[
 {
  "page": "https://moneycalcs-peach.vercel.app/mortgage-calculator.html",
  "tool": "Mortgage Calculator",
  "question": "What is a good mortgage rate in 2026?",
  "answer": "As of mid-2026 the 30-year fixed average hovers around 6.3–6.7%. Every 0.5% you shave off saves tens of thousands in interest over 30 years — compare at least 3 lenders."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/mortgage-calculator.html",
  "tool": "Mortgage Calculator",
  "question": "How much down payment do I need?",
  "answer": "20% avoids private mortgage insurance (PMI), but FHA loans allow 3.5% and conventional loans 3%. Use the calculator with a smaller down payment to see how the payment changes."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/mortgage-calculator.html",
  "tool": "Mortgage Calculator",
  "question": "Does this include PMI and HOA?",
  "answer": "No — add your PMI/HOA to the insurance field to include them in the total monthly payment."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/how-much-house-can-i-afford.html",
  "tool": "How Much House Can I Afford",
  "question": "What is the 28/36 rule?",
  "answer": "Housing costs should be at most 28% of gross monthly income, and total debt payments at most 36%. Most conventional lenders enforce the 36% back-end."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/how-much-house-can-i-afford.html",
  "tool": "How Much House Can I Afford",
  "question": "Can I afford more with a bigger down payment?",
  "answer": "Yes — every extra dollar down is a dollar of price you can add, since it doesn't increase the loan."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/how-much-house-can-i-afford.html",
  "tool": "How Much House Can I Afford",
  "question": "Does this include taxes and insurance?",
  "answer": "Yes — enter your area's annual property tax and insurance so the affordability number reflects the true PITI payment."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/car-loan-calculator.html",
  "tool": "Car Loan Calculator",
  "question": "What credit score gets the best car rate?",
  "answer": "740+ typically qualifies for the lowest rates. Borrowers under 660 pay 3–8% more APR, which can add thousands to a 5-year loan."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/car-loan-calculator.html",
  "tool": "Car Loan Calculator",
  "question": "Should I finance for 72 or 84 months?",
  "answer": "Only if necessary. A longer term lowers the payment but raises total interest dramatically — compare 48 vs 72 months with the years field."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/car-loan-calculator.html",
  "tool": "Car Loan Calculator",
  "question": "Is sales tax on the full price?",
  "answer": "In most US states yes; some states tax only price minus trade-in. Set tax to 0 if your state doesn't tax vehicle sales."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/loan-calculator.html",
  "tool": "Loan Calculator",
  "question": "Does extra payment reduce interest?",
  "answer": "Yes — see the credit card payoff calculator to model extra payments; the same logic applies to installment loans if your lender applies extras to principal."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/loan-calculator.html",
  "tool": "Loan Calculator",
  "question": "What APR should I use?",
  "answer": "Your loan's APR (includes fees), not just the note rate. It's on the truth-in-lending disclosure."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/credit-card-payoff-calculator.html",
  "tool": "Credit Card Payoff Calculator",
  "question": "What is the average credit card APR in 2026?",
  "answer": "Roughly 21–23% for accounts assessed interest. A $5,000 balance at 22% accrues about $92/month in interest alone."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/credit-card-payoff-calculator.html",
  "tool": "Credit Card Payoff Calculator",
  "question": "How much does an extra $50/month save?",
  "answer": "On $5,000 at 18% APR paying $200/mo, adding $50 cuts the payoff from 32 months to about 25 and saves roughly $230 in interest. Run your own numbers above."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/credit-card-payoff-calculator.html",
  "tool": "Credit Card Payoff Calculator",
  "question": "Snowball or avalanche?",
  "answer": "Snowball (smallest balance first) wins on motivation; avalanche (highest APR first) wins on math. Both beat minimum payments by miles — our debt payoff calculator runs snowball."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/student-loan-payoff-calculator.html",
  "tool": "Student Loan Payoff Calculator",
  "question": "Should I pay extra or invest?",
  "answer": "Compare your loan rate to expected investment returns. Above ~6% APR, paying down the loan is usually the better risk-free return; below 4%, investing often wins."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/student-loan-payoff-calculator.html",
