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Financials"},"license":"MIT","homepage":"https://github.com/GibsonNeo/deanfi-calculators#readme","keywords":["financial-calculators","retirement-calculator","debt-calculator","mortgage-calculator","loan-calculator","401k-calculator","social-security","debt-payoff","finance","typescript"],"repository":{"type":"git","url":"git+https://github.com/GibsonNeo/deanfi-calculators.git"},"description":"Transparent financial calculator library used by DeanFinancials.com","maintainers":[{"name":"gibsonneo","email":"wesdean13@gmail.com"}],"readme":"# DeanFinancials Calculator Library\n\n**Transparent financial calculators used on DeanFinancials.com**\n\nThis library contains the exact calculation logic used on the DeanFinancials.com website, allowing for public verification of accuracy. All calculators are implemented as pure TypeScript functions with no external dependencies.\n\n## Purpose\n\nThis repository exists for **transparency**. Anyone can review the exact formulas and logic used for financial calculations on DeanFinancials.com. This allows:\n\n- **Verification** - Confirm calculations are mathematically sound\n- **Trust** - See exactly how numbers are derived\n- **Education** - Learn the formulas behind common financial calculations\n- **Reproducibility** - Run the same calculations independently\n\n## Installation\n\n```bash\nnpm install @deanfinancials/calculators\n```\n\n## Available Calculators\n\n### Retirement Planning\n\n#### 1. Retirement Savings Calculator\nCalculate projected retirement balance with compound interest.\n\n```typescript\nimport { calculateRetirementBalance, calculateDetailedProjection } from '@deanfinancials/calculators';\n\n// Simple balance projection\nconst balance = calculateRetirementBalance({\n currentAge: 30,\n retirementAge: 65,\n currentBalance: 50000,\n monthlyContribution: 500,\n annualReturn: 7,\n inflationRate: 2.5\n});\n\n// Detailed year-by-year projection\nconst projection = calculateDetailedProjection({\n currentAge: 30,\n retirementAge: 65,\n currentBalance: 50000,\n monthlyContribution: 500,\n annualReturn: 7,\n inflationRate: 2.5\n});\n```\n\n**Formula**: Compound interest with monthly contributions\n```\nFV = PV × (1 + r)^n + PMT × [((1 + r)^n - 1) / r]\n```\n\n#### 2. Withdrawal Strategy Calculator\nCompare fixed vs dynamic withdrawal strategies in retirement.\n\n```typescript\nimport { calculateWithdrawalStrategy } from '@deanfinancials/calculators';\n\nconst simulation = calculateWithdrawalStrategy({\n startingBalance: 1000000,\n annualReturn: 7,\n inflationRate: 2.5,\n yearsInRetirement: 30,\n withdrawalType: 'fixed', // or 'dynamic'\n fixedWithdrawalAmount: 40000,\n dynamicWithdrawalRate: 4\n});\n\nconsole.log(simulation.successProbability); // Based on Trinity Study\nconsole.log(simulation.yearlyData); // Year-by-year projections\n```\n\n**Methods**:\n- **Fixed**: Same dollar amount adjusted for inflation\n- **Dynamic**: Percentage of remaining balance (recalculates annually)\n\n#### 3. Social Security Calculator\nCalculate benefits based on claiming age using official SSA rules.\n\n```typescript\nimport { calculateClaimingStrategy, calculateBreakEven } from '@deanfinancials/calculators';\n\nconst strategy = calculateClaimingStrategy({\n monthlyBenefitAtFRA: 2000,\n birthYear: 1960,\n claimAge: 70\n});\n\nconst breakEven = calculateBreakEven({\n monthlyBenefitAtFRA: 2000,\n birthYear: 1960,\n earlyClaimAge: 62,\n lateClaimAge: 70\n});\n```\n\n**SSA Rules**:\n- **Full Retirement Age (FRA)**: 67 for those born 1960+\n- **Early claiming**: 5/9% reduction per month (first 36 months), then 5/12% per month\n- **Delayed credits**: 8% increase per year after FRA (until age 70)\n\n#### 4. 401(k) vs IRA Comparison\nCompare Traditional and Roth accounts with employer match.\n\n```typescript\nimport { compareAllAccounts } from '@deanfinancials/calculators';\n\nconst comparison = compareAllAccounts({\n currentAge: 30,\n retirementAge: 65,\n annualContribution: 6000,\n employerMatch: 0.5, // 50% match\n employerMatchLimit: 0.06, // Up to 6% of salary\n annualSalary: 100000,\n annualReturn: 7,\n currentTaxRate: 22,\n retirementTaxRate: 15\n});\n\nconsole.log(comparison.traditional401k);\nconsole.log(comparison.roth401k);\nconsole.log(comparison.traditionalIRA);\nconsole.log(comparison.rothIRA);\n```\n\n**Key Differences**:\n- **Traditional**: Tax deduction now, taxed in retirement\n- **Roth**: After-tax contributions, tax-free withdrawals\n- **401(k)**: Employer match available\n- **IRA**: No employer match\n\n#### 5. RMD Calculator (Required Minimum Distribution)\nCalculate required minimum distributions from retirement accounts using IRS life expectancy tables, with multi-year projections, spouse beneficiary rules, and tax impact analysis.\n\n```typescript\nimport { \n calculateRMD,\n calculateMultipleAccountRMDs,\n estimateRMDTaxImpact,\n analyzeQCDOpportunity,\n getRMDStartAge,\n type RMDInputs,\n type RMDResult,\n type YearlyRMDProjection,\n UNIFORM_LIFETIME_TABLE,\n JOINT_LIFE_TABLE\n} from '@deanfinancials/calculators';\n\n// Calculate RMD for a single account\nconst result = calculateRMD({\n birthYear: 1955,\n accountBalance: 500000,\n spouseBirthYear: 1970, // Optional: spouse's birth year\n spouseIsSoleBeneficiary: true, // Optional: spouse is sole beneficiary\n expectedReturnRate: 0.06, // 6% expected return\n projectionYears: 20, // Project 20 years forward\n accountType: 'traditional_ira' // Account type\n});\n\nconsole.log(result.currentRMD); // Current year's required distribution\nconsole.log(result.distributionPeriod); // Life expectancy factor used\nconsole.log(result.currentAge); // Account holder's current age\nconsole.log(result.rmdStartAge); // Age when RMDs begin (73 or 75)\nconsole.log(result.rmdStartYear); // Year when RMDs begin\nconsole.log(result.rmdRequired); // Whether RMDs are currently required\nconsole.log(result.yearsUntilRMD); // Years until first RMD (0 if required)\nconsole.log(result.usingJointLifeTable); // True if spouse >10 years younger\nconsole.log(result.firstRMDDeadline); // \"April 1, 2029\" or similar\nconsole.log(result.rmdPercentage); // RMD as % of balance\nconsole.log(result.penaltyRate); // 25% penalty for missed RMDs\nconsole.log(result.warnings); // Important notices\n\n// Year-by-year projections\nconsole.log(result.projections); // Array of YearlyRMDProjection\n// Each projection: { year, age, startBalance, rmd, distributionPeriod, \n// rmdPercentage, endBalance, growth, isFirstRMDYear, deadline }\nconsole.log(result.totalProjectedRMDs); // Sum of all projected RMDs\nconsole.log(result.totalProjectedGrowth); // Sum of all projected growth\nconsole.log(result.finalProjectedBalance); // Ending balance after projections\n\n// Calculate RMDs across multiple accounts\nconst multiAccount = calculateMultipleAccountRMDs([\n { birthYear: 1955, accountBalance: 300000, accountType: 'traditional_ira', accountLabel: 'Traditional IRA' },\n { birthYear: 1955, accountBalance: 200000, accountType: '401k', accountLabel: 'Old 401(k)' }\n]);\n\nconsole.log(multiAccount.totalRMD); // Combined RMD across all accounts\nconsole.log(multiAccount.totalBalance); // Total balance across accounts\nconsole.log(multiAccount.accounts); // Individual account results\nconsole.log(multiAccount.combinedProjections); // Aggregated year-by-year projections\nconsole.log(multiAccount.warnings); // Including IRA aggregation note\n\n// Estimate tax impact of RMD\nconst taxImpact = estimateRMDTaxImpact(\n 20000, // RMD amount\n 50000, // Other taxable income\n 'married_joint' // Filing status\n);\n\nconsole.log(taxImpact.federalTax); // Estimated federal tax on RMD\nconsole.log(taxImpact.marginalRate); // Your marginal tax bracket\nconsole.log(taxImpact.effectiveRate); // Effective rate on RMD\nconsole.log(taxImpact.stateNote); // Note about state taxes\n\n// Analyze QCD (Qualified Charitable Distribution) opportunity\nconst qcdAnalysis = analyzeQCDOpportunity(\n 1952, // Birth year (must