{"ships":[{"day":1,"name":"Spoofdesk","tagline":"Email spoofability courtroom — can someone forge mail as this domain?","blurb":"Flagship OSINT / email-auth craft: SPF graph, DKIM sweep, DMARC, MX, BIMI, MTA-STS, TLS-RPT — one passive spoofability case file. No mail sent. Day 1.","url":"https://spoofdesk.darren-ee5.workers.dev","apiUrl":"https://spoofdesk.darren-ee5.workers.dev/api/spoof","tags":["osint","email-auth","spoofing","dmarc"]},{"day":2,"name":"Danglemap","tagline":"Dangling DNS / subdomain-takeover hunter — CT → CNAME → cloud fingerprints.","blurb":"Paste a domain. Fuse Certificate Transparency hostnames with CNAME/NS chains and known-unclaimed cloud fingerprints into ranked takeover scenarios, a remediation playbook, and a shareable case file. Passive only — the OSINT craft upgrade beyond dig + crt.sh. Day 2.","url":"https://danglemap.darren-ee5.workers.dev","apiUrl":"https://danglemap.darren-ee5.workers.dev/api/dangle","tags":["osint","ct","dns","takeover"]},{"day":3,"name":"Payguard","tagline":"UK bank-transfer pre-send hygiene — modulus, bank ID, payee checks, receipt.","blurb":"Enter sort code + account (+ payee). Get Vocalink modulus checks, bank identification, payee hygiene, and a fused proceed/stop verdict with a privacy-masked shareable receipt. Not Confirmation of Payee — the missing ‘I checked before I paid’ artifact for APP-fraud anxiety. Day 3 non-cyber.","url":"https://payguard.darren-ee5.workers.dev","apiUrl":"https://payguard.darren-ee5.workers.dev/api/check","tags":["finance","uk","payments","app-fraud"]},{"day":4,"name":"Doppelmap","tagline":"Brand lookalike / typosquat hunter — generate → DNS → CT → ranked case file.","blurb":"Paste a brand + legitimate apex. Doppelmap generates lookalikes (typos, hyphens, TLD swaps, ASCII confusables, brand+keyword), fuses Cloudflare DoH + crt.sh (+ optional HTTPS titles) into ranked phishing/squat risk, a remediation playbook, and a shareable case file. Passive only — the craft upgrade beyond dnstwist CLI + raw crt.sh. Day 4.","url":"https://doppelmap.darren-ee5.workers.dev","apiUrl":"https://doppelmap.darren-ee5.workers.dev/api/doppel","tags":["osint","brand","typosquat","ct"]},{"day":5,"name":"Delaypack","tagline":"UK rail Delay Repay — per-TOC table × fare (the £ amount is the product).","blurb":"Paste a delayed journey + fare. Each TOC’s published Delay Repay table (DR15 vs DR30, single/return/season columns) × fare becomes the claim amount — not one ~25/50/100 ladder. ContactOrder and letters still finish the job after the maths. Synthetic — verify on the operator site. Day 5.","url":"https://delaypack.darren-ee5.workers.dev","apiUrl":"https://delaypack.darren-ee5.workers.dev/api/analyze","tags":["rail","delay-repay","uk","consumer","claims"]},{"day":6,"name":"Fluxdesk","tagline":"Fast-flux phishing infra courtroom — multi-DoH, TTL, ASN, cloaking.","blurb":"Paste a suspicious domain. Fuse Cloudflare + Google + Quad9 DoH with TTL, IP/ASN diversity (Team Cymru), resolver disagreement, and SSRF-safe HTTPS cloaking hints into one A–F fast-flux grade, a CISA-style remediation playbook, and a shareable case file. Passive public DNS — the craft upgrade beyond dig + a single VT glance. Day 6.","url":"https://fluxdesk.darren-ee5.workers.dev","apiUrl":"https://fluxdesk.darren-ee5.workers.dev/api/analyze","tags":["osint","fast-flux","dns","phishing"]},{"day":7,"name":"Depositpack","tagline":"UK tenancy deposit — allow/challenge £ per deduction against check-in standard.","blurb":"Paste deposit facts and proposed deductions. Deterministic allowGbp/challengeGbp per line against the check-in standard (fair-wear → £0 allow), plus expected return if challenge holds. ADR/landlord letters follow the amount engine — not coaching alone. Synthetic — not legal advice. Day 7.","url":"https://depositpack.darren-ee5.workers.dev","apiUrl":"https://depositpack.darren-ee5.workers.dev/api/analyze","tags":["housing","deposit","uk","consumer","claims"]},{"day":8,"name":"Aitmdesk","tagline":"AiTM / passkey-helpdesk phishing URL courtroom — finishes the job with IOC/IT pack.","blurb":"Paste a suspicious helpdesk URL. Fuse multi-DoH signals with OAuth-on-wrong-host clues and passkey-root patterns into a phishing grade, then finish the job: user vs SOC actions, IOC pack, SIEM strings, IT report copy, and shareable case file — a Sep 2026 Microsoft/N0va news wedge. Day 8.","url":"https://aitmdesk.darren-ee5.workers.dev","apiUrl":"https://aitmdesk.darren-ee5.workers.dev/api/analyze","tags":["osint","phishing","aitm","identity"]},{"day":9,"name":"Flightpack","tagline":"UK261 