Free · Open Source · Zero PII · Zero Install · Browser-Only · Policy-Mandate-Compliant
Deterministic Decision Engines for People, Creators, and Agents
Deterministic, rule-based engines for students, career changers, working professionals, counselors, and workforce boards — designed and built by Apex Advisors. No accounts. No servers. Nothing leaves your browser. All tools ship with a manifest.json for MCP agent discovery and a Policy Mandate export for cross-tool scenario handoff.
103
Shipped
103
Total in Suite
0
PII Collected
CC 4.0
Open Source
All computation in your browser · No data transmitted · No accounts needed
→ What can this suite do?
#01→
Credential ROI Suite
Compare bootcamp, degree, and certification ROI using BLS OEWS earnings data. Models NPV, payback period, opportunity cost, and salary premium across 16 SOC codes. Policy Mandate handoff to AL-26 Graduate School ROI Comparator.
#03→
Graduate School ROI Comparator
Compare up to 3 graduate programs side-by-side: NPV, IRR, break-even, and total investment. NCES IPEDS 2023-24 tuition + BLS OEWS wage data. Accepts Policy Mandate handoff from AL-02 (Credential ROI) and AL-17 (FAFSA SAI).
#17→
MBA Program Fit & ROI Ranker
Compare up to 4 MBA programs side-by-side: total cost, opportunity cost, post-MBA salary by specialization, payback period, and 10-year NPV. 40+ programs (M7, T10, T20, international). FT Global Rankings 2024 + IPEDS 2023-24. Policy Mandate ↔ AL-26, → AL-30.
#18→
Test Prep Investment Analyzer
Score gap → admissions tier → earnings premium. 6 exams (GMAT, GRE, TOEFL, IELTS, LSAT, MCAT), 7 prep methods, live tier ladder with gap-to-next-tier display. Prep cost ROI vs. scholarship lift and 10-yr salary premium. Policy Mandate ↔ AL-29, → AL-20.
#19→
International Student Cost Modeler
F-1 total cost model: DS-160, SEVIS, OPT/STEM OPT fees, visa medical, flights. OPT 12-month and STEM OPT 36-month earnings window. H-1B lottery history FY2020–FY2024. Tab 2: compare US vs. 8 countries (UK, Canada, Australia, Germany + 4 more). Legal: 8 CFR §214.2(f).
#31→
Trade vs. Degree ROI Engine
Compares 10 trade/cert paths against 10 degree tracks using BLS OEWS wages, state multipliers, and opportunity cost. NPV over 20 years at 3% discount. Accounts for apprenticeship income during training. Canvas earnings trajectory.
#34→
Professional Degree ROI Ranker
Compares up to 3 professional degree paths (MD/DO/JD/PharmD/DVM/MBA/BA) across specialties. Calculates break-even age, career NPV, and DTI ratio. 13-row side-by-side table with winner indicator. DTI >2.0 and break-even >50 warnings.
#05→
Offer Negotiation Suite
Two-tab tool: structured negotiation script generator (anchor/target/floor tiers, scripted language, lift distribution, objection responses) + multi-offer comparison matrix (up to 6 offers, 12 weighted dimensions, RAG heatmap).
#21→
Equity Compensation Analyzer
RSU/ISO/NSO grant analyzer: vesting schedule (5 patterns), intrinsic value, AMT flag (IRC §55), after-tax proceeds, NPV at 7%, and equity-vs-cash equivalence. Tab 2: 3-offer total comp stack over 4 years. Legal notice: IRC §422, §83, §55. Policy Mandate ↔ AL-25.
#23→
Freelance / 1099 Total Cost Calculator
W-2 vs. 1099 equivalence calculator: binary search for required gross, SE tax (15.3% × 92.35%), 8-tier state selector, federal bracket engine. Tab 2: Deduction Discovery Engine — home office, mileage ($0.70/mi), health insurance, SEP-IRA, professional dev, software, internet/phone, equipment (§179). Policy Mandate ↔ AL-25.
#04→
Benefits Open Enrollment Optimizer
Compare up to 3 health plans by expected annual cost, model HSA/FSA tax savings (including FICA exemption), and calculate your 401(k) match capture rate. User inputs plan details — zero embedded employer data.
#25→
Total Compensation Suite
Compare up to 3 offers: base, bonus, RSU/options vesting, benefits, and after-tax take-home with 8-tier state selector. Tab 2: equity deep dive — RSU year-by-year + Black-Scholes options. Policy Mandate ↔ AL-33, AL-04, AL-25.
#26→
Geo-Fiscal Arbitrage Simulator
Relocation salary equivalence across 70 US metros with CoL index and 8-tier state tax. Tab 2: remote pay policy — employer vs. employee city, break-even cut %, 3-city comparison. Policy Mandate ↔ AL-01, AL-25.
#29→
AI Skills Premium Calculator
Quantifies salary premium from AI skill acquisition across 14 role categories and 10 AI skills. Uses PwC AI Jobs Barometer 2025 premium coefficients (up to 56%) and BLS OEWS 2024 baselines. Outputs upskilling cost, timeline, and NPV at 1/3/5 years.
#30→
Federal vs. Private Sector Comp Comparator
Full GS-5 through GS-15 pay table (2026 OPM) with 15 locality percentages. Calculates FERS pension NPV, FEHB value, TSP match, and leave value vs. a private offer. 20-year lifetime value comparison often reverses apparent base pay gaps.
#32→
Remote Work Tax Mapper
Calculates state + federal + FICA tax across three scenarios for remote workers: current arrangement, move to employer state, and 100% WFH in a no-tax state. Embeds all 50 state rates + reciprocity pairs. Flags NY convenience-of-employer doctrine.