be 70.5+)\n 25000, // RMD amount\n 0.24 // Marginal tax rate\n);\n\nconsole.log(qcdAnalysis.qcdAvailable); // Whether eligible for QCD\nconsole.log(qcdAnalysis.maxQCDAmount); // $105,000 (2024 limit)\nconsole.log(qcdAnalysis.rmdSatisfiedByQCD); // Amount of RMD covered by QCD\nconsole.log(qcdAnalysis.potentialTaxSavings); // Tax savings if RMD done as QCD\nconsole.log(qcdAnalysis.notes); // QCD rules and requirements\n\n// Get RMD starting age based on birth year\nconst startAge = getRMDStartAge(1955); // 73 (born 1951-1959)\nconst laterStartAge = getRMDStartAge(1965); // 75 (born 1960+)\n```\n\n**Account Types Requiring RMDs**:\n- Traditional IRA, SEP IRA, SIMPLE IRA\n- 401(k), 403(b), 457(b)\n- Inherited IRA (10-year rule for most beneficiaries)\n- Inherited Roth IRA (10-year rule)\n\n**Accounts Exempt from RMDs**:\n- Roth IRA (during owner's lifetime)\n- Roth 401(k) (exempt starting 2024 per SECURE Act 2.0)\n\n**SECURE Act 2.0 RMD Age Rules**:\n| Birth Year | RMD Starting Age |\n|------------|------------------|\n| 1950 or earlier | 72 |\n| 1951-1959 | 73 |\n| 1960 or later | 75 |\n\n**Key Deadlines**:\n- **First RMD**: Due by April 1 of year after reaching RMD age\n- **Subsequent RMDs**: Due by December 31 of each year\n- **Penalty**: 25% excise tax (reduced to 10% if corrected within 2 years)\n\n**IRS Life Expectancy Tables**:\n- **Uniform Lifetime Table (Table III)**: Default for most account owners\n- **Joint Life Table (Table II)**: Used when spouse is sole beneficiary AND more than 10 years younger\n\n**QCD (Qualified Charitable Distribution) Benefits**:\n- Available at age 70½ (before RMD age)\n- Up to $105,000 per year (2024 limit)\n- Counts toward RMD but excluded from taxable income\n- Only applies to IRAs (not 401k/403b)\n\n**Features**:\n- Full IRS life expectancy tables (Uniform and Joint Life)\n- Spouse more than 10 years younger calculation\n- Multi-year projections with expected returns\n- Multi-account aggregation with IRA combination note\n- Tax impact estimation by filing status\n- QCD opportunity analysis\n- SECURE Act 2.0 compliant age rules\n- Penalty rate information\n\n#### 6. Roth IRA Conversion Calculator\nAnalyze the tax implications of converting Traditional IRA or 401(k) funds to a Roth IRA, with break-even analysis, optimal conversion strategies, bracket-filling recommendations, and multi-year projections.\n\n```typescript\nimport { \n calculateRothConversion,\n calculateTaxImpact,\n calculateBreakEvenRoth,\n calculateOptimalConversion,\n calculateBracketFillingAmount,\n generateProjections,\n compareConversionScenarios,\n type RothConversionInputs,\n type RothConversionResult,\n type RothFilingStatus,\n type ConvertibleAccountType,\n type TaxImpact,\n type BreakEvenAnalysis,\n type OptimalConversion,\n type RothYearlyProjection,\n FEDERAL_TAX_BRACKETS_2024,\n FEDERAL_TAX_BRACKETS_2025,\n STANDARD_DEDUCTIONS_2024\n} from '@deanfinancials/calculators';\n\n// Full Roth conversion analysis\nconst result = calculateRothConversion({\n // Account information\n traditionalBalance: 500000, // Current Traditional IRA/401k balance\n conversionAmount: 50000, // Amount to convert this year\n accountType: 'traditional_ira', // Account type being converted\n \n // Personal information\n currentAge: 55,\n retirementAge: 65,\n filingStatus: 'married_joint',\n \n // Income information\n currentTaxableIncome: 120000, // Other taxable income this year\n retirementTaxableIncome: 60000, // Expected retirement income\n \n // Tax assumptions\n currentStateTaxRate: 0.05, // 5% state tax\n retirementStateTaxRate: 0.05, // May differ if relocating\n taxYear: 2024,\n \n // Growth assumptions\n expectedReturnRate: 0.07, // 7% annual return\n \n // Optional: source for tax payment\n payTaxFromConversion: false, // Pay taxes from outside funds (recommended)\n taxPaymentSource: 'external' // 'external' or 'conversion'\n});\n\n// Conversion summary\nconsole.log(result.conversionAmount); // $50,000\nconsole.log(result.traditionalBalance); // $500,000 original balance\nconsole.log(result.remainingTraditionalBalance); // $450,000 after conversion\n\n// Tax impact of the conversion\nconsole.log(result.taxImpact.federalTax); // Federal tax on conversion\nconsole.log(result.taxImpact.stateTax); // State tax on conversion\nconsole.log(result.taxImpact.totalTax); // Combined tax due\nconsole.log(result.taxImpact.effectiveRate); // Effective tax rate on conversion\nconsole.log(result.taxImpact.marginalBracket); // Tax bracket the conversion pushes you into\nconsole.log(result.taxImpact.bracketStart); // Where current bracket begins\nconsole.log(result.taxImpact.bracketEnd); // Where current bracket ends\nconsole.log(result.taxImpact.amountInHigherBracket); // Amount taxed at higher rate\n\n// Break-even analysis\nconsole.log(result.breakEvenAnalysis.breakEvenYears); // Years until Roth is better\nconsole.log(result.breakEvenAnalysis.totalTaxNow); // Tax cost of converting now\nconsole.log(result.breakEvenAnalysis.projectedTaxSavings); // Tax savings in retirement\nconsole.log(result.breakEvenAnalysis.netBenefit); // Net benefit of conversion\nconsole.log(result.breakEvenAnalysis.worthConverting); // Boolean recommendation\n\n// Optimal conversion recommendation\nconsole.log(result.optimalConversion.recommendedAmount); // Suggested conversion amount\nconsole.log(result.optimalConversion.reasoning); // Explanation\nconsole.log(result.optimalConversion.stayInCurrentBracket); // Amount to stay in bracket\nconsole.log(result.optimalConversion.fillNextBracket); // Amount to fill next bracket\nconsole.log(result.optimalConversion.maxBeforeAGIPenalties); // IRMAA/NIIT thresholds\n\n// Bracket-filling strategy (unique feature!)\nconsole.log(result.bracketFillingStrategy.currentBracket); // Current tax bracket\nconsole.log(result.bracketFillingStrategy.roomInBracket); // Space left in current bracket\nconsole.log(result.bracketFillingStrategy.fillToTopOfBracket); // Conversion to fill bracket\nconsole.log(result.bracketFillingStrategy.nextBracketRate); // Rate if you exceed\nconsole.log(result.bracketFillingStrategy.taxOnFillAmount); // Tax if you fill bracket\n\n// Multi-year projections\nconsole.log(result.projections); // Year-by-year comparison\n// Each projection: { year, age, traditionalBalance, rothBalance, \n// traditionalWithdrawal, rothWithdrawal,\n// traditionalTax, rothTax, cumulativeTaxSavings }\n\n// Scenario comparison (no conversion vs partial vs full)\nconsole.log(result.scenarioComparison);\n// { noConversion: {...}, partialConversion: {...}, fullConversion: {...}, \n// recommendation: 'partial', reasoning: '...' }\n\n// Warnings and recommendations\nconsole.log(result.warnings); // Important considerations\nconsole.log(result.recommendations); // Personalized advice\n\n// Calculate tax impact for a specific conversion amount\nconst taxImpact = calculateTaxImpact(\n 50000, // Conversion amount\n 120000, // Current taxable income\n 'married_joint', // Filing status\n 0.05, // State tax rate\n 2024 // Tax year\n);\n\nconsole.log(taxImpact.federalTax); // $11,000\nconsole.log(taxImpact.totalTax); // $13,500 (with state)\nconsole.log(taxImpact.effectiveRate); // 27%\n\n// Calculate break-even point\nconst breakEven = calculateBreakEvenRoth(\n 50000, // Conversion amount\n 13500, // Tax paid now\n 0.07, // Expected return\n 0.22, // Current marginal rate\n 0.15 // Expected retirement rate\n);\n\nconsole.log(breakEven.breakEvenYears); // ~12 years\nconsole.log(breakEven.worthConverting); // true\n\n// Calculate optimal conversion (bracket-filling)\nconst optimal = calculateOptimalConversion(\n 120000, // Current taxable income\n 'married_joint', // Filing status\n 2024 // Tax year\n);\n\nconsole.log(optimal.recommendedAmount); // $81,050 (fills 22% bracket)\nconsole.log(optimal.stayInCurrentBracket); // Amount to stay in 22%\n\n// Calculate exact bracket-filling amount\nconst bracketFill = calculateBracketFillingAmount(\n 120000, // Current taxable income\n 'married_joint', // Filing