care/comp path that finishes the job.","blurb":"Paste a disrupted UK flight. Finishes the claim: airline → CAA/ADR → court/small-claims contactOrder, diary-dated nextSteps, CAA/UK261 care-vs-comp (NATS extraordinary-circumstances keeps care owed), evidence + claim/expense letters. Synthetic — not legal advice. Day 9.","url":"https://flightpack.darren-ee5.workers.dev","apiUrl":"https://flightpack.darren-ee5.workers.dev/api/analyze","tags":["aviation","uk261","uk","consumer","claims"]},{"day":10,"name":"Luremap","tagline":"Trusted-cloud lure → AiTM staging hunter — finishes the job with IOC/IT pack.","blurb":"Paste a suspicious URL. Walk SSRF-safe hops, classify trusted-cloud staging (Google Sites/Docs, GCS, Adobe, Canva, SharePoint, Linktree, shorteners) vs lookalike vs unknown, fuse multi-DoH + form fingerprints into an A–F staging grade, then finish the job: user vs SOC actions, IOC pack, SIEM strings, IT report copy, and shareable case file. Sep 2026 BigBear/SRA trusted-cloud AiTM wedge — the craft upgrade beyond raw redirect tracers. Day 10.","url":"https://luremap.darren-ee5.workers.dev","apiUrl":"https://luremap.darren-ee5.workers.dev/api/analyze","tags":["osint","phishing","aitm","redirects"]},{"day":11,"name":"Clickfixmap","tagline":"Vendor-script ClickFix / supply-chain courtroom — SRI, DoH, edge-rewrite fingerprints.","blurb":"Paste a third-party script or embed page. Fuse SSRF-safe fetch, multi-DoH, ClickFix/fake-CF challenge heuristics, SRI/CSP and edge-rewrite signals into an A–F supply-chain grade, remediation playbook, and shareable case file. Sep 2026 Brevo Cloudflare Worker ClickFix wedge — the craft upgrade beyond CSP paste courts and raw redirect tracers. Day 11.","url":"https://clickfixmap.darren-ee5.workers.dev","apiUrl":"https://clickfixmap.darren-ee5.workers.dev/api/analyze","tags":["osint","phishing","clickfix","supply-chain"]},{"day":12,"name":"Holdpack","tagline":"US customs niche — disposition code → exact ACE/PGA/ISF/CES filing.","blurb":"Paste an ACE-style hold / disposition code plus shipment facts. Product is the exact filing path (ISF amendment, PGA message set, CF28/entry amend, CES exam auth, denied-party packet) — not a supplier letter. Niche US customs desk; educational only. Day 12.","url":"https://holdpack.darren-ee5.workers.dev","apiUrl":"https://holdpack.darren-ee5.workers.dev/api/analyze","tags":["customs","freight","compliance","import","ops"]},{"day":13,"name":"Glyphmap","tagline":"Unicode / homoglyph / confusable URL courtroom.","blurb":"Paste a URL or brand+URL. Detect IDNA punycode, mixed-script, confusable chars vs claimed brand apex → A–F grade, role-split user/SOC actions, IOC pack (hosts/urls/punycode/confusables), IT report template, markdown + share. Finishes the job — not just a grade. Passive. Day 13 Muse-lane.","url":"https://glyphmap.darren-ee5.workers.dev","apiUrl":"https://glyphmap.darren-ee5.workers.dev/api/analyze","tags":["osint","homoglyph","idna","phishing"]},{"day":14,"name":"Hookmap","tagline":"OAuth redirect_uri allow-list diff — registered vs observed (defensive).","blurb":"Paste authorize URL / redirect_uris plus the IdP registered allow-list. Share page shows keep/add/remove/reject counts and a recommended allow-list that drops localhost, literal IP, and host-mismatch URIs (1.3.1). Defensive only — no exploit PoCs. Day 14.","url":"https://hookmap.darren-ee5.workers.dev","apiUrl":"https://hookmap.darren-ee5.workers.dev/api/analyze","tags":["osint","oauth","openid","redirects"]},{"day":15,"name":"Billpack","tagline":"UK energy bill vs live Ofgem price cap (your usage) — not a synthetic band.","blurb":"Paste standing charge + unit rate + usage. Annual estimate compared to the live Ofgem Direct Debit GB average price cap for 1 Oct–31 Dec 2026, re-priced at your kWh. Gas-only uses that same kWh for the bill and the cap (not the 9,500 kWh typical). Switch/complain ladder still finishes the job. Not a licensed comparison tool. Day 15.","url":"https://billpack.darren-ee5.workers.dev","apiUrl":"https://billpack.darren-ee5.workers.dev/api/analyze","tags":["uk","energy","bills","consumer"]},{"day":16,"name":"Parkmap","tagline":"Parked domain → brand defender + takedown action pack.","blurb":"Paste a domain. Passive DNS+DoH+HTTPS fingerprints → A–F staging risk, role-split brand-defender + SOC/takedown actions, IOC/host pack, paste-ready abuse ticket, markdown + share. Finishes triage — not just a grade. Day 16 