#40→
Part-Time / Gig Income Optimizer
For hybrid W-2 + side 1099 workers. Calculates your true marginal rate on each gig dollar (income tax + SE tax − §164(f) deduction), quarterly estimated payment trigger and schedule, safe harbor amounts, and net hourly rate. 2026 projected IRS brackets.
#39→
Signing Bonus Clawback Analyzer
Clawback clauses demand repayment of the gross bonus — but you only received the after-tax amount. Models four repayment scenarios including IRC §1341 Claim of Right credit. Pro-rated obligation timeline. Zero maintenance.
#38→
Early Career Net Worth Trajectory Engine
10-year net worth projection for the 18–30 demographic across three scenarios: aggressive saver (+10pp), your rate, and under-saver (−10pp). Models salary growth, 401(k) match, student debt paydown, and portfolio compounding. SVG trajectory chart with milestone calendar.
#44→
Deferred Comp 457(b) Decision Engine
457(b) vs. taxable account: after-tax totals, break-even retirement rate, NPV advantage. Models current and retirement marginal rates, LTCG rate, drawdown period, and early withdrawal flexibility. No 10% penalty flag included.
#89→
Sales OTE & Commission Analyzer
Model your real W-2 from an OTE offer: base/variable split, attainment scenarios, accelerator tiers, and draw/clawback risk. Compares three quota scenarios side-by-side and surfaces total effective rate at each attainment level.
#92→
Dual-Career Household Income Optimizer
Childcare break-even salary, sabbatical true cost, and geo relocation trade-offs for dual-earner couples. Models marginal tax rate on second income, childcare subsidy, and the net household gain from each partner’s career move.
#06→
Career Resilience Engine
Two-tab tool: Tab 1 scores your occupation's automation exposure using 65 Frey-Osborne (2013) SOC-keyed probability estimates; Tab 2 computes a career resilience score from LinkedIn 2025 growing skills vs. WEF 2025 declining skills. Dual Policy Mandate exports → AL-08+14.
#07→
Career Transition Suite
Tab 1 scores your pivot risk using a 4-dimension composite (financial runway, salary delta, skill proximity, market demand). Tab 2 runs a weighted skill gap analysis against any target role. Dual Policy Mandate exports.
#08→
Separation Package Analyzer
Models after-tax take-home on lump-sum (IRS 22%/37% supplemental rate) and salary-continuation (2024 bracket withholding + FICA) separation packages. User-entered state rate. Optional monthly runway estimate. Inline legal disclaimer.
#09→
Job Search ROI Tracker
Two-tab tool: Tab 1 models expected ROI per job search channel (referral, LinkedIn, recruiter, direct apply, cold outreach, job boards) using geometric probability and EV/hour. Tab 2 computes the NPV delta of accepting a current offer vs. continuing to search, with break-even months and runway analysis. Policy Mandate inbound from AL-25.
#10→
Career Break & Reentry Cost Engine
Two-tab engine: Tab 1 models full financial cost of a career break (lost income, 401k compounding gap, SS impact, break-timing NPV). Tab 2 models industry-specific reentry salary penalty by break duration and role level, with lifetime earnings delta and skills depreciation risk. Policy Mandate inbound from AL-24.
#33→
Non-Compete Risk & Enforceability Screener
Scores a non-compete agreement 0–100 for enforceability risk based on state law tier (CA/MN/ND/OK = void; CO/IL/MA = restrictive; FL/GA = broad), duration, scope, role, and consideration. Plain-language flags and recommendations. Not legal advice.
#35→
Military-to-Civilian Salary Bridge
Calculates total military compensation (base + BAH + BAS + TRICARE + TSP + leave) and converts to a civilian salary floor using tax gross-up. Full 2025 DoD pay tables for E-1 through O-10, BAH rates for 20 metros. GI Bill and benefits gap analysis.
#90→
Counter-Offer Decision Engine
5-year NPV of counter-offer vs. new employer offer, with loyalty-tax risk and career trajectory analysis. Models probability of departure within 12 months, promotion velocity delta, and the compounding cost of staying.
#91→
Relocation Package True Value Engine
Net value of your relocation package after tax, moving costs, and COL-adjusted salary comparison. Breaks down lump-sum vs. reimbursement structures, grossed-up vs. not, and computes the after-tax dollar difference between origin and destination cities.
#98→
Side Hustle → Full-Time Business Transition
Revenue runway, COBRA bridge cost, SE tax step-up, and the month your side hustle replaces your W-2. Models cash reserve burn rate, break-even monthly revenue, and the true income needed to match your current total compensation.
#11→
Human Capital Engine
Tab A: NPV model for 15 professional certs (Q4 2024 fees + BLS salary premiums). Tab B: Career Capital score using skill half-life depreciation across 8 industries and 44 skill domains.
#13→
Exam Cost & Timeline Planner
Total cost-to-pass for 32 professional exams — exam fees, retakes, study materials, and prep courses — with a study timeline based on your weekly hours. Q4 2024 fee schedules.
#12→
CPD / CPE Credit Tracker
Track continuing education credits for CPA (NASBA), CLE, HR (SHRM/HRCI), and CME/CEU. Log completed activities, calculate your gap to renewal, monitor ethics minimums, and model the pace needed to finish on time.
#28→
Professional License Reciprocity Checker
Lookup interstate license transfer pathways for 10 professions across all 50 states + DC. Covers eNLC (37 states), IMLC (37), NASBA SE, NCEES comity, NASDTEC, and ARELLO bilateral agreements. Tab 2: multi-state planner. Policy Mandate ↔ AL-03.