status\n 2024 // Tax year\n);\n\nconsole.log(bracketFill.roomInBracket); // $81,050 until 24% bracket\nconsole.log(bracketFill.fillToTopOfBracket); // $81,050 recommended conversion\nconsole.log(bracketFill.taxOnFillAmount); // $17,831 (at 22%)\n\n// Generate multi-year projections\nconst projections = generateProjections({\n traditionalBalance: 500000,\n rothBalance: 0,\n conversionAmount: 50000,\n currentAge: 55,\n retirementAge: 65,\n expectedReturnRate: 0.07,\n currentTaxRate: 0.22,\n retirementTaxRate: 0.15,\n projectionYears: 20\n});\n\nconsole.log(projections); // 20-year projection array\n\n// Compare multiple conversion scenarios\nconst scenarios = compareConversionScenarios({\n traditionalBalance: 500000,\n currentAge: 55,\n retirementAge: 65,\n currentTaxableIncome: 120000,\n filingStatus: 'married_joint',\n expectedReturnRate: 0.07,\n currentStateTaxRate: 0.05,\n retirementTaxRate: 0.15\n}, [0, 25000, 50000, 81050, 100000]); // Compare different amounts\n\nconsole.log(scenarios.bestScenario); // Index of optimal scenario\nconsole.log(scenarios.scenarios); // Full results for each amount\n```\n\n**Filing Statuses**: `single`, `married_joint`, `married_separate`, `head_of_household`\n\n**Account Types**: `traditional_ira`, `401k`, `403b`, `sep_ira`, `simple_ira`\n\n**2024 Federal Tax Brackets (Married Filing Jointly)**:\n| Bracket | Income Range | Conversion Strategy |\n|---------|--------------|---------------------|\n| 10% | $0 - $23,200 | Convert up to bracket top |\n| 12% | $23,200 - $94,300 | Good conversion opportunity |\n| 22% | $94,300 - $201,050 | Common target bracket |\n| 24% | $201,050 - $383,900 | Consider if retirement rate is 22%+ |\n| 32%+ | $383,900+ | Usually avoid unless special circumstances |\n\n**Standard Deductions (2024)**:\n- Single: $14,600\n- Married Filing Jointly: $29,200\n- Married Filing Separately: $14,600\n- Head of Household: $21,900\n\n**When to Consider Roth Conversion**:\n- Lower income year (job loss, early retirement, sabbatical)\n- Expect higher tax rates in retirement\n- Want tax-free growth for heirs\n- Reducing future RMD burden\n- Years before RMDs begin (can spread conversions)\n\n**Key Thresholds to Watch**:\n- **IRMAA (Medicare Surcharges)**: Income > $103,000 (single) / $206,000 (married)\n- **NIIT (3.8% Net Investment Tax)**: Income > $200,000 (single) / $250,000 (married)\n- **Capital Gains 0% Rate**: Stay below 12% bracket for 0% LTCG\n\n**Features That Competitors Don't Have**:\n- **Bracket-filling strategy**: Exact amount to convert to fill current bracket\n- Multi-year projections comparing traditional vs Roth paths\n- Scenario comparison (no/partial/full conversion)\n- IRMAA and NIIT threshold warnings\n- State tax integration\n- Break-even analysis with years until benefit\n- Account type support (IRA, 401k, 403b, SEP, SIMPLE)\n- Tax payment source comparison (internal vs external)\n\n### Debt Management\n\n#### 6. Debt Payoff Strategy\nCompare avalanche (highest interest first) vs snowball (smallest balance first) methods.\n\n```typescript\nimport { calculateDebtPayoff, comparePayoffStrategies } from '@deanfinancials/calculators';\n\nconst debts = [\n { name: 'Credit Card 1', balance: 5000, interestRate: 18, minimumPayment: 150 },\n { name: 'Credit Card 2', balance: 3000, interestRate: 24, minimumPayment: 90 },\n { name: 'Car Loan', balance: 15000, interestRate: 5, minimumPayment: 300 }\n];\n\nconst comparison = comparePayoffStrategies({\n debts,\n extraPayment: 500\n});\n\nconsole.log(comparison.avalanche); // Saves more on interest\nconsole.log(comparison.snowball); // Faster psychological wins\n```\n\n**Strategies**:\n- **Avalanche**: Target highest interest rate (saves most money)\n- **Snowball**: Target smallest balance (motivational wins)\n\n#### 7. Debt-to-Income Ratio\nCalculate DTI for mortgage qualification.\n\n```typescript\nimport { calculateDTI } from '@deanfinancials/calculators';\n\nconst dti = calculateDTI({\n monthlyIncome: 8000,\n monthlyHousingCosts: 2000,\n monthlyDebtPayments: 800\n});\n\nconsole.log(dti.frontEndRatio); // Housing / Income\nconsole.log(dti.backEndRatio); // All debts / Income\nconsole.log(dti.rating); // excellent, good, fair, poor, concerning\n```\n\n**Benchmarks**:\n- **Excellent**: ≤20%\n- **Good**: ≤36% (conventional loan standard)\n- **Fair**: ≤43% (FHA loan limit)\n- **Poor**: ≤50%\n\n#### 8. Credit Card Payoff\nCompare minimum payment vs fixed payment strategies.\n\n```typescript\nimport { compareCreditCardStrategies } from '@deanfinancials/calculators';\n\nconst comparison = compareCreditCardStrategies({\n balance: 5000,\n interestRate: 18,\n minimumPaymentPercentage: 2,\n minimumPaymentFloor: 25,\n fixedPayment: 200\n});\n\nconsole.log(comparison.minimumPayment.monthsToPayoff);\nconsole.log(comparison.fixedPayment.monthsToPayoff);\nconsole.log(comparison.interestSavings);\n```\n\n**Minimum Payment Formula**:\n```\nmax(balance × percentage, floor amount)\n```\n\n#### 9. Loan Calculator\nCalculate monthly payments and amortization schedule.\n\n```typescript\nimport { calculateMonthlyPayment, calculateLoanAmortization } from '@deanfinancials/calculators';\n\nconst payment = calculateMonthlyPayment({\n principal: 20000,\n interestRate: 5,\n termMonths: 60\n});\n\nconst amortization = calculateLoanAmortization({\n principal: 20000,\n interestRate: 5,\n termMonths: 60,\n extraPayment: 100\n});\n```\n\n**Monthly Payment Formula**:\n```\nM = P × [r(1 + r)^n] / [(1 + r)^n - 1]\n\nWhere:\nM = Monthly payment\nP = Principal\nr = Monthly interest rate\nn = Number of months\n```\n\n#### 10. Mortgage Calculator\nComprehensive mortgage calculator with P&I, taxes, insurance, PMI, and HOA.\n\n```typescript\nimport { calculateMortgage, calculateAffordableHome } from '@deanfinancials/calculators';\n\nconst mortgage = calculateMortgage({\n homePrice: 400000,\n downPayment: 80000, // 20%\n interestRate: 6.5,\n loanTermYears: 30,\n propertyTaxRate: 1.2,\n homeInsurance: 1200,\n hoaFees: 0,\n extraPayment: 200\n});\n\nconsole.log(mortgage.monthlyPrincipalInterest);\nconsole.log(mortgage.totalMonthlyPayment); // Includes PITI\nconsole.log(mortgage.requiresPMI); // false (20% down)\n\n// Calculate affordable home price\nconst affordable = calculateAffordableHome(\n 8000, // Monthly income\n 500, // Other debts\n 80000, // Down payment\n 6.5, // Interest rate\n 30 // Term years\n);\n```\n\n**PMI Rules**:\n- Required when down payment < 20%\n- Typically 0.5% - 1% of loan amount annually\n- Automatically removed when equity reaches 20%\n\n**28/36 Rule** (affordability):\n- Housing costs ≤ 28% of gross income\n- All debts ≤ 36% of gross income\n\n### Investment\n\n#### 11. Compound Interest Calculator\nCalculate compound interest growth with various compounding frequencies and contribution timing.\n\n```typescript\nimport { \n calculateCompoundInterest, \n compareCompoundInterestScenarios,\n calculateEffectiveAnnualRate,\n calculateYearsToDouble \n} from '@deanfinancials/calculators';\n\n// Calculate compound growth\nconst result = calculateCompoundInterest({\n principal: 10000,\n annualRate: 7,\n years: 30,\n monthlyContribution: 500,\n compoundingFrequency: 'monthly',\n contributionTiming: 'beginning'\n});\n\nconsole.log(result.finalBalance); // Total ending balance\nconsole.log(result.totalContributions); // Sum of all contributions\nconsole.log(result.totalInterest); // Interest earned\nconsole.log(result.effectiveAnnualRate); // APY\nconsole.log(result.yearlyBreakdown); // Year-by-year detail\n\n// Compare different scenarios\nconst scenarios = compareCompoundInterestScenarios(\n { principal: 10000, annualRate: 7, years: 30 },\n [500, 750, 1000] // Different contribution amounts\n);\n\n// Calculate effective annual rate (APY)\nconst ear = calculateEffectiveAnnualRate(7, 'monthly'); // 7.23%\n\n// Calculate time to double (Rule of 72)\nconst yearsToDouble = calculateYearsToDouble(7); // ~10.29 years\n```\n\n**Compounding Frequencies**: `annually`, `semi-annually`, `quarterly`, `monthly`, `daily`\n\n**Contribution Timing**:\n- **Beginning**: Contributions made at start of each period (more growth)\n- **End**: Contributions made at end of each period (typical paycheck timing)\n\n**Formulas**:\n```\nCompound Interest: A = P(1 + r/n)^(nt)\nEffective Annual Rate: EAR = (1 + r/n)^n - 1\nRule of 72: Years to Double ≈ 72 / rate\n```\n\n#### 13. CD Calculator (Certificate of Deposit)\nCalculate CD returns, build CD ladders, estimate early withdrawal penalties, and compare multiple CD options.