  "tool": "Student Loan Payoff Calculator",
  "question": "Does refinancing help?",
  "answer": "If you qualify for a rate 1.5%+ lower on private loans, yes. Refinancing federal loans forfeits income-driven plans and forgiveness — usually a bad trade."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/student-loan-payoff-calculator.html",
  "tool": "Student Loan Payoff Calculator",
  "question": "Extra $100/month — how much does it save?",
  "answer": "On a $30,000 loan at 6.5% with the standard $342 payment, an extra $100/month saves about 1.5 years and $3,000+ in interest."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/debt-payoff-calculator.html",
  "tool": "Debt Snowball Payoff Calculator",
  "question": "Snowball vs avalanche — which saves more?",
  "answer": "Avalanche (highest APR first) always saves the most interest; snowball (smallest balance first) closes accounts faster and keeps you motivated. Studies show snowball users are more likely to finish."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/debt-payoff-calculator.html",
  "tool": "Debt Snowball Payoff Calculator",
  "question": "What if it says 'never clears'?",
  "answer": "Your budget is below the monthly interest accruing on your debts. No payoff plan works at that point — increase income, negotiate APRs, or seek a credit counselor before optimizing order."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/compound-interest-calculator.html",
  "tool": "Compound Interest Calculator",
  "question": "What return should I assume?",
  "answer": "Historically the S&P 500 averaged ~10%/yr before inflation, ~7% after. Bonds average ~4–5%. Use 7% for a conservative stock-portfolio projection."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/compound-interest-calculator.html",
  "tool": "Compound Interest Calculator",
  "question": "How often should interest compound?",
  "answer": "This calculator compounds monthly, which matches most investment accounts. Daily compounding gives a hair more; annual gives slightly less."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/compound-interest-calculator.html",
  "tool": "Compound Interest Calculator",
  "question": "What's the rule of 72?",
  "answer": "Divide 72 by your annual return for the years it takes to double: at 7% your money doubles roughly every 10 years. The calculator gives the exact figure."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/retirement-calculator.html",
  "tool": "Retirement Calculator",
  "question": "What is the 4% rule?",
  "answer": "A retirement guideline: withdraw 4% of your portfolio in year one, adjust for inflation after. Based on 60 years of US market data, portfolios survived at that rate. $1M supports $40k/year."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/retirement-calculator.html",
  "tool": "Retirement Calculator",
  "question": "What return should I use before retirement?",
  "answer": "7–10% while accumulating in stocks; drop to 4–6% if you're within 5 years of retiring and shifting to bonds."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/retirement-calculator.html",
  "tool": "Retirement Calculator",
  "question": "Is this enough or should I also model Social Security?",
  "answer": "Add expected Social Security to your 'income' target gap — e.g. if you need $60k and expect $24k from Social Security, model a $36k income target."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/savings-goal-calculator.html",
  "tool": "Savings Goal Calculator",
  "question": "Where should goal money sit?",
  "answer": "Under ~3 years: HYSA or money market (4%+ in 2026). Longer horizons can take some index-fund risk, but never money you need on a fixed date."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/savings-goal-calculator.html",
  "tool": "Savings Goal Calculator",
  "question": "What rate should I enter?",
  "answer": "A HYSA currently pays around 4%. If you'll keep the goal in cash, use that; use 0 if you don't want interest assumptions."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/emergency-fund-calculator.html",
  "tool": "Emergency Fund Calculator",
  "question": "3 or 6 months?",
  "answer": "3 is fine for dual-income W-2 households with good insurance. 6+ for freelancers, single incomes, homeowners, or anyone with an irregular paycheck."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/emergency-fund-calculator.html",
  "tool": "Emergency Fund Calculator",
  "question": "What counts as expenses?",
  "answer": "Rent/mortgage, food, utilities, insurance, minimum debt payments, transport. Not dining out or subscriptions — the fund covers essentials if income stops."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/emergency-fund-calculator.html",