#41→
Certification Renewal Cost Forecaster
6-year renewal cash-flow calendar for your entire credential portfolio. 19 embedded certifications (PMP, CISSP, CPA, AWS, CompTIA, PE, CFA, SHRM, CCNA, CKA, and more). Detects collision years, tracks CEU requirements, estimates study hours.
#97→
Nursing & Allied Health Career Ladder ROI
CNA to CRNA: cost, time, and salary at every rung of the nursing and allied health career ladder. Models program cost, years to completion, median salary uplift, and 10-year NPV for each credential step — with a break-even rung calculator.
#02→
FAFSA SAI Simulator
Estimate the Student Aid Index (SAI) and Pell Grant tier for the 2026-27 award year. Models the federal need-analysis methodology end-to-end across all three SAI formulas (dependent, independent, independent with dependents). Per Federal Register 2025-10243.
#22→
Student Loan Repayment Optimizer
Compare all active federal repayment plans (Standard, Graduated, Extended, IBR, PAYE, ICR) on monthly payment, total paid, and forgiveness amount. Tab 2: PSLF tracker with remaining payments, forgiveness year, and savings vs. normal payoff. SAVE plan note included.
#14→
Scholarship ROI Tracker
Build a scholarship pipeline (up to 12 awards), estimate 2024-25 Pell Grant from SAI, calculate net cost of attendance, and model loan impact vs. zero-scholarship baseline. Zero embedded institutional data — fully user-driven.
#20→
Parent College ROI Planner
529 projection to enrollment, SAI/Pell aid gap, year-by-year inflation-adjusted COA by 5 school tiers, gift-aid waterfall, and Parent PLUS loan model (7.54%, 4.228% fee). Tab 2: 3-school comparison. Policy Mandate inbound from AL-17; outbound → AL-12.
#24→
Education Savings Projector
Project 529 balance to college start with compound growth (FV formula). 4-bucket state 529 deduction lookup (no-tax / unlimited / capped / no-deduction) across all 50 states. Tab 2: reverse-solve required monthly contribution + sensitivity table. SECURE 2.0 Roth rollover note. Policy Mandate ↔ AL-17, → AL-32.
#42→
ISA vs. Student Loan Comparator
Income Share Agreements pay less when income is low — but can cost far more if income rises. Models total repayment, NPV at a user-set discount rate, break-even income threshold, and year-by-year cash flow. Zero external data — pure math.
#101→
RAP vs. Standard Decision Engine
OBBBA 2025: new Direct Loan borrowers default to RAP (1–10% AGI, $10 floor, 30-yr forgiveness) not Standard. Models monthly payment, total cost, and forgiveness side-by-side for any income and balance. Tab 2: PSLF RAP track with payments remaining and forgiveness year. Effective July 1, 2026.
#102→
Grad Loan Cap Gap Planner
OBBBA 2025 caps Grad PLUS: $20,500/yr ($100k lifetime) for most grad programs; $50,000/yr ($200k) for law, medicine, dentistry, pharmacy. Most programs cost far more. Models your federal eligibility, annual funding gap, and private loan gap-fill scenarios at low/mid/high rates with DTI check.
#103→
529 Lifelong Learning Maximizer
OBBBA 2025 expands 529 qualified expenses to CDL/vocational training, CPA and bar exam fees, professional license renewal, CPE/CE credits, and K-12 up to $20k/yr. Tab 1: check which expenses qualify (old vs. new) and estimate tax savings. Tab 2: contribution planner with state deduction benefit and year-by-year projection.
#104→
AI Displacement Risk Screener
Enter your job title or SOC code to get a composite AI displacement risk score (automation probability + task routineness + AI-augmentation exposure). Shows which tasks are most at risk and suggests 3 adjacent lower-risk pivot occupations with salary comparisons.
#105→
HDHP vs. PPO Break-Even Calculator
Find the annual medical-spend level where HDHP + HSA beats PPO in total out-of-pocket cost. Enter premiums, deductibles, OOP maxes, and expected utilization. Includes HSA tax shield value and shows crossover chart. Makes open-enrollment plan selection data-driven.
#106→
Employer Training Investment Payback Calculator
Model cost-per-employee-trained against 3 return levers: productivity lift, attrition reduction, and promotion-rate improvement. Produces 1/3/5-year ROI, payback month, and break-even headcount. Includes industry attrition benchmarks and board-ready summary export.
#107→
Turnover Cost Calculator
Itemize the true cost of a single employee departure across 4 components: separation (admin + severance), vacancy (overtime + productivity loss), recruitment (ads + agency + interview time), and onboarding ramp. Role-level defaults for IC through C-Suite. Toggle soft-cost multiplier and run attrition-savings slider.
#108→
Retention Investment ROI Model
Model the net ROI of retention programs (mentoring, flex, pay adjustments) against your baseline turnover cost. Calculates net annual savings, payback period, break-even attrition-reduction needed, and cumulative 3-year benefit curve. Pairs with #107 Turnover Cost Calculator.
#109→
ISO AMT Exposure Modeler
Calculate 2026 AMT liability from ISO exercise spread using updated exemption amounts ($90,100 single / $140,200 MFJ) and phase-outs. Two-rate AMT bracket (26%/28%). Shows max shares exercisable with zero AMT, and AMT hit for any exercise size. Binary search for exact threshold.
#110→
ESPP Break-Even & Optimal Sell Analyzer
Compare qualifying vs. disqualifying ESPP disposition tax outcomes for any sale price. Shows after-tax proceeds under each path, finds the break-even sale price for holding to qualify, and layers 2026 LTCG rates on top of ordinary income. 15% discount assumed; inputs adjustable.