\n\n```typescript\nimport { \n calculateCD,\n buildCDLadder,\n calculateEarlyWithdrawal,\n compareCDScenarios,\n type CDInputs,\n type CDResult,\n type CDLadderResult,\n type EarlyWithdrawalResult,\n type CDComparisonResult,\n type CDCompoundingFrequency,\n TYPICAL_CD_RATES,\n TYPICAL_PENALTIES\n} from '@deanfinancials/calculators';\n\n// Calculate a single CD\nconst cdResult = calculateCD({\n principal: 10000,\n apy: 0.05, // 5% as decimal\n termMonths: 12,\n compoundingFrequency: 'daily',\n federalTaxRate: 0.22, // Optional: for after-tax calculations\n stateTaxRate: 0.05, // Optional: for after-tax calculations\n inflationRate: 0.03 // Optional: for real return calculations\n});\n\nconsole.log(cdResult.maturityValue); // Final balance at maturity\nconsole.log(cdResult.totalInterest); // Total interest earned\nconsole.log(cdResult.effectiveAnnualRate); // Actual annual rate with compounding\nconsole.log(cdResult.monthlyBreakdown); // Month-by-month growth\nconsole.log(cdResult.afterTaxInterest); // Interest after taxes (if tax rates provided)\nconsole.log(cdResult.realReturn); // Inflation-adjusted return (if inflation provided)\n\n// Build a CD ladder\nconst ladder = buildCDLadder(\n 50000, // Total investment\n 5, // Number of rungs (CDs)\n 60, // Maximum term in months (5 years)\n TYPICAL_CD_RATES // Rate schedule by term\n);\n\nconsole.log(ladder.rungs); // Individual CDs with terms and rates\nconsole.log(ladder.totalMaturityValue); // Combined maturity value\nconsole.log(ladder.totalInterest); // Total interest across all CDs\nconsole.log(ladder.weightedAverageAPY); // Average rate weighted by amount\nconsole.log(ladder.liquiditySchedule); // When funds become available\n\n// Calculate early withdrawal penalty\nconst earlyWithdrawal = calculateEarlyWithdrawal(\n { principal: 10000, apy: 0.05, termMonths: 24, compoundingFrequency: 'daily' },\n 6, // Months held before withdrawal\n { type: 'months-interest', value: 6 } // 6 months interest penalty\n);\n\nconsole.log(earlyWithdrawal.valueAtWithdrawal); // Value before penalty\nconsole.log(earlyWithdrawal.penaltyAmount); // Dollar amount of penalty\nconsole.log(earlyWithdrawal.netAmount); // What you receive\nconsole.log(earlyWithdrawal.principalLoss); // Boolean: did you lose principal?\nconsole.log(earlyWithdrawal.effectiveYield); // Actual yield achieved\n\n// Compare multiple CD options\nconst comparison = compareCDScenarios([\n { label: 'Online Bank', inputs: { principal: 10000, apy: 0.052, termMonths: 12, compoundingFrequency: 'daily' } },\n { label: 'Credit Union', inputs: { principal: 10000, apy: 0.048, termMonths: 12, compoundingFrequency: 'monthly' } },\n { label: 'Local Bank', inputs: { principal: 10000, apy: 0.045, termMonths: 12, compoundingFrequency: 'quarterly' } }\n]);\n\nconsole.log(comparison.scenarios); // Full results for each option\nconsole.log(comparison.bestByInterest); // Index of best CD by interest earned\nconsole.log(comparison.bestByYield); // Index of best CD by effective yield\nconsole.log(comparison.interestDifference); // Difference between best and worst\n```\n\n**Compounding Frequencies**: `daily`, `monthly`, `quarterly`, `semi-annually`, `annually`\n\n**Early Withdrawal Penalty Types**:\n- `days-simple`: X days of simple interest (typical for short-term CDs)\n- `months-interest`: X months of interest (most common)\n- `percent-interest`: X% of earned interest\n- `custom`: Custom dollar amount\n\n**Typical Penalties by Term** (included as `TYPICAL_PENALTIES` constant):\n| Term | Typical Penalty |\n|------|-----------------|\n| 3-6 months | 90 days interest |\n| 12-18 months | 3 months interest |\n| 24-36 months | 6 months interest |\n| 48-60 months | 12 months interest |\n\n**Typical CD Rates** (included as `TYPICAL_CD_RATES` constant):\nProvides low, average, and high rates for each standard term (1, 3, 6, 9, 12, 18, 24, 36, 48, 60 months).\n\n#### 14. Net Worth Calculator\nCalculate total net worth with comprehensive asset and liability tracking, financial health scoring, and age-based wealth percentile comparisons.\n\n```typescript\nimport { \n calculateNetWorth,\n type Asset,\n type Liability,\n type NetWorthInput\n} from '@deanfinancials/calculators';\n\n// Define assets\nconst assets: Asset[] = [\n { category: 'cash', balance: 25000 },\n { category: 'investments', balance: 150000 },\n { category: 'retirement', balance: 350000 },\n { category: 'realEstate', balance: 450000 },\n { category: 'vehicles', balance: 35000 },\n { category: 'personalProperty', balance: 20000 },\n { category: 'businessEquity', balance: 0 },\n { category: 'other', balance: 10000 }\n];\n\n// Define liabilities\nconst liabilities: Liability[] = [\n { category: 'mortgage', balance: 280000 },\n { category: 'autoLoans', balance: 18000 },\n { category: 'studentLoans', balance: 45000 },\n { category: 'creditCards', balance: 5000 },\n { category: 'personalLoans', balance: 0 },\n { category: 'homeEquityLoans', balance: 0 },\n { category: 'medicalDebt', balance: 2000 },\n { category: 'other', balance: 0 }\n];\n\n// Calculate net worth with optional age and income for percentile comparison\nconst result = calculateNetWorth({\n assets,\n liabilities,\n age: 45,\n annualIncome: 120000,\n monthlySavingsRate: 2500,\n expectedReturnRate: 7\n});\n\nconsole.log(result.netWorth); // Total net worth\nconsole.log(result.totalAssets); // Sum of all assets\nconsole.log(result.totalLiabilities); // Sum of all liabilities\nconsole.log(result.liquidAssets); // Cash + Investments\nconsole.log(result.illiquidAssets); // Real estate, vehicles, etc.\nconsole.log(result.debtToAssetRatio); // Liabilities / Assets\nconsole.log(result.assetAllocation); // Breakdown by category with percentages\nconsole.log(result.liabilityAllocation); // Breakdown by category with percentages\n\n// Financial health score (0-100 with letter grade)\nconsole.log(result.financialHealth.score); // 0-100\nconsole.log(result.financialHealth.grade); // A+, A, A-, B+, B, B-, C+, C, C-, D, F\nconsole.log(result.financialHealth.rating); // excellent, good, fair, poor, critical\nconsole.log(result.financialHealth.recommendations); // Array of improvement suggestions\n\n// Age-based wealth comparison (if age provided)\nconsole.log(result.wealthPercentile?.percentile); // e.g., 72 (72nd percentile)\nconsole.log(result.wealthPercentile?.comparison); // \"above average\", \"below average\", etc.\nconsole.log(result.wealthPercentile?.medianWealth); // Median for age group\nconsole.log(result.wealthPercentile?.avgWealth); // Average for age group\n\n// 10-year projections (if savings rate and return rate provided)\nconsole.log(result.projections); // Array of year-by-year projections\n// Each projection: { year, projectedAssets, projectedLiabilities, projectedNetWorth }\n```\n\n**Asset Categories**: `cash`, `investments`, `retirement`, `realEstate`, `vehicles`, `personalProperty`, `businessEquity`, `other`\n\n**Liability Categories**: `mortgage`, `homeEquityLoans`, `autoLoans`, `studentLoans`, `creditCards`, `personalLoans`, `medicalDebt`, `other`\n\n**Financial Health Grades**:\n- **A+ to A-**: Excellent (score 90-100, 80-89, 75-79)\n- **B+ to B-**: Good (score 70-74, 65-69, 60-64)\n- **C+ to C-**: Fair (score 55-59, 50-54, 45-49)\n- **D**: Poor (score 40-44)\n- **F**: Critical (score below 40)\n\n**Wealth Percentile Data**: Based on Federal Reserve Survey of Consumer Finances (SCF) age-bracketed data\n\n#### 15. Dividend Income Calculator\nCalculate dividend income, yield, DRIP (dividend reinvestment) growth, and passive income projections with tax optimization and dividend stability assessment.