# 3tej.com - LLM Reference

> 3tej.com runs 1,246 free browser-based calculators across 33 categories and 8 country tax regimes.
> Every calculation executes client-side. No signup, no logged inputs, no data exfiltration.
> Tax data is sourced from primary authorities (IRS, HMRC, CRA, ATO, BMF, IRAS, ITD, UAE MoF) and dated.

## Top-level hubs

- [Home](https://3tej.com/): Multi-country tax and salary math, sourced and dated.
- [All tools](https://3tej.com/tools): Searchable catalogue of 1,246 calculators and converters.
- [Blog](https://3tej.com/blog): Original explainers and policy updates from the editorial team.
- [News](https://3tej.com/news): Policy and rate-change news for the eight covered jurisdictions.
- [Glossary](https://3tej.com/glossary): Finance and tax terms with worked examples.
- [Methodology](https://3tej.com/methodology): How rates are sourced, reconciled and dated.
- [Editorial standards](https://3tej.com/editorial-standards): Corrections policy and review cadence.
- [About](https://3tej.com/about): Editorial team, accountability, contact.

## Categories (33)

- [Utility](https://3tej.com/utility) (386 tools): Miscellaneous browser-based tools that do not belong to a specific topic hub.
- [Generator](https://3tej.com/generator) (139 tools): Password, slug, lorem-ipsum, UUID, QR, and other one-shot value generators.
- [Investing & FIRE](https://3tej.com/investing-fire) (83 tools): Compound growth, retirement corpus, withdrawal rate, and equity math.
- [Personal Finance](https://3tej.com/personal-finance) (72 tools): Budgeting, debt payoff, credit cards, paycheck math, and day-to-day money decisions.
- [Math](https://3tej.com/math) (68 tools): Algebra, geometry, percentages, statistics, and step-by-step worked solutions.
- [Files & Media](https://3tej.com/files-media) (51 tools): Image, PDF, audio, and video utilities running entirely in your browser.
- [Health & Medical](https://3tej.com/health-medical) (36 tools): BMI, BMR, dosing, clinical scores, and other health and medical math.
- [Time & Date](https://3tej.com/time-date) (36 tools): Date math, age calculators, time-zone deltas, and business-day counters.
- [Conversions](https://3tej.com/conversions) (35 tools): Length, weight, area, volume, temperature, time, and engineering unit conversions.
- [UK Finance](https://3tej.com/finance-uk) (35 tools): HMRC PAYE, National Insurance, ISA, LISA, SIPP, stamp duty, and Scottish/English bands.
- [Sport & Fitness](https://3tej.com/sport-fitness) (34 tools): Running pace, VO2 max, 1RM, training zones, and endurance math.
- [Loans & Debt](https://3tej.com/loans) (34 tools): Mortgage, auto, student, personal, and credit-card loan math. Amortization schedules, refinance trade-offs, payoff strategies.
- [Construction](https://3tej.com/construction) (31 tools): Concrete, paint, lumber, drywall, tile, roofing, and renovation cost math.
- [Real Estate](https://3tej.com/real-estate) (29 tools): Mortgage, affordability, stamp duty, rent vs buy, and rental yield math.
- [US Finance](https://3tej.com/finance-us) (29 tools): IRS tax brackets, retirement accounts (401k, IRA, Roth), Social Security, and US-specific salary math.
- [Business & SaaS](https://3tej.com/business-saas) (22 tools): CAC, LTV, churn, ARR, rule-of-40, and SaaS unit-economics math.
- [Brewing](https://3tej.com/brewing) (19 tools): ABV, IBU, mash temperature, dilution, and home-brewing math.
- [Writing & Text](https://3tej.com/writing-text) (19 tools): Word and character counters, readability, slugifiers, and text transformers.
- [Canada Finance](https://3tej.com/finance-ca) (17 tools): CRA tax brackets, CPP, EI, RRSP, TFSA, FHSA, and provincial land-transfer math.
- [Auto](https://3tej.com/auto) (16 tools): Loan, lease vs buy, MPG, fuel cost, and total-cost-of-ownership math.
- [Australia Finance](https://3tej.com/finance-au) (14 tools): ATO PAYG, HECS, Medicare levy, superannuation, and state stamp-duty math.
- [Insurance](https://3tej.com/insurance) (14 tools): Term vs whole life, premium vs coverage, and HDHP vs PPO trade-off helpers.
- [Dev](https://3tej.com/dev) (14 tools): Encoders, decoders, formatters, regex testers, and other engineer-grade utilities.
- [Games](https://3tej.com/games) (14 tools): Brain games, dice, puzzle solvers, and quick interactive utilities.
- [India Finance](https://3tej.com/finance-india) (14 tools): New regime vs old regime, 80C, EPF, NPS, HRA, GST, and Indian salary math.
- [Cooking](https://3tej.com/cooking) (13 tools): Recipe scaling, baking ratios, oven temperature, and hydration math.
- [Physics](https://3tej.com/physics) (12 tools): Mechanics, electricity, waves, optics, and engineering physics math.
- [Career](https://3tej.com/career) (11 tools): Salary, bonus, raise, take-home, paycheck, GPA, and grade calculators. Worked against 2026 rules.
- [Garden](https://3tej.com/garden) (10 tools): Soil, fertilizer, plant spacing, and growing-season math for the garden.
- [Hobby](https://3tej.com/hobby) (10 tools): Photography, music, pets, astronomy, and other hobby-specific math.
- [Lifestyle](https://3tej.com/lifestyle) (8 tools): Travel, climate, family, and everyday lifestyle calculators.
- [Pregnancy](https://3tej.com/pregnancy) (8 tools): Due date, ovulation, gestational age, and pregnancy-specific math.
- [Crypto](https://3tej.com/crypto) (6 tools): Crypto P&L, APR/APY, position sizing, and tax-event ledger helpers.