#111→
S-Corp Election Break-Even Modeler
Find the net SE income level where S-Corp election SE tax savings exceed annual admin overhead (CPA + payroll + state fees). Uses 2026 SS wage base ($184,500). Sweeps income $30k–$1M, plots the crossover, and shows marginal savings per dollar above break-even. Pairs with Solo 401(k) optimizer.
#112→
Solo 401(k) vs. SEP-IRA Optimizer
Compare max contributions and pre-tax savings across Solo 401(k), SEP-IRA, and SIMPLE IRA using 2026 IRS limits ($24,500 employee deferral; §415(c) $72,000). Includes age-based catch-up (50-59/64+: $8,000; 60-63: $11,250). Shows which plan wins at every income level.
#113→
PSLF Qualifying Payment Counter
Project PSLF progress: payments made/remaining to 120, monthly payment under RAP/IBR/PAYE (2026 FPL), forgiveness amount, and full 10-year payment schedule. Eligibility checklist (employer type, loan type, repayment plan). Pairs with OBBBA RAP Decision Engine (#101) and Refi Break-Even (#114).
#114→
Student Loan Refinancing Break-Even Calculator
Weigh interest savings from private refinancing against the value of PSLF eligibility, IDR income-driven protections, and origination fees. Issues a clear Go / No-Go verdict. If PSLF-eligible with >24 payments remaining, tool locks in DO NOT REFI. Shows net savings curve over loan term.
#115→
RSU Withholding Gap Calculator
Calculate the federal tax gap between 22% supplemental withholding on RSU vests and your true marginal rate. 2026 SS wage base ($184,500) determines FICA exposure. Adds state gap using simplified buckets (0/3/5/9.3%). Shows whether to sell-to-cover, request extra withholding, or make quarterly payments.
#116→
Freelance Quarterly Estimated Tax Calculator
Calculate IRS quarterly estimated payments covering federal income tax + SE tax (SS + Medicare) + state bucket. Shows 2026 due dates (Apr 15 / Jun 16 / Sep 15 / Jan 15), safe-harbor amount from prior year, and per-quarter breakdown. Catches the common underpayment mistake freelancers face in year 1.
#117→
Caregiver Income Impact & Lost Earnings Estimator
Quantify the full financial cost of unpaid caregiving across 4 components: direct income loss (reduced hours or leave), retirement savings gap (compounded over horizon), SS benefit reduction (wage history impact), and career setback cost (re-entry wage penalty). Essential for family leave planning and re-entry negotiation.
#118→
Teacher Salary Schedule & Lifetime Earnings Projector
Project lifetime K-12 teacher earnings from a step-and-lane salary schedule. Model step advancement, COLA, and planned lane changes to reveal career earnings trajectory and final-year salary (FAS) for pension planning. BLS OEWS 2025 presets; district grid user-supplied.
#119→
Master's / Lane-Change ROI for Educators
Calculate NPV, payback period, and break-even lane bump for a K-12 teacher pursuing a master's degree or graduate credits — net of tuition, opportunity cost, employer tuition assistance, and Teacher Loan Forgiveness (ESEA §1059c: $5,000/$17,500). Optional pension FAS uplift modeling.
#120→
National Board Certification (NBCT) ROI Calculator
Calculate the ROI of pursuing NBCT: NPV, payback months, benefit-cost ratio, and minimum stipend needed to break even — accounting for assessment fee (~$1,900 default, overridable), retakes, study opportunity cost, and renewal cycle. Shows whether your state's stipend clears the threshold.
#121→
Teacher Pension Multiplier & Vesting Estimator
Project annual pension, lifetime PV, and replacement rate from your district's defined-benefit plan. User supplies multiplier, FAS basis (1/3/5-yr), and vesting threshold — no embedded state tables. Milestone comparison table shows the dollar cost of leaving at any earlier year. Vesting cliff modeled explicitly.
#122→
Trade Wage Progression Projector
Project the full apprentice → journeyman → master wage arc for any of 5 trades — electrician, plumber, HVAC, welder, carpenter — using BLS 2025 defaults. Compares earn-while-you-learn cumulative earnings against a 4-year college path including student debt. 10-year and 20-year NPV with user-configurable discount rate.
#123→
Trade Specialization & Cert ROI Calculator
Rank up to 4 trade certifications — EPA 608, Master Electrician, CDL-A, AWS Welder, NICET, or custom — by NPV, payback period, and benefit-cost ratio. Inputs: exam cost, study time, salary lift, and probability of passing. Presets for common trade certs with BLS 2025 wage lift data. Shows optimal credential sequencing.
#124→
Contractor Launch Break-Even Calculator
Find the billable-rate floor and the exact month your solo contracting business clears your current W-2 take-home. Iterative SE tax solve (SECA 15.3% with §164(f) deductible half), configurable overhead, startup costs, and 24-month utilization ramp. Break-even month highlighted; sensitivity table across utilization rates.
#125→
GI Bill Benefit Maximizer
Compare Post-9/11 (Ch. 33) vs. MGIB (Ch. 30) benefit — net of tuition cap, BAH stipend, Yellow Ribbon matching, books allowance, and opportunity cost. FY2025 VA rate tables: Ch. 33 public cap $27,120, private $28,937, books $41.67/mo; Ch. 30 $2,295/mo. Shows which chapter delivers higher total benefit for your school type and enrollment status.