\n\n```typescript\nimport { \n calculateDividendIncome,\n calculateDividendYield,\n quickDividendYield,\n calculateRequiredInvestment,\n assessDividendStability,\n calculateDividendTaxBreakdown,\n compareDividendScenarios,\n estimateYearsToGoal,\n type DividendIncomeInputs,\n type DividendIncomeResult,\n type YearlyDividendProjection,\n type DividendStabilityAssessment,\n type DividendTaxBreakdown,\n type DividendFrequency,\n type DividendTaxFilingStatus,\n type DividendStabilityRating,\n DIVIDEND_TAX_BRACKETS_2024,\n STANDARD_DEDUCTIONS_2024\n} from '@deanfinancials/calculators';\n\n// Full dividend income calculation with DRIP\nconst result = calculateDividendIncome({\n principal: 100000,\n annualDividendYield: 4, // 4% yield\n dividendFrequency: 'quarterly', // How often dividends are paid\n yearsToProject: 20,\n reinvestDividends: true, // Enable DRIP\n dividendGrowthRate: 5, // 5% annual dividend growth\n additionalInvestmentPerYear: 6000, // $500/month\n qualifiedDividendPercentage: 80, // 80% qualified (lower tax)\n taxFilingStatus: 'married-filing-jointly',\n taxableIncome: 150000,\n inflationRate: 3\n});\n\nconsole.log(result.yearlyProjections); // Year-by-year breakdown\nconsole.log(result.totalDividendsReceived); // Cumulative dividends over period\nconsole.log(result.finalPortfolioValue); // Ending portfolio value\nconsole.log(result.effectiveYieldOnCost); // Yield on original investment\nconsole.log(result.compoundedAnnualGrowthRate); // CAGR of portfolio\nconsole.log(result.yearlyIncomeAtEnd); // Annual dividend income at year 20\nconsole.log(result.monthlyIncomeAtEnd); // Monthly passive income at end\n\n// Tax breakdown\nconsole.log(result.taxBreakdown.qualifiedDividends); // Amount taxed at lower rate\nconsole.log(result.taxBreakdown.ordinaryDividends); // Amount taxed at ordinary rate\nconsole.log(result.taxBreakdown.qualifiedTaxRate); // Applied qualified rate (0%, 15%, 20%)\nconsole.log(result.taxBreakdown.estimatedTax); // Annual tax liability\nconsole.log(result.taxBreakdown.afterTaxIncome); // Net income after taxes\n\n// Each yearly projection includes:\n// { year, startingValue, dividendIncome, taxOnDividends, netDividendIncome,\n// reinvestedAmount, additionalInvestment, endingValue, yieldOnCost, \n// cumulativeDividends, inflationAdjustedIncome }\n\n// Calculate dividend yield\nconst yieldResult = calculateDividendYield({\n stockPrice: 150,\n annualDividend: 6 // $6 per share annually\n});\nconsole.log(yieldResult.dividendYield); // 4%\nconsole.log(yieldResult.quarterlyDividend); // $1.50\nconsole.log(yieldResult.monthlyEquivalent); // $0.50\n\n// Quick yield calculation\nconst quickYield = quickDividendYield(150, 6); // 4%\n\n// Calculate required investment for income goal\nconst requiredInvestment = calculateRequiredInvestment(\n 50000, // Desired annual income\n 4 // Current dividend yield\n);\nconsole.log(requiredInvestment); // $1,250,000\n\n// Assess dividend stability (unique feature!)\nconst stability = assessDividendStability({\n yearsOfConsecutiveGrowth: 25,\n averageGrowthRate: 7,\n payoutRatio: 45,\n sectorStability: 'high',\n marketCap: 'large-cap',\n hasReducedDividend: false\n});\nconsole.log(stability.stabilityScore); // 0-100 score\nconsole.log(stability.stabilityRating); // 'excellent', 'good', 'moderate', 'poor', 'risky'\nconsole.log(stability.isDividendAristocrat); // 25+ years of growth\nconsole.log(stability.isDividendKing); // 50+ years of growth\nconsole.log(stability.recommendations); // Array of insights\nconsole.log(stability.riskFactors); // Potential concerns\nconsole.log(stability.positiveFactors); // Strengths\n\n// Calculate tax breakdown for a specific dividend amount\nconst taxBreakdown = calculateDividendTaxBreakdown({\n totalDividends: 20000,\n qualifiedPercentage: 80,\n taxableIncome: 150000,\n filingStatus: 'married-filing-jointly'\n});\n\n// Compare multiple dividend scenarios\nconst scenarios = compareDividendScenarios([\n { label: 'High Yield ETF', principal: 100000, annualDividendYield: 6, dividendGrowthRate: 2 },\n { label: 'Dividend Aristocrats', principal: 100000, annualDividendYield: 3, dividendGrowthRate: 8 },\n { label: 'Balanced Portfolio', principal: 100000, annualDividendYield: 4, dividendGrowthRate: 5 }\n], 20); // Compare over 20 years\n\nconsole.log(scenarios.scenarios); // Full results for each\nconsole.log(scenarios.bestByTotalDividends); // Scenario label with most total dividends\nconsole.log(scenarios.bestByFinalValue); // Scenario label with highest ending value\nconsole.log(scenarios.bestByIncomeAtEnd); // Scenario with highest income at end\nconsole.log(scenarios.summary); // Quick comparison stats\n\n// Estimate years to reach income goal\nconst yearsNeeded = estimateYearsToGoal(\n 100000, // Current portfolio\n 50000, // Target annual income\n 4, // Current yield\n 5, // Dividend growth rate\n 6000, // Additional investment per year\n true // Reinvest dividends\n);\nconsole.log(yearsNeeded); // ~18 years\n```\n\n**Dividend Frequencies**: `monthly`, `quarterly`, `semi-annually`, `annually`\n\n**Tax Filing Statuses**: `single`, `married-filing-jointly`, `married-filing-separately`, `head-of-household`\n\n**Dividend Stability Ratings**:\n- **Excellent** (score 85-100): Dividend Kings, Aristocrats - very reliable\n- **Good** (score 70-84): Strong dividend history, low risk\n- **Moderate** (score 50-69): Reasonable stability, some risk factors\n- **Poor** (score 30-49): Higher risk, inconsistent history\n- **Risky** (score 0-29): High probability of dividend cut\n\n**Qualified Dividend Tax Rates (2024)**:\n| Filing Status | 0% Rate | 15% Rate | 20% Rate |\n|---------------|---------|----------|----------|\n| Single | Up to $47,025 | $47,026 - $518,900 | Over $518,900 |\n| Married Filing Jointly | Up to $94,050 | $94,051 - $583,750 | Over $583,750 |\n| Head of Household | Up to $63,000 | $63,001 - $551,350 | Over $551,350 |\n\n**Features That Competitors Don't Have**:\n- Dividend Stability Score (0-100) with risk assessment\n- Dividend Aristocrat/King detection\n- DRIP vs non-DRIP comparison\n- Qualified vs ordinary dividend tax optimization\n- Inflation-adjusted income projections\n- Yield on cost tracking (effective yield on original investment)\n- Multi-scenario comparison for portfolio strategies\n- Years-to-goal calculator for passive income targets\n\n### Budget\n\n#### 16. Savings Goal Calculator\nCalculate how much to save monthly to reach any financial goal with milestone tracking.\n\n```typescript\nimport { \n calculateSavingsGoal,\n calculateTimeToGoal,\n calculateEmergencyFundGoal,\n calculateDownPaymentGoal,\n compareSavingsScenarios\n} from '@deanfinancials/calculators';\n\n// Calculate savings plan for a goal\nconst result = calculateSavingsGoal({\n goalAmount: 50000,\n currentSavings: 5000,\n yearsToGoal: 3,\n expectedReturnRate: 5,\n contributionFrequency: 'monthly',\n goalType: 'home-down-payment'\n});\n\nconsole.log(result.requiredContribution); // Amount per contribution period\nconsole.log(result.monthlyContribution); // Monthly amount needed\nconsole.log(result.totalContributions); // Sum of all contributions\nconsole.log(result.totalReturns); // Interest/returns earned\nconsole.log(result.projectedBalance); // Final balance\nconsole.log(result.milestones); // 25%, 50%, 75%, 100% markers\nconsole.log(result.yearlyProgress); // Year-by-year breakdown\n\n// Calculate time needed to reach a goal\nconst timeToGoal = calculateTimeToGoal(\n 50000, // Goal amount\n 5000, // Current savings\n 1000, // Monthly contribution\n 5 // Expected return rate\n);\nconsole.log(timeToGoal.years); // Years to goal\nconsole.log(timeToGoal.months); // Additional months\nconsole.log(timeToGoal.totalMonths); // Total months\n\n// Emergency fund calculator (3-6 months expenses)\nconst emergencyFund = calculateEmergencyFundGoal(\n 5000, // Monthly expenses\n 6 // Months of coverage\n);\nconsole.log(emergencyFund); // Target