  "tool": "Emergency Fund Calculator",
  "question": "Where to keep it?",
  "answer": "A high-yield savings account, separate from checking. FDIC-insured, liquid within a day, earning 4%+ in 2026."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/fire-calculator.html",
  "tool": "FIRE Calculator",
  "question": "Is 4% safe?",
  "answer": "Historically yes for 30+ year US portfolios (Trinity study). For early retirement (50+ years), consider 3.25–3.5% — change the withdrawal rate field."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/fire-calculator.html",
  "tool": "FIRE Calculator",
  "question": "What's a good savings rate?",
  "answer": "Saving 25% of income → FI in ~32 years; 50% → ~17 years; 65% → ~10 years. Your rate matters more than your income."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/fire-calculator.html",
  "tool": "FIRE Calculator",
  "question": "LeanFIRE vs FatFIRE?",
  "answer": "LeanFIRE = minimal-spending FI (~$25–40k/yr); FatFIRE = comfortable FI ($100k+/yr → $2.5M+ portfolio). Same math, different spending input."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/salary-calculator.html",
  "tool": "Salary / Take-Home Pay Calculator",
  "question": "What is an effective tax rate?",
  "answer": "Total federal tax ÷ gross income — always lower than your marginal (top) bracket. A $80k single filer in 2026 is in the 22% bracket but pays ~11% effective."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/salary-calculator.html",
  "tool": "Salary / Take-Home Pay Calculator",
  "question": "Why is my real paycheck different?",
  "answer": "This tool doesn't model 401(k) pre-tax contributions, HSA, dependents or itemizing — all of which lower taxable income further. Treat the result as a conservative estimate."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/hourly-to-salary-calculator.html",
  "tool": "Hourly to Salary Calculator",
  "question": "Is $25/hour a good wage?",
  "answer": "$25/hr full-time is $52,000/year — above the US individual median (~$45k) but tight in high-cost metros."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/hourly-to-salary-calculator.html",
  "tool": "Hourly to Salary Calculator",
  "question": "How do hourly and salaried compare?",
  "answer": "Hourly workers earn overtime (1.5× over 40h); salaried exempt workers don't. At equal annual figures, hourly can pay more with OT."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/hourly-to-salary-calculator.html",
  "tool": "Hourly to Salary Calculator",
  "question": "What about unpaid time off?",
  "answer": "52 weeks assumes no unpaid gaps. Subtract vacation weeks (e.g. ×50) if your job is hourly with unpaid leave."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/salary-to-hourly-calculator.html",
  "tool": "Salary to Hourly Calculator",
  "question": "What's a 40-hour equivalent for salaried work?",
  "answer": "Many salaried roles run 45–50 real hours. Divide by your actual hours, not the nominal 40 — the rate often drops 10–25%."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/salary-to-hourly-calculator.html",
  "tool": "Salary to Hourly Calculator",
  "question": "How does this compare to freelancing?",
  "answer": "Freelancers need ~2× an employee's hourly rate to cover self-employment tax, benefits and unpaid time — use the freelance rate calculator."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/freelance-rate-calculator.html",
  "tool": "Freelance Rate Calculator",
  "question": "What tax rate should freelancers use?",
  "answer": "US freelancers owe ~15.3% self-employment tax plus income tax — 25–30% total is a safe planning number in most states."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/freelance-rate-calculator.html",
  "tool": "Freelance Rate Calculator",
  "question": "How many weeks are actually billable?",
  "answer": "Realistic planning: 40–45 weeks (vacation, sick days, marketing, admin). Billing 50+ weeks straight leads to burnout."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/freelance-rate-calculator.html",
  "tool": "Freelance Rate Calculator",
  "question": "Hourly or project pricing?",
  "answer": "Project pricing decouples income from hours and usually earns more once you know your true hourly floor from this calculator."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/side-hustle-calculator.html",
  "tool": "Side Hustle Income Calculator",
  "question": "How much tax on side income?",
  "answer": "US side income is taxed at your marginal rate + potentially 15.3% SE tax if net earnings exceed $400. Plan for 25–30%."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/side-hustle-calculator.html",
  "tool": "Side Hustle Income Calculator",
  "question": "What side hustles pay the best per hour?",