#126→
SkillBridge & Credential Transfer ROI
Rank SkillBridge programs and MAP/ACE military credit transfers by expected salary lift and 5-year ROI. Up to 4 credentials with presets for CompTIA Security+, PMP, CDL-A, AWS SAA, NREMT. SkillBridge EV weighted by conversion probability. Shows optimal credential sequence for fastest payback during the 180-day transition window (DoDI 1322.29).
#127→
Veteran Income Bridge Planner
Stack every transition income stream — military severance (10 U.S.C. §1174), VA disability (FY2025 embedded rates 10%–100%), TSP/retirement, spouse income, and bridge employment — against monthly expenses. 24-month cash-flow bridge with color-coded surplus/gap rows. Coverage ratio shows when civilian income makes the gap whole.
#128→
Raise-Ask Expected Value Calculator
Model the expected monetary value of asking for a raise by weighting full grant, partial grant, and silence outcomes across a career horizon. Outputs year-1 EV, lifetime silence cost, recommended opening anchor (15% above target), and a scripted ask framework. The silence cost alone is usually decisive.
#129→
Promotion vs. Job-Hop Calculator
Compare 5-year cumulative present value of staying for a promotion vs. jumping to a higher offer — nets ramp-up cost, benefits delta, tenure costs, unvested equity, and compounding merit raises. Outputs stay/hop verdict and break-even hop premium (binary search). Connects directly from the Raise-Ask EV Calculator when the raise is denied.
#130→
Dependent Care FSA vs. CDCTC Optimizer
Find the childcare tax strategy that maximizes savings: DC-FSA alone (IRC §129, $5K MFJ, FICA 7.65% savings), Child & Dependent Care Tax Credit alone (IRC §21, 35%→20% AGI phase-down), or optimal combination. $250 sweep finds the best FSA contribution split. Three-strategy compare grid with "BEST" badge. 2025 limits.
#131→
Parental Leave Income Gap Planner
Week-by-week leave schedule stacking employer paid leave, state PFL/SDI (CA 65%, NY 67%, NJ 85%, WA 75%, CO 90%, OR 60%), and FMLA unpaid weeks. Calculates total leave income vs. expenses gap, savings needed before leave, and months to financial recovery after return. Covers both parents and custom leave arrangements.
#132→
Travel Nurse vs. Staff Comp Analyzer
True apples-to-apples net pay comparison: staff gross vs. travel taxable base + tax-free housing + M&IE stipends (IRS Rev. Rul. 59-58; GSA 2025 rates), minus agency structure, contract gap weeks, and travel costs. Side-by-side breakdown with winner badge. Stipend eligibility flag for tax-home maintenance. Annual net difference and break-even gap-weeks.
#133→
Shift Differential & OT Optimizer
Model day, evening, night, and weekend shift schedules side by side. Correctly stacks differentials into the FLSA regular rate (29 CFR §778.207) before calculating overtime premium — the math most employers get wrong. Annual net comparison for each shift schedule. Best row highlighted. Childcare cost offset input for evening/night shifts.
#134→
COBRA vs. ACA Coverage Optimizer
Compare COBRA full-premium cost against ACA marketplace net premiums using the 2026 §36B PTC table. Enhanced subsidies expired 12/31/2025 — the 400% FPL cliff is restored. Break-even AGI loop finds the exact income level where marketplace beats COBRA. HSA eligibility flag. 60-day decision window.
#135→
Option Exercise Window Analyzer
Model the post-separation option exercise decision. EV across three probability-weighted exit scenarios, maximum shares affordable given available cash, AMT flag for ISOs with spread above $50K. 90-day countdown with urgency states. ISO-to-NSO conversion warning if window expires.
#136→
Severance + UI Timing Sequencer
Optimize severance form — lump sum vs. salary continuation — for maximum unemployment benefit eligibility. In standard states, continuation pay delays UI by equivalent weeks; lump sum typically doesn't. Week-by-week timeline, benefits-at-risk quantification, and state UI bucket model (no-delay / standard / generous).
#137→
QBI §199A Optimizer
Calculate the §199A pass-through deduction using 2026 OBBBA permanent thresholds ($201,775 single / $403,500 MFJ). Handles below-threshold (full 20%), phase-out band with W-2/UBIA limitation, SSTB exclusion, and the new $400 floor for QBI ≥ $1,000. W-2 wage lever shows how salary adjustments shift the deduction.
#138→
S-Corp Reasonable Comp Analyzer
Benchmark S-corp owner salary against 17 industry × 3 role combinations. Calculates FICA savings vs. sole-prop SE tax (SS wage base $184,500 in 2026). Audit risk scoring using the Watson v. US (2012) ratio framework — low/medium/high with specific warning thresholds. Shows QBI trade-off for each salary level.
#139→
Home Office + Augusta Rule Optimizer
Compare home office regular method (actual expenses × business %) vs. simplified ($5/sq ft, $1,500 cap). Augusta Rule §280A(g): S-corp rents home ≤14 days/year — owner receives tax-free rental income, corp deducts. Combined deduction summary with documentation checklists for both methods.
#140→
83(b) Election Decision Engine
For early-exercise options or restricted stock at grant, model the tax-now vs. tax-at-vest tradeoff. LTCG clock starts at grant date with election (not at each vest). Low/Base/High FMV scenarios with savings table. Forfeiture downside modeled. Zero-spread case auto-detected. File/skip verdict with EV framing. 30-day deadline banner.
#141→
Equity Exit Waterfall Modeler
Model liquidation waterfall for all three preference types: non-participating (converts to common if pro-rata is higher), fully participating (double-dip), and capped participating (converts when cap hit). Visual waterfall bar with colored segments. Break-even exit price showing minimum where common receives any distribution.
