# llms.txt — agent discovery file (WebMCP/llms.txt standard).
# Lets AI agents (Claude, ChatGPT, browsing agents) discover and use
# US Money HQ's 99 calculators natively.
# More: https://llmstxt.org
# US Money HQ
> US Money HQ — free US financial calculators, state-by-state tax math, and scenario tools. 99 calculators, 4,810 real-data pages. All free, no signup.

## Core tools
- Mortgage Calculator: https://usmoneyhq.com/mortgage-calculator
- Salary After Tax Calculator: https://usmoneyhq.com/salary-after-tax-calculator
- Tax Calculator: https://usmoneyhq.com/tax-calculator
- Home Affordability Calculator: https://usmoneyhq.com/home-affordability-calculator
- Paycheck Calculator: https://usmoneyhq.com/paycheck-calculator
- 401(k) Calculator: https://usmoneyhq.com/401k-calculator
- Compound Interest Calculator: https://usmoneyhq.com/compound-interest-calculator
- Debt Payoff Calculator: https://usmoneyhq.com/debt-payoff-calculator
- Rent vs Buy Calculator: https://usmoneyhq.com/rent-vs-buy-calculator
- Sales Tax Calculator: https://usmoneyhq.com/sales-tax-calculator
- Capital Gains Calculator: https://usmoneyhq.com/capital-gains-calculator
- Emergency Fund Calculator: https://usmoneyhq.com/emergency-fund-calculator

## State variants
Every state-aware tool has per-state pages and state-vs-state comparisons:
- California tax math: https://usmoneyhq.com/salary-after-tax-calculator/california
- Texas vs California: https://usmoneyhq.com/salary-after-tax-calculator/california-vs-texas
- 50-state list: https://usmoneyhq.com/states

## Scenario pages
- Salary amounts: https://usmoneyhq.com/salary-after-tax-calculator/75000
- Metro pages: https://usmoneyhq.com/mortgage-calculator/houston-texas

## API
Calculators are computable via POST https://usmoneyhq.com/api/calc/{tool-slug} with JSON {field: value}.

## Guides
- https://usmoneyhq.com/guides
- Tax refunds: https://usmoneyhq.com/guides/tax-refund-guide
- 529 plans: https://usmoneyhq.com/guides/529-guide
- RMDs: https://usmoneyhq.com/guides/rmd-guide