amount: $30,000\n\n// Down payment calculator (with closing costs)\nconst downPayment = calculateDownPaymentGoal(\n 400000, // Home price\n 20, // Down payment percentage (20%)\n true // Include 3% closing costs\n);\nconsole.log(downPayment); // Target amount: $92,000\n\n// Compare different savings scenarios\nconst scenarios = compareSavingsScenarios([\n { goalAmount: 50000, currentSavings: 5000, yearsToGoal: 3, expectedReturnRate: 3 },\n { goalAmount: 50000, currentSavings: 5000, yearsToGoal: 3, expectedReturnRate: 5 },\n { goalAmount: 50000, currentSavings: 5000, yearsToGoal: 3, expectedReturnRate: 7 }\n]);\n```\n\n**Goal Types**: `emergency-fund`, `home-down-payment`, `vacation`, `car`, `education`, `wedding`, `retirement`, `custom`\n\n**Contribution Frequencies**: `weekly`, `bi-weekly`, `monthly`, `quarterly`, `annually`\n\n**Features**:\n- Milestone tracking (25%, 50%, 75%, 100%)\n- Year-by-year progress breakdown with status (on-track, ahead, behind)\n- Scenario comparison with different contribution levels\n- Specialized calculators for emergency funds and down payments\n- Achievability warnings for difficult goals\n\n#### 17. Emergency Fund Calculator\nCalculate personalized emergency fund recommendations based on your risk profile, with savings plans and milestone tracking.\n\n```typescript\nimport { \n calculateEmergencyFund,\n quickEmergencyFund,\n timeToEmergencyFund,\n getRecommendedMonths,\n type EmergencyFundInputs,\n type EmergencyFundResult,\n type ExpenseEntry,\n type EmploymentType,\n EXPENSE_CATEGORY_NAMES\n} from '@deanfinancials/calculators';\n\n// Full calculation with risk assessment\nconst result = calculateEmergencyFund({\n expenses: 4500, // Monthly essential expenses\n currentSavings: 5000, // Current emergency fund balance\n monthlyIncome: 7000, // After-tax income\n employmentType: 'stable-employed', // Employment stability\n incomeSources: 1, // Number of income sources\n dependents: 2, // Number of dependents\n hasDisabilityInsurance: true, // Has disability coverage\n hasSeveranceProtection: false, // Severance or union protections\n expectedJobSearchMonths: 4, // Months to find new job if laid off\n monthlySavingsCapacity: 800 // How much can be saved monthly\n});\n\nconsole.log(result.monthlyExpenses); // $4,500\nconsole.log(result.recommendedTarget); // $27,000 (6 months based on risk)\nconsole.log(result.minimumTarget); // $13,500 (3 months minimum)\nconsole.log(result.conservativeTarget); // $40,500 (9 months conservative)\nconsole.log(result.currentCoverage); // 1.11 months covered\nconsole.log(result.fundingGap); // $22,000 still needed\nconsole.log(result.percentComplete); // 18.5%\n\n// Risk assessment results\nconsole.log(result.riskAssessment.riskScore); // 1-10 scale\nconsole.log(result.riskAssessment.riskLevel); // 'low', 'moderate', 'high', 'very-high'\nconsole.log(result.riskAssessment.recommendedMonths); // 6 months\nconsole.log(result.riskAssessment.riskFactors); // ['2 dependents to support', 'Single income']\nconsole.log(result.riskAssessment.protectiveFactors); // ['Disability insurance']\n\n// Milestones\nconsole.log(result.milestones); // Progress milestones (1, 2, 3, 6, 9, 12 months)\n// Each milestone: { label, months, amount, weeksToReach, achieved, description }\n\n// Scenario comparisons\nconsole.log(result.scenarios); // Compare 3, 6, 9, 12 month targets\n// Each scenario: { name, months, targetAmount, monthsToReach, weeklySavingsRequired, riskLevel }\n\n// Savings plan (month-by-month projection with HYSA interest)\nconsole.log(result.savingsPlan); // Monthly progress to goal\nconsole.log(result.monthsToGoal); // ~28 months at $800/month\nconsole.log(result.weeklySavingsFor12Months); // $423/week to reach goal in 1 year\nconsole.log(result.monthlySavingsFor12Months); // $1,833/month to reach goal in 1 year\n\n// Recommendations and warnings\nconsole.log(result.recommendations); // Personalized advice array\nconsole.log(result.warnings); // Warning messages if applicable\n\n// With itemized expenses for detailed breakdown\nconst detailedResult = calculateEmergencyFund({\n expenses: [\n { category: 'housing', amount: 2000, description: 'Rent' },\n { category: 'utilities', amount: 250, description: 'Electric, gas, internet' },\n { category: 'food', amount: 600, description: 'Groceries' },\n { category: 'transportation', amount: 400, description: 'Car payment + insurance' },\n { category: 'insurance', amount: 300, description: 'Health insurance' },\n { category: 'debt-payments', amount: 500, description: 'Student loans' },\n { category: 'healthcare', amount: 100, description: 'Prescriptions' },\n { category: 'childcare', amount: 350, description: 'Daycare' }\n ],\n currentSavings: 5000,\n employmentType: 'variable-income',\n dependents: 1\n});\n\nconsole.log(detailedResult.expenseBreakdown); // Breakdown by category\n\n// Quick calculation helpers\nconst quickFund = quickEmergencyFund(4500, 6); // $27,000\nconst timeToReach = timeToEmergencyFund(27000, 5000, 800, 4.5); // ~27 months\nconst recommendedMonths = getRecommendedMonths(true, true, true); // 9 months\n```\n\n**Employment Types**: `stable-employed`, `variable-income`, `self-employed`, `government`, `high-risk-industry`, `retired`\n\n**Expense Categories**: `housing`, `utilities`, `food`, `transportation`, `insurance`, `debt-payments`, `healthcare`, `childcare`, `other-essential`\n\n**Risk Level Recommendations**:\n- **Low Risk** (score 1-3): 3 months minimum\n- **Moderate Risk** (score 4-5): 6 months recommended\n- **High Risk** (score 6-7): 9 months recommended\n- **Very High Risk** (score 8-10): 12 months recommended\n\n**Risk Factors Considered**:\n- Employment type and stability\n- Number of income sources in household\n- Number of dependents\n- Disability insurance coverage\n- Severance/job protections\n- Expected job search duration\n\n**Features That Competitors Don't Have**:\n- Risk-adjusted recommendations based on personal factors\n- Detailed expense category breakdown\n- Month-by-month savings plan with HYSA interest\n- Multiple scenario comparison (3/6/9/12 months)\n- Weekly and monthly savings requirements\n- Personalized recommendations based on your situation\n\n#### 18. 50/30/20 Budget Calculator\nCalculate budget allocation based on the classic 50/30/20 rule and compare alternative budgeting strategies.\n\n```typescript\nimport { \n calculateBudget,\n quickBudget,\n categoryBudget,\n projectSavings,\n suggestBudgetRule,\n type BudgetInputs,\n type BudgetResult,\n type ExpenseItem,\n type BudgetCategory,\n BUDGET_RULES,\n BUDGET_CATEGORY_COLORS,\n SUBCATEGORY_NAMES\n} from '@deanfinancials/calculators';\n\n// Simple budget calculation\nconst result = calculateBudget({\n monthlyIncome: 5000\n});\n\nconsole.log(result.needs.target); // $2,500 (50%)\nconsole.log(result.wants.target); // $1,500 (30%)\nconsole.log(result.savings.target); // $1,000 (20%)\nconsole.log(result.appliedRule.name); // \"50/30/20 Rule\"\n\n// With expense tracking\nconst trackedResult = calculateBudget({\n monthlyIncome: 5000,\n expenses: [\n { description: 'Rent', amount: 1500, category: 'needs', subcategory: 'housing' },\n { description: 'Utilities', amount: 200, category: 'needs', subcategory: 'utilities' },\n { description: 'Groceries', amount: 400, category: 'needs', subcategory: 'groceries' },\n { description: 'Netflix', amount: 15, category: 'wants', subcategory: 'subscriptions' },\n { description: 'Dining', amount: 300, category: 'wants', subcategory: 'dining-out' },\n { description: '401k', amount: 500, category: 'savings', subcategory: 'retirement' }\n ]\n});\n\nconsole.log(trackedResult.needs.status); // 'under', 'on-target', or 'over'\nconsole.log(trackedResult.wants.difference); // Amount under/over budget\nconsole.log(trackedResult.savings.percentOfIncome); // Actual savings %\nconsole.log(trackedResult.healthMetrics.score); // Financial health score (0-100)\n\n// Compare different budget rules\nconsole.log(trackedResult.ruleComparisons); // All rules