About Zhongbz

Our Mission

Zhongbz is a professional financial analysis platform purpose-built for compensation professionals, financial analysts, HR practitioners, and independent consultants who require accurate, transparent, and privacy-respecting calculation tools. Our mission is to democratise access to rigorous financial modelling — delivering institution-grade analytical capabilities without licensing fees, data collection, or opaque methodologies.

Platform Capabilities

We provide a curated suite of analytical tools designed for professional financial analysis:

• Income Tax & Take-Home Pay Calculator — Comprehensive after-tax income modelling with progressive federal brackets, state-specific rates (all 50 states plus DC), and full FICA computation including the additional Medicare surtax.
• Freelancer Rate Converter — Bidirectional rate conversion with configurable utilisation rates, working hours, and overhead parameters for independent contractor compensation analysis.
• Overtime Pay Calculator — Multi-tier overtime premium computation at 1.5x, 2x, and 3x rates with annualised projections for total compensation comparison.
• Severance Pay Calculator — Statutory severance modelling using N+1 and 2N formulas with vacation payout and notice-period compensation components.
• Retirement Pension Estimator — Defined-benefit pension projection using standard accrual formulas with replacement rate analysis and lifetime value estimation.

Privacy Architecture

All calculations are executed entirely within the user's browser using client-side JavaScript. Financial inputs — salary data, tax parameters, service years — are never transmitted to external servers, stored in databases, or collected by analytics services. This architecture eliminates the privacy and security risks inherent in server-dependent financial tools while providing instant computational results without network latency.

Methodology & Limitations

Our calculation engines use publicly available data sources: IRS tax brackets and standard deduction amounts (updated annually), state-level tax rate schedules, and standard actuarial pension formulas. Results are analytical estimates intended for planning and decision-support purposes. Individual circumstances may vary materially from modelled scenarios. These tools do not constitute professional financial, tax, or legal advice. Users should consult qualified professionals for definitive guidance on matters affecting their financial position.

Contact Us

We welcome inquiries, feedback, and collaboration proposals. Please visit our Contact page for communication channels.