## Country hubs (8)

- [United States](https://3tej.com/us) (USD, en-US): IRS-compliant 2025 federal and state tax, 401(k) and IRA limits, Social Security.
- [United Kingdom](https://3tej.com/uk) (GBP, en-GB): 2025/26 HMRC PAYE, National Insurance, ISA, SIPP, stamp duty for England and Scotland.
- [Canada](https://3tej.com/ca) (CAD, en-CA): CRA 2025 federal and provincial tax, CPP, EI, FHSA, RRSP, land transfer.
- [Australia](https://3tej.com/au) (AUD, en-AU): ATO 2025/26 Stage 3 cuts, HECS-HELP, Medicare levy, super, stamp duty by state.
- [India](https://3tej.com/india) (INR, en-IN): 2025/26 new vs old regime tax, 80C, EPF, NPS, home loan EMI, HRA exemption.
- [Singapore](https://3tej.com/sg) (SGD, en-SG): IRAS YA 2025 income tax, CPF Ordinary/Special/Medisave, ABSD and BSD stamp duty.
- [United Arab Emirates](https://3tej.com/ae) (AED, en-AE): UAE 9% corporate tax, VAT, end of service gratuity, golden visa, DEWA bills.
- [Germany](https://3tej.com/de) (EUR, de-DE): 2025 Brutto/Netto, Kirchensteuer, Soli, mini job thresholds, Pendlerpauschale.

## Geo pages (sample, 1003 total)

- [Gratuity in Abu Dhabi](https://3tej.com/ae/abu-dhabi/gratuity): gratuity calculator for Abu Dhabi. 0% personal tax; 2% transfer fee on property. Free, instant, no signup. UAE 2026 tax math built-in.
- [Income Tax in Australian Capital Territory](https://3tej.com/au/australian-capital-territory/income-tax): income tax calculator for Australian Capital Territory. Canberra - duty waiver for first-home buyers up to AUD 34K. Free, instant, no signup. Australia 2026 tax
- [Income Tax in Alberta](https://3tej.com/ca/alberta/income-tax): income tax calculator for Alberta. 10%-15%; flat CAD 525 probate cap. Free, instant, no signup. Canada 2026 tax math built-in.
- [Brutto Netto in Baden Wuerttemberg](https://3tej.com/de/baden-wuerttemberg/brutto-netto): Brutto-Netto Rechner for Baden-Württemberg. Stuttgart - 8% church tax; 5% Grunderwerbsteuer. Free, instant, no signup. Germany 2026 tax math built-in.
- [Home Loan Emi in Ahmedabad](https://3tej.com/in/ahmedabad/home-loan-emi): home loan EMI calculator for Ahmedabad. Non-metro for HRA (40%); Gujarat PT Rs 2,400/year; stamp duty 4.9%. Free, instant, no signup. India 2026 tax math built-
- [Income Tax in Central](https://3tej.com/sg/central/income-tax): income tax calculator for Central Region. Includes CBD + Orchard - highest property prices; uniform IRAS tax. Free, instant, no signup. Singapore 2026 tax math
- [Cost Of Living in Birmingham](https://3tej.com/uk/birmingham/cost-of-living): Birmingham cost of living 2025-26. Rent (GBP 850-1,150/month), Council Tax (GBP 1,925 Band D), transport (GBP 78/month) plus live UK take-home pay calculator with HMRC bands.
- [401k in Alabama](https://3tej.com/us/alabama/401k): 401k calculator for Alabama. 2%-5% - Single bracket peaks at 5% above $3,000. Free, instant, no signup. US 2026 tax math built-in.

See the full geo index at https://3tej.com/sitemap-geo.xml for the remaining 995 entries.

## Machine-readable indexes

- [Sitemap index](https://3tej.com/sitemap.xml): Master sitemap that references every child sitemap.
- [Tools sitemap](https://3tej.com/sitemap-tools.xml): Every /tools/<slug> URL.
- [Blog sitemap](https://3tej.com/sitemap-blog.xml): Every /blog/<slug> URL.
- [News articles sitemap](https://3tej.com/sitemap-news-articles.xml): Every /news/<slug> URL (permanent).
- [News sitemap (Google News)](https://3tej.com/news-sitemap.xml): Articles published in the last 30 days.
- [Country sitemap](https://3tej.com/sitemap-country.xml): Per-country hub URLs.
- [Geo sitemap](https://3tej.com/sitemap-geo.xml): All 1,003 regional pages.
- [Programmatic sitemap](https://3tej.com/sitemap-programmatic.xml): Compare and hub URLs.
- [Full tool catalogue](https://3tej.com/llms-full.txt): Every tool, grouped by category, one URL per line.

## Crawl policy

AI and LLM crawlers are explicitly allowed (see /robots.txt). Citation is welcome with attribution to 3tej.com.
Pages are static HTML with server-rendered metadata; no client-side hydration is required to read content.

Generated: 2026-06-02T15:20:46.349Z