#142→
QSBS §1202 Exclusion Estimator
Estimate IRC §1202 capital gains exclusion on QSBS — 50%/75%/100% tier based on acquisition date. 8-item eligibility checklist (C-corp, original issue, active business, ≤$50M gross assets, >5yr hold). $10M/$10× basis cap. AMT preference item flag for pre-2010 tiers. State non-conformity warning.
143
Workforce Exit
1 tool#144→
H-1B Job-Change Risk & Cost Calculator
Model filing timeline, gap risk, and financial impact of changing jobs on H-1B. AC21 portability eligibility (INA §214(n)), unlawful-presence exposure (3yr/10yr bar triggers), 6-year cap extension check, attorney + USCIS fee breakdown, and 3-year income comparison. Risk flags: low/medium/high verdict.
#145→
Green-Card Priority-Date Wait-Cost Estimator
Quantify the financial cost of your EB green-card backlog: year-by-year salary opportunity cost vs. outside offers, career mobility restriction cost, H-1B extension filing fees. Covers EB-1/2/3/NIW across all chargeability countries. AC21 extension rules. Strategies to reduce wait cost. Total cumulative cost summary.
#146→
Policy Mandate Advisor Prompt Composer
Transform one or more Policy Mandate decision artifacts into advisor-framed LLM prompts with Claude.ai and ChatGPT deep links. Five task frames (summary, next steps, compare, advisor questions, explainer), 15 audience targets, domain-specific regulatory citations, stochastic framing rules, escalation conditions, and full execution-hash provenance chain.
#43→
Dual Enrollment ROI Calculator
Models tuition arbitrage savings, semester compression, and early workforce earnings NPV from dual enrollment courses. Enter DE cost, university credit rate, transfer rate, and semester costs — zero embedded data.
#45→
Tutor ROI Calculator
Is hiring a tutor worth it? Models probability of score improvement × merit scholarship NPV vs. tutor cost. Returns expected value, net ROI, and the minimum improvement probability needed to break even. Works for SAT, ACT, GRE, GMAT, LSAT, MCAT.
#46→
Test Retake Decision Engine
Retake or apply now? Computes expected value of each path on GRE, GMAT, LSAT, MCAT, SAT, and ACT. Models improvement probability, admit probability uplift, retake cost, and one-cycle delay cost. Returns EV advantage and break-even probability.
#47→
MBA Application Portfolio Optimizer
How many schools — and at which tiers? Models P(≥1 offer), expected scholarship, portfolio EV, cost per expected admit, and the marginal value of adding one more school to each tier. Pure expected-value math.
#48→
Tuition Reimbursement True Value Calculator
The headline benefit is not the real benefit. Models IRS §127 tax savings, clawback expected liability, study-time opportunity cost, and credential salary lift. CA AB 692 (2026) flag for stay-or-pay agreements.
#49→
PhD vs. Industry Pivot Calculator
Should you finish your PhD or leave for industry now? NPV of both paths, break-even year post-PhD, PSLF forgiveness if pursuing academia or government, and a year-by-year cumulative earnings table.
#50→
Law School ROI by Career Track
BigLaw vs. In-House vs. Government vs. Public Interest — 10-year NPV with PSLF forgiveness, IDR vs. standard repayment, break-even year, and tier-adjusted salary defaults. A T14 going into public interest can beat a regional JD at BigLaw.
#51→
GMAT vs. GRE Strategic Choice Engine
Which test should you take? Scores 7 profile dimensions (quant/verbal strength, target programs, timeline, prior experience, format, budget). Returns recommendation, target score table by school tier, all-in cost comparison, and prep plan.
#52→
Executive MBA vs. Full-Time MBA Decision Engine
Keep working or quit for 2 years? 10-yr NPV of EMBA, full-time MBA, and no MBA. Models employer sponsorship, 2-year forgone salary gap, career pivot feasibility by goal type, and year-by-year break-even.
#54→
TOEFL vs. IELTS vs. Duolingo Choice Engine
Which English proficiency test? Scores 8 profile dimensions — target schools, test-center access, timeline, budget — against 2026 acceptance policies (Wharton now takes Duolingo 130+). Target score table by tier and all-in cost comparison.
#55→
LSAT Score → Law School Tier Match & Financial Planner
LSAT + GPA → realistic tier access (T14 / T15–50 / regional) chained directly into money: expected debt, BigLaw vs. PSLF NPV, scholarship probability, and points-to-next-tier analysis. Links the test score to the financial outcome.
#56→
MBA Scholarship Strategy Engine
Two-tab engine for both scholarship levers: ① Round Timing Optimizer — R1 vs. R2 vs. R3 dollar EV (admit-rate edge × merit budget depletion × readiness); ② Offer Negotiation EV — probability-weighted value of countering with a competing offer.
#57→
MBA Admissions Consulting ROI Calculator
Is a $5K–$30K consultant worth it for your profile? Converts claimed admission-probability uplift into dollar EV via tier salary premium NPVs, computes the break-even uplift the consultant must actually deliver, and runs 2–15pp sensitivity.
#58→
MBA Yield Decision Engine
You hold 2–3 admits — which do you accept? Weighted multi-criteria scoring across tier salary outcomes, net cost, career goal fit, network, and cost of living, with sensitivity analysis showing which priority profile flips the winner.
#59→
Dual Degree ROI Calculator
JD/MBA, MD/MBA, MPH/MBA, MPP/MBA: three-path NPV — primary degree only vs. concurrent dual vs. sequential. Marginal cost of the second degree, cross-domain salary premium, break-even year, and what concurrency saves.
