Calculation disclaimer

All displayed amounts come from deterministic code and versioned rules. AI may assist source-change classification, but cannot publish rules or calculate financial results.

Source-backed does not mean independently verified. Calculations are annual estimates and may differ from payroll rounding. Unsupported situations return an incomplete-rule-set response.

A tax-saving scenario can reduce spendable income and lock funds away. A tax-efficiency indicator does not determine whether an investment is suitable for you.