compared for your situation\nconsole.log(trackedResult.recommendedRule); // Best rule for your circumstances\n\n// Get optimization suggestions\nconsole.log(trackedResult.optimizations); // Ways to improve your budget\nconsole.log(trackedResult.recommendations); // Personalized tips\nconsole.log(trackedResult.warnings); // Budget issues to address\n\n// Project savings growth over time\nconsole.log(trackedResult.annualProjections); // 5-year wealth projection\n\n// Chart data for visualization\nconsole.log(trackedResult.chartData); // Ready for pie chart rendering\n\n// Use alternative budget rules\nconst aggressiveSaver = calculateBudget({\n monthlyIncome: 5000,\n budgetRule: 'aggressive-saver' // 50/20/30 (prioritizes savings)\n});\n\nconst highCostLiving = calculateBudget({\n monthlyIncome: 5000,\n budgetRule: 'high-cost-living', // 60/20/20 (more for essentials)\n isHighCostArea: true\n});\n\n// Custom percentages\nconst custom = calculateBudget({\n monthlyIncome: 5000,\n customNeedsPercent: 55,\n customWantsPercent: 25,\n customSavingsPercent: 20\n});\n\n// Quick helpers\nconst quick = quickBudget(5000);\nconsole.log(quick.needs); // $2,500\nconsole.log(quick.wants); // $1,500\nconsole.log(quick.savings); // $1,000\n\nconst housingBudget = categoryBudget(5000, 'needs'); // $2,500 for all needs\nconst projectedWealth = projectSavings(1000, 10, 7); // $173,085 after 10 years\n\nconst bestRule = suggestBudgetRule(5000, 2800, true, false); // 'high-cost-living'\n```\n\n**Budget Rules Available** (`BUDGET_RULES`):\n| Rule | Needs | Wants | Savings | Best For |\n|------|-------|-------|---------|----------|\n| `standard` | 50% | 30% | 20% | Most people with average cost of living |\n| `aggressive-saver` | 50% | 20% | 30% | FIRE/rapid wealth building |\n| `high-cost-living` | 60% | 20% | 20% | SF, NYC, Boston residents |\n| `debt-focused` | 50% | 20% | 30% | Aggressive debt payoff |\n| `minimalist` | 70% | 10% | 20% | Minimalists or high essential costs |\n| `paycheck-to-paycheck` | 80% | 10% | 10% | Starting financial journey |\n| `pay-yourself-first` | 55% | 25% | 20% | Those who struggle to save |\n\n**Needs Subcategories**: `housing`, `utilities`, `groceries`, `transportation`, `health-insurance`, `minimum-debt`, `childcare`, `other-essential`\n\n**Wants Subcategories**: `dining-out`, `entertainment`, `shopping`, `subscriptions`, `travel`, `personal-care`, `gifts`, `other-wants`\n\n**Savings Subcategories**: `emergency-fund`, `retirement`, `investments`, `extra-debt`, `sinking-funds`, `other-savings`\n\n**Features That Competitors Don't Have**:\n- Alternative rule comparison (60/20/20, 70/20/10, 80/10/10)\n- Personalized rule recommendation based on situation\n- Expense tracking with actual vs target analysis\n- Savings optimization suggestions\n- 5-year wealth projection with compound growth\n- Financial health scoring (0-100)\n- Category breakdown with subcategories\n\n#### 19. Home Affordability Calculator\nCalculate \"how much house can I afford\" based on income, debts, down payment, and loan options. Features DTI analysis, PMI calculation, loan type comparison, and affordability comfort zones.\n\n```typescript\nimport { \n calculateHomeAffordability,\n quickAffordabilityEstimate,\n calculateDebtImpact,\n calculatePMI,\n calculateFHAMIP,\n calculateMonthlyMortgagePayment,\n type HomeAffordabilityInputs,\n type HomeAffordabilityResult,\n type LoanType,\n type ComfortLevel,\n DTI_LIMITS,\n MIN_DOWN_PAYMENT,\n ZONE_COLORS\n} from '@deanfinancials/calculators';\n\n// Full calculation with all parameters\nconst result = calculateHomeAffordability({\n annualIncome: 100000,\n monthlyDebts: 500,\n downPayment: 60000,\n interestRate: 0.065,\n loanTermYears: 30,\n loanType: 'conventional',\n propertyTaxRate: 0.0125,\n homeInsuranceRate: 0.0035,\n monthlyHOA: 200,\n creditScore: 740,\n includePMI: true\n});\n\nconsole.log(result.maxHomePrice); // Maximum affordable home price\nconsole.log(result.loanAmount); // Loan amount (price - down payment)\nconsole.log(result.downPaymentPercent); // Down payment as percentage\n\n// Monthly payment breakdown\nconsole.log(result.monthlyBreakdown.principalAndInterest); // P&I payment\nconsole.log(result.monthlyBreakdown.propertyTax); // Monthly property tax\nconsole.log(result.monthlyBreakdown.homeInsurance); // Monthly insurance\nconsole.log(result.monthlyBreakdown.pmi); // PMI (if applicable)\nconsole.log(result.monthlyBreakdown.hoa); // HOA dues\nconsole.log(result.monthlyBreakdown.totalHousing); // Total PITI + HOA\nconsole.log(result.monthlyBreakdown.totalMonthly); // Housing + other debts\n\n// DTI analysis\nconsole.log(result.dtiAnalysis.frontEndRatio); // Housing payment / income (%)\nconsole.log(result.dtiAnalysis.backEndRatio); // Total debts / income (%)\nconsole.log(result.dtiAnalysis.frontEndLimit); // 28% for conventional\nconsole.log(result.dtiAnalysis.backEndLimit); // 36% for conventional\nconsole.log(result.dtiAnalysis.status); // 'excellent', 'good', 'acceptable', 'high', 'too-high'\nconsole.log(result.dtiAnalysis.message); // Personalized DTI assessment\n\n// Affordability comfort zones\nconsole.log(result.affordabilityZones); // Array of comfort zones\n// Each zone: { level: 'comfortable', minPrice: 0, maxPrice: 350000, \n// monthlyPayment: 2100, backEndDTI: 28, description: '...', color: '#10b981' }\n\n// Loan type comparison (Conventional vs FHA vs VA)\nconsole.log(result.loanComparisons); // Array of loan comparisons\n// Each: { loanType, maxHomePrice, downPaymentRequired, monthlyPayment, \n// qualifies, benefits: string[], drawbacks: string[] }\n\n// Rate stress testing\nconsole.log(result.stressTestScenarios); // Impact of rate increases\n// Each: { rate, rateIncrease, maxHomePrice, monthlyPayment, stillAffordable }\n\n// Cash needed\nconsole.log(result.estimatedClosingCosts); // ~3% of home price\nconsole.log(result.totalCashNeeded); // Down payment + closing costs\nconsole.log(result.effectiveRate); // Interest rate + PMI impact\n\n// Recommendations and warnings\nconsole.log(result.recommendations); // Personalized suggestions\nconsole.log(result.warnings); // Issues to address\n\n// Quick estimate (28% rule)\nconst quickEstimate = quickAffordabilityEstimate(100000, 0.065, 0.2);\nconsole.log(quickEstimate); // ~$420,000\n\n// Debt impact analysis\nconst debtImpact = calculateDebtImpact(100000, 0.065);\nconsole.log(debtImpact); // Home price increase per $100/mo debt reduction\n\n// PMI calculation\nconst monthlyPMI = calculatePMI(320000, 400000, 740); // For 80% LTV\nconsole.log(monthlyPMI); // Monthly PMI amount\n\n// FHA MIP calculation\nconst fhaMIP = calculateFHAMIP(385000, 400000, 30);\nconsole.log(fhaMIP.upfront); // 1.75% upfront fee\nconsole.log(fhaMIP.monthly); // Monthly MIP\n\n// Calculate mortgage payment\nconst payment = calculateMonthlyMortgagePayment(320000, 0.065, 30);\nconsole.log(payment); // Monthly P&I payment\n```\n\n**Loan Types**: `conventional`, `fha`, `va`, `usda`\n\n**Loan Term Years**: `15`, `20`, `30`\n\n**Comfort Levels**: `comfortable`, `moderate`, `stretch`, `risky`\n\n**DTI Limits by Loan Type**:\n| Loan Type | Front-End DTI | Back-End DTI | Min Down Payment |\n|-----------|---------------|--------------|------------------|\n| Conventional | 28% | 36% | 3% |\n| FHA | 31% | 43% | 3.5% |\n| VA | 41%* | 41%* | 0% |\n| USDA | 29% | 41% | 0% |\n\n*VA uses residual income, 41% is a guideline\n\n**PMI Calculation**: Based on LTV and credit score tiers\n- Excellent (760+): 0.19% - 0.55% annually\n- Good (700-759): 0.27% - 0.78% annually\n- Fair (640-699): 0.45% - 1.05% annually\n- Poor (<640): 0.65% - 1.35% annually\n\n**FHA MIP Rates**:\n- Upfront: 1.75% of loan amount\n- Annual: 0.45% - 0.85% depending on term and LTV\n\n**Features That Competitors Don't Have**:\n- Affordability \"comfort zones\" (comfortable to risky)\n- Loan type comparison side-by-side (Conventional vs FHA vs VA)\n- Rate stress testing scenarios (+0.5% to +2%)\n- Credit score-based PMI calculation\n- Detailed monthly payment breakdown (P&I, tax, insurance, PMI, HOA)\n- Total cash needed including closing costs\n- Personalized recommendations based on DTI status\n- Chart-ready data structures for visualization\n\n#### 20. Paycheck Calculator\nCalculate take-home pay after federal taxes, state taxes, FICA, and deductions. Features 2024/2025 tax brackets, all 50 US states, pre-tax and post-tax deductions, and state-by-state comparison.