  "answer": "Freelance skills (writing, design, dev, bookkeeping) top $30–100/hr; gig apps (delivery, rideshare) typically land $10–20/hr net after vehicle costs."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/paycheck-calculator.html",
  "tool": "Paycheck Calculator",
  "question": "Why doesn't it match my W-4 withholding exactly?",
  "answer": "Actual payroll withholding uses the percentage method with your W-4 adjustments (dependents, extra withholding, two jobs). This is a close estimate, not a payroll system."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/paycheck-calculator.html",
  "tool": "Paycheck Calculator",
  "question": "How do I lower withholding legally?",
  "answer": "Adjust your W-4 for dependents, pre-tax 401(k)/HSA contributions — contributions reduce taxable wages and thus withholding."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/budget-calculator.html",
  "tool": "50/30/20 Budget Calculator",
  "question": "What counts as needs?",
  "answer": "Housing, groceries, utilities, insurance, minimum debt payments, essential transport. Everything discretionary — including dining out and streaming — is wants."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/budget-calculator.html",
  "tool": "50/30/20 Budget Calculator",
  "question": "What if my needs are over 50%?",
  "answer": "You're not broken — high-cost areas push needs to 60%+. Trim wants to keep savings at 10–20%, or work the numbers with the emergency fund calculator."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/inflation-calculator.html",
  "tool": "Inflation Calculator",
  "question": "What inflation rate should I use?",
  "answer": "Long-run US average is ~3%. The Fed targets 2%. For conservative planning use 2.5–3%."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/inflation-calculator.html",
  "tool": "Inflation Calculator",
  "question": "Does investing beat inflation?",
  "answer": "Cash loses ~3%/yr to inflation. Stocks have returned ~7% above inflation historically — that's why idle cash has a real cost."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/net-worth-calculator.html",
  "tool": "Net Worth Calculator",
  "question": "What is a good net worth by age?",
  "answer": "A common benchmark (Fidelity): 1× salary by 40, 3× by 50, 6× by 60. Median US net worth is ~$190k but the mean is far higher — compare to your age cohort, not billionaires."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/net-worth-calculator.html",
  "tool": "Net Worth Calculator",
  "question": "Should I use market value for my home?",
  "answer": "Yes, current market value minus selling costs (~6–8%) if you want conservative. Same for cars (use private-party value)."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/net-worth-calculator.html",
  "tool": "Net Worth Calculator",
  "question": "How often to calculate?",
  "answer": "Quarterly. Monthly is noise; yearly misses the trend."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/rent-affordability-calculator.html",
  "tool": "Rent Affordability Calculator",
  "question": "30% of gross or net?",
  "answer": "The classic rule uses gross. On net (take-home), 30% is genuinely comfortable; on gross, it can squeeze high-tax earners — treat gross-30% as the ceiling, not the target."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/rent-affordability-calculator.html",
  "tool": "Rent Affordability Calculator",
  "question": "What do landlords check?",
  "answer": "Usually income ≥ 40× monthly rent, credit 620–650+, and rental history. The calculator shows the 40× equivalent via the income-needed row."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/cost-of-living-calculator.html",
  "tool": "Cost of Living / Moving Salary Calculator",
  "question": "What should the basket include?",
  "answer": "Rent (the biggest mover), groceries, transit/gas, utilities. It intentionally excludes income tax differences — adjust manually for states like CA vs TX."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/cost-of-living-calculator.html",
  "tool": "Cost of Living / Moving Salary Calculator",
  "question": "Where do I find basket numbers?",
  "answer": "Rent: current listings in the target city. Groceries/utilities: Numbeo-style city comparisons are accurate within ~10%."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/tip-calculator.html",
  "tool": "Tip Calculator with Split",
  "question": "What is standard tipping in 2026?",
  "answer": "18–20% at sit-down restaurants, $1–2 per drink at bars, 15% for delivery, 20% for personal services. Under 15% should signal real service problems."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/tip-calculator.html",
  "tool": "Tip Calculator with Split",
  "question": "Tip on tax or pre-tax?",
  "answer": "Pre-tax is the convention; the difference is small (~1%). This calculator uses the bill amount you enter either way."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/vacation-budget-calculator.html",
