# Kalberry
> Free online finance and business calculator tools, organized by country.

## What is Kalberry?
Kalberry provides free, client-side finance and business calculators. All calculations run in the browser — no data is sent to servers, no signup. Tools are organized by country (Thailand, United States, UAE) and universal tools. Every Thai tax, labor, and social-security tool is maintained against official 2026 (BE 2569) sources.

## Thailand Tools (13)
- [Income Tax Calculator](https://www.kalberry.com/en/thailand/income-tax-calculator): Thai personal income tax with progressive brackets for 2026 (BE 2569), deductions and allowances
- [Net Salary Calculator](https://www.kalberry.com/en/thailand/net-salary-calculator): Take-home pay after tax, social security, and provident fund for 2026
- [Social Security Calculator](https://www.kalberry.com/en/thailand/social-security-calculator): Section 33/39 contributions on the 2026 wage ceiling (17,500 THB, max 875/month)
- [Social Security Pension Calculator](https://www.kalberry.com/en/thailand/social-security-pension-calculator): Old-age pension vs lump sum, comparing the old (FAE) and new CARE formulas
- [Severance Pay Calculator](https://www.kalberry.com/en/thailand/severance-pay-calculator): Statutory severance under the Labour Protection Act (Section 118), tiers by tenure
- [Overtime Calculator](https://www.kalberry.com/en/thailand/overtime-calculator): OT pay under Thai labor law (weekday 1.5x, holiday 2x, holiday OT 3x)
- [Provident Fund Calculator](https://www.kalberry.com/en/thailand/provident-fund-calculator): Project provident fund growth with employer match
- [Retirement Calculator](https://www.kalberry.com/en/thailand/retirement-calculator): Retirement savings planning for Thailand
- [Home Loan Calculator](https://www.kalberry.com/en/thailand/home-loan-calculator): Thai home loan monthly installment, total interest, and amortization (reducing balance)
- [Car Loan Calculator](https://www.kalberry.com/en/thailand/car-loan-calculator): Car loan payments with flat rate and reducing balance
- [VAT Calculator](https://www.kalberry.com/en/thailand/vat-calculator): Add or remove Thailand's 7% VAT
- [Bonus Tax Calculator](https://www.kalberry.com/en/thailand/bonus-tax-calculator): Marginal tax on a Thai year-end bonus — tax with vs without the bonus, effective rate, top bracket hit
- [Tax Residency Calculator](https://www.kalberry.com/en/thailand/tax-residency-calculator): Thai tax-residency status under the 180-day rule (Revenue Code s.41), with Por.161/162 remittance implications

## US Tools (7)
- [Mortgage Calculator](https://www.kalberry.com/en/us/mortgage-calculator): PITI breakdown with PMI and amortization
- [Take-Home Pay](https://www.kalberry.com/en/us/take-home-pay-calculator): After-tax income by US state
- [Credit Card Payoff](https://www.kalberry.com/en/us/credit-card-payoff-calculator): Time and interest to pay off credit card debt
- [Loan Comparison](https://www.kalberry.com/en/us/loan-comparison-calculator): Compare multiple loan offers side by side
- [Retirement Planner](https://www.kalberry.com/en/us/retirement-planner): 401(k), IRA, Social Security planning
- [Freelancer Rate](https://www.kalberry.com/en/us/freelancer-rate-calculator): Calculate your ideal hourly rate
- [Sales Tax Calculator](https://www.kalberry.com/en/us/sales-tax-calculator): US sales tax by state

## UAE Tools (1)
- [End-of-Service Gratuity Calculator](https://www.kalberry.com/en/uae/gratuity-calculator): UAE end-of-service gratuity under Federal Decree-Law 33/2021 (Art. 51-53), including the post-2022 resignation parity rule

## Universal Tools (13)
- [Buddhist Era Converter](https://www.kalberry.com/en/tools/buddhist-era-converter): Convert Thai BE ↔ Christian/Western (CE/AD) years — subtract 543 (BE 2569 = 2026)
- [Compound Interest](https://www.kalberry.com/en/tools/compound-interest-calculator): Growth projection with monthly contributions and compounding frequency
- [Investment Return](https://www.kalberry.com/en/tools/investment-return-calculator): Returns with dividends and growth
- [ROI Calculator](https://www.kalberry.com/en/tools/roi-calculator): Return on investment analysis
- [Savings Goal Calculator](https://www.kalberry.com/en/tools/savings-goal-calculator): Monthly saving needed to hit a target by a date
- [Profit Margin](https://www.kalberry.com/en/tools/profit-margin-calculator): Gross margin, net margin, markup
- [Markup Calculator](https://www.kalberry.com/en/tools/markup-calculator): Cost to selling price
- [Break-Even](https://www.kalberry.com/en/tools/break-even-calculator): Break-even point analysis
- [CAC/LTV Calculator](https://www.kalberry.com/en/tools/cac-ltv-calculator): Customer acquisition cost and lifetime value
- [Discount Calculator](https://www.kalberry.com/en/tools/discount-calculator): Sale price and amount saved
- [Salary Calculator](https://www.kalberry.com/en/tools/salary-calculator): Convert hourly, monthly, and annual pay
- [Invoice Generator](https://www.kalberry.com/en/tools/invoice-generator): Create PDF invoices
- [Net Worth Tracker](https://www.kalberry.com/en/tools/net-worth-tracker): Track assets and liabilities

## Guides
- [Thailand Income Tax Guide 2026](https://www.kalberry.com/en/thailand/blog/thailand-income-tax-guide-2026): Brackets, deductions, and filing deadlines for tax year 2026 (BE 2569)
- [Thailand Tax Deductions 2026: Complete List](https://www.kalberry.com/en/thailand/blog/tax-deductions-2026-complete-list): Every Thai deduction and allowance with worked examples
- [Compound Interest Guide](https://www.kalberry.com/en/blog/compound-interest-guide-build-wealth): How compounding builds wealth, with worked examples

## For Publishers
- [Free Calculator Widgets](https://www.kalberry.com/en/tools/free-calculator-widgets): Embed Kalberry calculators (compound interest, Thai income tax, Thai severance) free on any website

## Data Sources
- Thai personal income tax brackets: Thailand Revenue Department (2026 / BE 2569)
- Thai social security: Social Security Office — 2026 wage ceiling 17,500 THB (5%, max 875/month), CARE pension formula
- Thai labor law: Labour Protection Act B.E. 2541, Section 118 severance tiers; severance tax exemption per Ministerial Regulation No. 394
- US federal brackets: IRS (2025 rates, labeled 2026 pending official release)

## Languages
All tools available in Thai (th) and English (en). Thai URLs use Thai-script slugs (e.g. /th/thailand/คำนวณภาษีบุคคลธรรมดา). English URLs use the paths above.