. direction="extract": amount is the gross price, returns only the VAT portion. Returns netAmount, vatAmount, grossAmount. Use for VAT/GST/sales-tax questions. Does NOT compute a discount, markup, or profit margin.