Are my financial numbers uploaded to a server?

No. CalcTools is 100% client-side. Every calculation — mortgage, loan, compound interest, tax — runs in your browser as plain JavaScript. There is no backend and no /api route. The site's Content-Security-Policy (connect-src 'self') even restricts which hosts the page may contact, so the privacy guarantee is enforced by the browser itself.

Are the calculations accurate?

Yes — each calculator uses the standard, published formula for its problem (the loan PMT formula, compound-interest future value, marginal tax bands, the HKMA stress-test rule, and so on). The verify suite hand-checks reference values against the implemented math before every build. Still, these are decision aids, not financial advice; confirm with a professional for a binding decision.

How is the currency converter's exchange rate sourced?

The converter ships with a build-time snapshot of exchange rates (taken from a public, no-key exchange-rate API at build time) bundled same-origin — it never makes a runtime request to any server in this MVP build. So currency conversion works offline and exposes no browsing data to a third party.

Do the Hong Kong calculators reflect the current year?

They use the published 2024/25 HK rates: Salaries Tax progressive bands (2%/6%/10%/14%/17%) and 15% standard rate with a $132,000 basic allowance; property Stamp Duty on the smoothed ad valorem band scale; MPF at 5% employee + 5% employer capped at the $30,000 monthly relevant-income limit. Always confirm the current figures on gov.hk before relying on a number for a real filing or purchase.

Does it work offline?

Yes. After the first load the app shell is cached, so every calculator works with no internet connection. Install CalcTools as a PWA and it opens and runs offline.

Hong Kong

HK Salaries Tax Calculator

Hong Kong Salaries Tax on progressive bands vs the standard rate — take the lower one.

HK Salaries Tax Calculator

Hong Kong Salaries Tax — progressive bands vs the two-tier standard rate (15% then 16%), take the lower.

Annual income (HK$)

StatusDeductions (HK$)

Your numbers never leave your device — all math runs in your browser.

Result

Salaries Tax payable

HK$20,760.00

Method: progressive (5.77% effective)

Net chargeable incomeHK$228,000.00

Progressive calculationHK$20,760.00

Standard (15% then 16%)HK$54,000.00

Progressive bands: 2%/6%/10%/14%/17% on net chargeable income (basic allowance HK$132,000 single / HK$264,000 married). The standard rate is two-tier (2024/25+): 15% on the first HK$5M of net income, 16% above. You pay the lower of the two.

Decision aid using 2024/25 allowances, progressive bands, and the two-tier standard rate (15% on first HK$5M + 16% above). Confirm current figures on gov.hk before a real filing.

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How to use this calculator

Enter your annual income in HK$.
Choose single or married (for the allowance) and any deductions.
Read the tax payable — the lower of the progressive and standard-rate calculations.

Bookmark HK Salaries Tax Calculator — it works offline once loaded. Figures are decision aids, not financial advice.