\n\n```typescript\nimport { \n calculatePaycheck,\n quickPaycheckEstimate,\n hourlyToAnnual,\n annualToHourly,\n comparePaychecks,\n compareStates,\n getTaxBracketInfo,\n type PaycheckInputs,\n type PaycheckResult,\n type PayType,\n type PayFrequency,\n type FilingStatus,\n type USState,\n type PreTaxDeductions,\n type PostTaxDeductions,\n FEDERAL_TAX_BRACKETS_2024,\n FEDERAL_TAX_BRACKETS_2025,\n STANDARD_DEDUCTIONS,\n STATE_TAX_INFO\n} from '@deanfinancials/calculators';\n\n// Full paycheck calculation\nconst result = calculatePaycheck({\n payType: 'salary',\n grossPay: 75000, // Annual salary\n payFrequency: 'biweekly', // Pay period\n filingStatus: 'single', // Tax filing status\n state: 'CA', // State for state tax\n taxYear: 2024, // 2024 or 2025\n federalAllowances: 1, // W-4 allowances (optional)\n preTaxDeductions: { // Pre-tax deductions (optional)\n retirement401k: 500, // Per paycheck\n healthInsurance: 200,\n hsaContribution: 100,\n fsaContribution: 50,\n dentalVision: 25,\n commuter: 50,\n other: 0\n },\n postTaxDeductions: { // Post-tax deductions (optional)\n rothContribution: 100,\n lifeInsurance: 25,\n disabilityInsurance: 15,\n unionDues: 0,\n garnishments: 0,\n charitableContributions: 50,\n other: 0\n },\n ytdGrossIncome: 25000 // Year-to-date (for SS cap, optional)\n});\n\n// Gross and net pay\nconsole.log(result.grossPayPerPeriod); // $2,884.62 (biweekly)\nconsole.log(result.netPayPerPeriod); // $1,862.34 (take-home)\nconsole.log(result.annualGrossPay); // $75,000\nconsole.log(result.annualNetPay); // $48,420.84\nconsole.log(result.effectiveTaxRate); // 22.1%\nconsole.log(result.marginalFederalRate); // 22%\n\n// Tax breakdown\nconsole.log(result.taxes.federal); // Federal income tax\nconsole.log(result.taxes.state); // State income tax\nconsole.log(result.taxes.socialSecurity); // Social Security (6.2%)\nconsole.log(result.taxes.medicare); // Medicare (1.45%)\nconsole.log(result.taxes.additionalMedicare); // Additional Medicare (0.9% over threshold)\nconsole.log(result.taxes.totalFICA); // Total FICA\nconsole.log(result.taxes.totalTaxes); // All taxes combined\n\n// Deduction breakdown\nconsole.log(result.deductions.preTax); // Pre-tax deductions total\nconsole.log(result.deductions.postTax); // Post-tax deductions total\nconsole.log(result.deductions.total); // All deductions\n\n// Annual projections\nconsole.log(result.annualTaxes.federal); // Federal taxes per year\nconsole.log(result.annualTaxes.state); // State taxes per year\nconsole.log(result.annualTaxes.fica); // FICA taxes per year\nconsole.log(result.annualDeductions); // Annual deductions\nconsole.log(result.taxableIncome); // Taxable income after deductions\n\n// Tax bracket info\nconsole.log(result.federalBracket); // Current federal bracket\nconsole.log(result.stateBracketInfo); // State tax info\n\n// State-specific info\nconsole.log(result.stateInfo.name); // \"California\"\nconsole.log(result.stateInfo.hasIncomeTax); // true\nconsole.log(result.stateInfo.maxRate); // 13.3%\nconsole.log(result.stateInfo.brackets); // State tax brackets\n\n// Year-to-date tracking\nconsole.log(result.ytdGross); // YTD gross income\nconsole.log(result.ytdNet); // YTD net income\nconsole.log(result.ytdTaxes); // YTD taxes paid\nconsole.log(result.socialSecurityCapped); // Whether SS is capped\n\n// Hourly calculation\nconst hourlyResult = calculatePaycheck({\n payType: 'hourly',\n hourlyRate: 35,\n hoursPerWeek: 40,\n payFrequency: 'weekly',\n filingStatus: 'married',\n state: 'TX'\n});\n\n// Quick estimate (simplified)\nconst quickEstimate = quickPaycheckEstimate(75000, 'single', 'CA');\nconsole.log(quickEstimate.estimatedNetAnnual); // ~$55,000\nconsole.log(quickEstimate.estimatedNetMonthly); // ~$4,580\n\n// Convert between hourly and salary\nconst annual = hourlyToAnnual(35, 40); // $72,800 (35/hr * 40hrs * 52weeks)\nconst hourly = annualToHourly(75000, 40); // $36.06/hr\n\n// Compare scenarios (e.g., before/after raise)\nconst comparison = comparePaychecks(\n { payType: 'salary', grossPay: 75000, payFrequency: 'biweekly', filingStatus: 'single', state: 'CA' },\n { payType: 'salary', grossPay: 85000, payFrequency: 'biweekly', filingStatus: 'single', state: 'CA' }\n);\nconsole.log(comparison.grossDifference); // $10,000 annual\nconsole.log(comparison.netDifference); // ~$6,800 (after taxes)\nconsole.log(comparison.perPaycheckDifference); // ~$262 per paycheck\nconsole.log(comparison.effectiveTaxOnRaise); // ~32% (marginal tax on raise)\n\n// Compare states (for relocation decisions)\nconst stateComparison = compareStates(\n 75000,\n 'single',\n ['CA', 'TX', 'FL', 'NY', 'WA']\n);\nconsole.log(stateComparison); // Array of results for each state\n// Each: { state, stateName, annualStateTax, annualNetPay, monthlyNetPay, ranking }\n\n// Get tax bracket information\nconst bracketInfo = getTaxBracketInfo(75000, 'single', 2024);\nconsole.log(bracketInfo.currentBracket); // 22%\nconsole.log(bracketInfo.incomeInBracket); // Amount in current bracket\nconsole.log(bracketInfo.incomeToNextBracket); // How much until next bracket\nconsole.log(bracketInfo.nextBracketRate); // 24%\n```\n\n**Pay Types**: `salary`, `hourly`\n\n**Pay Frequencies**: `weekly`, `biweekly`, `semi-monthly`, `monthly`\n\n**Filing Statuses**: `single`, `married`, `married-separate`, `head-of-household`\n\n**Pre-Tax Deductions**:\n- `retirement401k` - 401(k) contributions\n- `healthInsurance` - Health insurance premiums\n- `hsaContribution` - Health Savings Account\n- `fsaContribution` - Flexible Spending Account\n- `dentalVision` - Dental/Vision insurance\n- `commuter` - Commuter benefits\n- `other` - Other pre-tax deductions\n\n**Post-Tax Deductions**:\n- `rothContribution` - Roth 401(k)/403(b)\n- `lifeInsurance` - Life insurance premiums\n- `disabilityInsurance` - Disability insurance\n- `unionDues` - Union membership dues\n- `garnishments` - Wage garnishments\n- `charitableContributions` - Payroll giving\n- `other` - Other post-tax deductions\n\n**2024 Federal Tax Brackets**:\n| Bracket | Single | Married Filing Jointly |\n|---------|--------|------------------------|\n| 10% | $0 - $11,600 | $0 - $23,200 |\n| 12% | $11,600 - $47,150 | $23,200 - $94,300 |\n| 22% | $47,150 - $100,525 | $94,300 - $201,050 |\n| 24% | $100,525 - $191,950 | $201,050 - $383,900 |\n| 32% | $191,950 - $243,725 | $383,900 - $487,450 |\n| 35% | $243,725 - $609,350 | $487,450 - $731,200 |\n| 37% | $609,350+ | $731,200+ |\n\n**FICA Rates (2024)**:\n- Social Security: 6.2% (capped at $168,600)\n- Medicare: 1.45% (no cap)\n- Additional Medicare: 0.9% (over $200,000 single / $250,000 married)\n\n**States with No Income Tax**: Alaska, Florida, Nevada, New Hampshire*, South Dakota, Tennessee*, Texas, Washington, Wyoming\n(*Limited taxes on investment income only)\n\n**Features That Competitors Don't Have**:\n- Complete 2024 and 2025 federal tax brackets\n- All 50 US states with accurate tax info\n- State comparison tool for relocation decisions\n- Scenario comparison (before/after raise)\n- Hourly-to-salary conversion utilities\n- Year-to-date tracking with Social Security cap\n- Detailed pre-tax and post-tax deduction handling\n- Marginal vs effective tax rate breakdown\n- Tax bracket information with income-to-next-bracket\n\n### FIRE (Financial Independence Retire Early)\n\n#### 21. FIRE Calculator\nComprehensive Financial Independence calculator with multiple FIRE types, historical stress testing, and detailed projections.\n\n```typescript\nimport { \n calculateFIRE,\n calculateFIRENumber,\n calculateYearsToFire,\n calculateCoastFIRETarget,\n quickFI","readmeFilename":"README.md"}