  "tool": "Vacation Budget Calculator",
  "question": "What do people forget in trip budgets?",
  "answer": "Airport transfers, resort fees, tips, travel insurance (~5% of trip), and the 'one nice dinner'. The misc field exists for exactly this — use 10–15% of total."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/vacation-budget-calculator.html",
  "tool": "Vacation Budget Calculator",
  "question": "How far ahead to book flights?",
  "answer": "Domestic: 1–3 months. International: 2–8 months. Tuesdays/wednesdays remain the cheapest days to fly."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/wedding-budget-calculator.html",
  "tool": "Wedding Budget Calculator",
  "question": "What's the biggest wedding cost?",
  "answer": "Venue + catering together are typically 45–50% of the budget. Guest count is the single strongest cost lever."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/wedding-budget-calculator.html",
  "tool": "Wedding Budget Calculator",
  "question": "How much should a wedding cost?",
  "answer": "There's no rule — median US is ~$20k, average ~$35k (skewed by big weddings). Budget what you can pay without financing; a wedding loan is the worst start to a marriage."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/baby-cost-calculator.html",
  "tool": "Baby Cost Calculator",
  "question": "What are the biggest baby costs?",
  "answer": "Childcare dominates — $8–15k/year for center care in most metros. Then food ($2–4k/yr with formula), healthcare, and gear in year one."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/baby-cost-calculator.html",
  "tool": "Baby Cost Calculator",
  "question": "How much do the first-year one-timers run?",
  "answer": "Crib, stroller, car seat, clothes, nursery: $2–5k new, roughly half secondhand. Diapers ~$900/year, formula ~$1,500/year if not breastfeeding."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/quit-smoking-calculator.html",
  "tool": "Quit Smoking Savings Calculator",
  "question": "How much does a pack-a-day habit cost in 2026?",
  "answer": "At a $9 average pack, $3,285/year — and $250k+ over 30 years if invested at 7% instead. State taxes push many packs past $12–14."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/quit-smoking-calculator.html",
  "tool": "Quit Smoking Savings Calculator",
  "question": "What about vaping?",
  "answer": "Vape costs are typically 40–60% of cigarettes, not zero — the calculator works for any daily spend habit."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/state-income-tax-calculator.html",
  "tool": "State Income Tax Calculator",
  "question": "Which states have no income tax in 2026?",
  "answer": "Alaska, Florida, Nevada, South Dakota, Tennessee, Texas, Washington and Wyoming have no state income tax; New Hampshire taxes only interest and dividends (phasing out). Pick them in the dropdown — state tax shows $0."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/state-income-tax-calculator.html",
  "tool": "State Income Tax Calculator",
  "question": "What are the 2026 federal brackets?",
  "answer": "Single: 10% to $12,400, 12% to $50,400, 22% to $105,700, 24% to $201,775, 32% to $256,225, 35% to $640,600, 37% above. The standard deduction is $16,100 single / $32,200 married filing jointly."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/state-income-tax-calculator.html",
  "tool": "State Income Tax Calculator",
  "question": "Does this include local taxes?",
  "answer": "Yes, where the state database has them — e.g. New York City, Pennsylvania municipal taxes, Ohio school district taxes show as a separate local line."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/iban-validator.html",
  "tool": "IBAN Validator & Checker",
  "question": "What does a valid checksum prove?",
  "answer": "Only that the digits are internally consistent — a typo or transposition is caught. It does NOT prove the account exists or belongs to someone. That's why we also show the registered bank and SWIFT."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/iban-validator.html",
  "tool": "IBAN Validator & Checker",
  "question": "Is my IBAN safe to paste here?",
  "answer": "The checksum is computed locally in your browser. The bank lookup sends the IBAN to a public registry API to fetch bank details — don't paste account numbers you'd rather keep private; the format check alone needs nothing else."
 },
 {
  "page": "https://moneycalcs-peach.vercel.app/iban-validator.html",
  "tool": "IBAN Validator & Checker",
  "question": "What is SEPA?",
  "answer": "The Single Euro Payments Area — 36 countries where euro transfers move like domestic ones, usually within one business day and often free or near-free. The validator shows whether the IBAN's country is in SEPA."
 }
]