#60→
Online MBA vs. EMBA vs. Full-Time MBA 4-Path Comparator
All four paths — Online, EMBA, Full-Time, No MBA — with income continuity, GMAC 2025 employer perception multipliers (~90% online acceptance), salary reset vs. uplift mechanics, and pivot feasibility by career goal. Extends #52 into the fastest-growing tier.
#61→
MBA Waitlist Expected Value Engine
Waitlisted — stay, withdraw, or gap-year and reapply? School-class yield rates set P(off waitlist) (HBS/Stanford ~3% vs. T8–15 ~20%); the engine prices the hedged-wait option against committing or betting on next cycle.
#62→
Deferred Enrollment MBA Decision Engine
Accept a guaranteed deferred seat (HBS 2+2-style) at a T15, or decline and bet on M7 admission when your profile is stronger? Option-value model with risk-adjusted EVs, break-even upgrade probability, and the dollar value of the guarantee.
#63→
MBA Reapplicant EV Engine
Expected-value engine for dinged MBA applicants: reapply same schools, restructure the portfolio, take the admit in hand, or skip the MBA. Models reapplicant admit probability from profile-change uplifts, prices the cycle-delay cost, and ranks improvement moves by pp-per-dollar and pp-per-hour efficiency.
#64→
One-Year vs. Two-Year MBA Global Comparator
Three-path NPV comparator (1-yr international MBA, 2-yr US MBA, no MBA) modeling the three mechanics generic calculators miss: opportunity-cost asymmetry (10 vs 21 months out), career-switch feasibility gates (no-internship double switch ×0.60), and geo-placement gates (e.g., INSEAD <10% US placement). Embedded 12-program table, visa hard-stop logic, payback year, geo-fit scoring.
#65→
Law School Early Decision EV Engine
Computes the expected value of binding Early Decision vs. a Regular Decision portfolio for law school: ED admission boost by median position (splitter logic), forfeited scholarship negotiation leverage, break-even ED boost, ED guarantee programs, and debt/payment impact.
#66→
MiM vs. MBA Timing Engine
Lifetime-NPV timing engine for 21–24-year-olds with under two years of experience: MiM now vs. work 3–5 years then full-time MBA vs. no graduate degree. Computes NPV to age 35 and 45, the crossover salary where the verdict flips, payback years, 3/5/8% discount-rate sensitivity, and the MiM-then-MBA double-degree trap (×0.5 incremental-uplift haircut).
#93→
Internship ROI Calculator
Opportunity cost of unpaid or low-pay internships vs. FTE conversion probability and career acceleration NPV. Models foregone summer income, conversion rate by industry, early-career salary premium, and 5-year compounded benefit of the conversion offer.
#94→
Community College Transfer Pathway ROI
2+2 vs. direct 4-year: tuition savings, transfer success risk, and time-to-completion delta. Models the probability-weighted NPV of each pathway, credit loss from transfer, and the net tuition gap after financial aid differences.
#95→
Graduate Certificate vs. Master’s Engine
6-month certificate or 2-year master’s? Compare by field: cost, time-to-market, salary lift, and NPV. Models field-specific employer recognition rates, stackability of certificate credits toward a degree, and the compounding advantage of earlier market entry.
#96→
Adult Learner Degree Completion ROI
ROI of completing your bachelor’s online or part-time: prior credits, employer assistance, lifetime salary gain. Models years to completion at part-time pace, out-of-pocket cost after tuition reimbursement, and probability-weighted salary uplift by completion age.
#27→
Visa Strategy Navigator
Score 7 US work visa pathways (H-1B, O-1A/B, L-1, EB-1A, EB-2 NIW, E-3) by profile strength. Tab 2: green card timeline modeler with FY2025-26 backlog data by country. Educational use only — not legal advice. Policy Mandate ↔ AL-31.
#53→
STEM OPT Financial Runway Planner
F-1 international students: 36-month OPT/STEM OPT window, up to 3 H-1B lottery attempts. Models savings trajectory at each milestone, P(win H-1B), worst-case balance if status lapses, EB-2 NIW path, and cap-exempt employer strategy.
#37→
Workforce Pell Credential Value Ranker
Ranks 21 Workforce Pell-eligible credentials by ROI, wage gain, and job demand — personalized to your Pell award. BLS OEWS 2023 wages, OOH 2024–34 demand projections. Filter by category, sort by ROI, wage gain, cost, or Pell coverage.
#36→
Workforce Pell Eligibility Screener
Estimate your Workforce Pell Grant award for short-term programs (150–599 hrs, 8–14 wks) now eligible under OBBBA (P.L. 119-21, effective July 1, 2026). New: SAI cutoff raised to $14,790; bachelor's holders qualify. Proration formula: min(weeks÷24, hrs÷900) × base Pell.
#15→
Workforce Board ROI Report Generator
Benchmark WIOA program outcomes vs. DOL PY 2023 national targets (5 indicators, 3 program types). Cost-per-participant, cost-per-employment, taxpayer ROI model (IMPAQ 2013). BLS QCEW Q3 2023 sector wage baselines. Policy Mandate export.
#16→
Apprenticeship & Earn-and-Learn Matcher
Find DOL RAPIDS registered apprenticeship programs by occupation. Wage progression model (50–90% of journeyworker wage), cumulative earnings during program, opportunity cost, and post-completion ROI. 12 occupations across construction, healthcare, IT, and manufacturing.
Selected Studies
Academic & Practitioner Tools
Interactive frameworks for educators, researchers, and academic professionals — built from graduate coursework across five disciplines.
