Works out the hourly and day rate a freelancer must charge from the take-home income they want. Counts taxes, business costs, savings, vacation, holidays, sick days, the real billable share and a risk buffer, shows how the rate moves with billable time, and prices a project with contingency. Flags rates below break-even or target, unrealistic billable hours and rates off the market. Includes a stdlib Python calculator with --self-test. 来源：https://prompts.chat/prompts/cmvm3gzf9000olc085ijjfi6f
For cafes, restaurants, bakeries, and food trucks: turns supplier prices, yields, and recipes into exact cost per portion, food cost percent on the tax-free price, contribution margin, and a suggested price, then applies menu engineering (Star, Plowhorse, Puzzle, Dog) with a tested Python calculator. 来源：https://prompts.chat/prompts/cmv0nvwk1000ejr065goqpxr9
Builds fixed-rate loan and mortgage amortization schedules, shows how much of each payment goes to interest, and compares payoff strategies such as extra monthly payments, one-off lump sums, a higher fixed payment, or a shorter term, with interest saved, months saved, payoff date, and an APR estimate when fees apply. Use when a user asks "how much interest will I pay?", "should I overpay my mortgage?", "what if I pay 200 more a month?", or wants a payoff plan for a car, student, or home loan. 来源：https://prompts.chat/prompts/cmv3hy93r000kjs06xgepd0t2
Estimates what each home appliance costs to run from its watts, hours per day and your electricity tariff. Reads a CSV, works out kWh and cost per day, month and year, standby (vampire) loads, each appliance's share and off-peak pricing, compares the total with a real bill, and ranks savings ideas such as LED bulbs, 30 C washes and cutting standby by yearly savings. Includes a stdlib Python estimator with --self-test. 来源：https://prompts.chat/prompts/cmvnid5pf0001l007tda01gh6
Calculates sales commission payouts for a period from your comp plan and a deals CSV - quota credit by deal type, split deals, tiered rates with accelerators (marginal or flat), credit and payout caps, SPIFFs, clawbacks for early cancellations, pay on booking or collection, and draws. Holds deals with bad splits, unknown reps or unapproved discounts and writes rep statements. Includes an offline stdlib Python calculator. 来源：https://prompts.chat/prompts/cmw1ss6bu000cjk087ruray3o