Education
ESL / TEFL
History
Sport Management
Economics
Education
5 tools
#67→
Backward-Design Lesson Builder
Scaffold a lesson using Understanding by Design: Stage 1 Desired Results, Stage 2 Assessment Evidence, Stage 3 Learning Plan. The UbD framework is named at every step.
#68→
Assessment Item Writer + Distractor Analyzer
Generate MC items aligned to Bloom’s taxonomy and classify each distractor by error type — so every wrong answer teaches something about what students don’t yet know.
#69→
Classroom Decision Simulator
Four branching real-classroom scenarios — disengaged student, pacing crisis, challenge question, authority test — with pedagogy-grounded feedback on every choice.
#70→
GT Differentiation Designer
Adapt a standard lesson for gifted and talented students via curriculum compacting, enrichment strategies (depth, complexity, abstraction, open-endedness), and acceleration options.
#71→
First-Time Instructor Toolkit
Generate a syllabus framework, Week 1 plan, and grading rubric starter from your course inputs. Built for instructors of record — not TAs.
ESL / TEFL
5 tools
#72→
CEFR Text Leveler
Paste any text and get a rules-based CEFR readability analysis: sentence length, vocabulary frequency tier, grammar structure flags, and specific simplification suggestions for A2/B1/B2 target levels.
#73→
L1-Interference Spotter
Eight Mandarin→English transfer error categories — articles, tense vs. aspect, topic-comment order, copula omission, classifiers, phonology, question formation, negation — with examples, corrections, and teaching tips.
#74→
Error-Correction Triage
Classify student errors as global vs. local, decide when to correct and how — using the six Lyster-Ranta corrective feedback techniques with SLA research rationale for each.
#75→
TKT Framework Lesson Stager
Generate a complete EFL lesson plan using PPP (Present-Practice-Produce), TBL (Task-Based Learning), or ESA (Engage-Study-Activate) — with timing, activity types, CCQs, and ICQs.
#99→
L1-Interference Spotter: Spanish→English
9 Spanish→English transfer error categories with CEFR context, correction strategies, and work sample tagger. Covers false cognates, ser/estar mapping, subjunctive gaps, article omission, and heritage-speaker patterns.
History
4 tools
#76→
Primary Source Workbench
SOAPSTone analysis framework, provenance checklist, bias inventory, and corroboration prompts for any historical document. Five embedded sources or paste your own.
#77→
Historiography Comparator
Pick one of 10 historical events. See how five schools — Traditional, Annales, Marxist, Revisionist, Postmodern — would each interpret it. Includes a thesis-statement builder.
#78→
Anachronism Detector
Check a claim or fiction excerpt against 80+ invention, institution, and language-origin dates. Flags out-of-period terms with source notes. Includes a “spot the anachronism” quiz.
#79→
Counterfactual Stress-Tester
Five-step framework for rigorous “what if” history: evidence constraints, nearest possible world, first-order effects, second-order effects, and magnitude calibration. Flags five common counterfactual fallacies.
Sport Management
4 tools
#80→
Franchise vs. P/R Comparator
Eight-dimension comparison of closed franchise (NFL/NBA/MLB) vs. open promotion/relegation (EPL/Bundesliga): competitive balance, investment incentives, revenue distribution, fan culture, and labor relations. 2024 financial data embedded.
#81→
Survey Study Designer
Five-stage survey research workflow: research question sharpening, sampling strategy and sample-size estimation, instrument design with Likert builder, pilot plan, and analysis plan with SPSS paths and APA reporting templates.
#82→
Payroll Efficiency Classroom
Guided lesson teaching $/fWAR efficiency (Moneyball for the masses): what WAR measures, why $/win varies, how to read a team report card. Embedded 2024 MLB payroll and WAR data. Ends with a budget-constrained “GM for a Day” exercise.
#83→
Umpire Accuracy Lab
34,294 incorrect ball-strike calls per 2018 season; 14 per game; two-strike count bias. Measurement lesson on error rates and performance evaluation, plus a structured ABS debate with argument prompts for both sides.
Economics
6 tools
#84→
Micro Theory Sandbox
Interactive SVG supply-and-demand diagrams with demand/supply shifter sliders, price floor/ceiling interventions, and consumer/producer surplus. Tab 2: cost curves (ATC/AVC/MC) and market structure selector.
#85→
US Macro Dashboard
Interactive SVG line charts for US GDP growth, CPI inflation, unemployment, and federal funds rate 1960–2024. NBER recession shading, decade zoom, normalized overlay of all four indicators, and decade snapshot cards.
#86→
Phillips Curve Explorer
Interactive scatter plot of US unemployment vs. inflation 1960–2024, color-coded by decade. Shows when the trade-off held, when stagflation broke it, and what the flat 2010s curve and 2021–22 surge reveal.
#87→
Recession Anatomy Lab
Six US recessions (1973–2020) dissected: GDP decline, unemployment peak, cause, policy response, recovery length. SVG comparison bar chart, full timeline with GDP overlay, and ±3-year sparklines per recession.
#88→
Principles of Economics Refresher
Interactive Econ 101/102 review: supply-demand sandbox with directional-change quiz, GDP accounting (C+I+G+NX) with component sliders, market structures comparison table, and 30-card key-terms flashcard deck.
#100→
Game Theory Payoff Matrix Builder
Build 2×2 or 3×3 payoff matrices, solve for Nash equilibria and dominant strategies, classify the game type. Covers Prisoner’s Dilemma, Coordination, Stag Hunt, Chicken, and mixed-strategy equilibria with step-by-step solution display.
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