Muse-lane.","url":"https://parkmap.darren-ee5.workers.dev","apiUrl":"https://parkmap.darren-ee5.workers.dev/api/analyze","tags":["osint","dns","parking","phishing"]},{"day":17,"name":"Smishmap","tagline":"Suspicious SMS / short-link → recipient + SOC action pack.","blurb":"Paste SMS body or short URL. SSRF-safe hop walk → A–F smish grade, role-split user/SOC actions, IOC pack (hosts/urls/shorteners), paste-ready IT SMS-phish report, markdown + share. Finishes triage — not just a grade. Day 17 Muse-lane.","url":"https://smishmap.darren-ee5.workers.dev","apiUrl":"https://smishmap.darren-ee5.workers.dev/api/analyze","tags":["osint","sms","phishing","shortlinks"]},{"day":18,"name":"Wearpack","tagline":"UK lease-return — priced damage + excess-mileage schedule to dispute.","blurb":"Paste lease term, mileage vs allowance, and damage items (no regs/VIN). Fair-wear class plus a priced schedule: mid-band damage £, excess miles × educational p/mile, and a disputeTotalGbp to challenge. Letters follow the number. Synthetic — not legal advice. Day 18.","url":"https://wearpack.darren-ee5.workers.dev","apiUrl":"https://wearpack.darren-ee5.workers.dev/api/analyze","tags":["uk","consumer","claims","lease"]},{"day":19,"name":"QRmap","tagline":"Parking QR sticker → driver + council/SOC action pack.","blurb":"Paste scanned parking QR URL or decoded payload. Operator lookalikes + UK no-QR guidance + card-harvest cues → A–F grade, role-split driver (don’t pay via QR) + SOC/council abuse actions, IOC pack, paste-ready report, official-app safe-verify, markdown + share. Finishes triage — not just a grade. Day 19 Muse-lane.","url":"https://qrmap.darren-ee5.workers.dev","apiUrl":"https://qrmap.darren-ee5.workers.dev/api/analyze","tags":["osint","phishing","qr","quishing","parking"]},{"day":20,"name":"Outagepack","tagline":"UK Ofcom AC path that finishes the job.","blurb":"Paste broadband/landline outage facts. Finishes the claim: provider complaint → ADR → Ofcom contactOrder, diary-dated nextSteps, Apr-2026 Ofcom AC maths (£10.34/day, £32.31 missed appointment, £6.46 delayed start), complaint + ADR letters. Synthetic — not legal advice. Day 20.","url":"https://outagepack.darren-ee5.workers.dev","apiUrl":"https://outagepack.darren-ee5.workers.dev/api/analyze","tags":["uk","broadband","ofcom","consumer","claims"]},{"day":21,"name":"Shiftpilot","tagline":"When should I run it? Cheapest window on today's live Agile half-hourly prices — with the £ you save.","blurb":"Pick your region and load (dishwasher, washer, dryer, heat-pump boost, storage heater, home battery). Shiftpilot pulls live Octopus Agile half-hourly prices for your GSP region, slides your run across every contiguous start time (with optional finish-by), and returns a start-at-HH:MM plan with a worked £ table — cheapest vs start-now vs average vs peak vs the 26.32p Ofgem cap — day stats, plunge/negative slots, run_now / wait_until / tomorrow_better, backups, and a shareable plan. Educational. Day 21.","url":"https://shiftpilot.darren-ee5.workers.dev","apiUrl":"https://shiftpilot.darren-ee5.workers.dev/api/plan","tags":["energy","consumer","live-pricing","agile","uk"]},{"day":22,"name":"Drawpilot","tagline":"Took cash from your pension and got hit with emergency tax? See the exact overpayment and the right HMRC form.","blurb":"UK flexible-drawdown first-withdrawal planner (2026/27). Enter other income, withdrawal type (UFPLS / drawdown / PCLS), gross amount, tax code and pot status. Drawpilot splits tax-free vs taxable (incl. Lump Sum Allowance cap), recomputes the provider's month-1 emergency PAYE deduction vs your true incremental annual tax (rUK and Scottish bands, £100k taper), shows the £ overpayment or underpayment, routes you to P55 / P50Z / P53Z / wait-for-PAYE / nothing-to-reclaim, compares withdrawal timing, and saves a shareable plan (/r/:id + .md). Educational, not financial advice. Day 22.","url":"https://drawpilot.darren-ee5.workers.dev","apiUrl":"https://drawpilot.darren-ee5.workers.dev/api/plan","tags":["uk","pensions","tax","hmrc","consumer"]},{"day":23,"name":"Repotrap","tagline":"Is this repo safe to open in my IDE or AI coding agent? Find every open-time auto-exec trap first.","blurb":"Paste a GitHub repo or upload a .zip / .tar.gz. Repotrap parses the archive (never executes it) and correlates 15 open-time / install-time auto-execution vectors across files — .git/config command keys × .gitattributes filter/diff drivers, VS Code folderOpen tasks, devcontainer initializeCommand, MCP / agent hooks, hidden-Unicode agent instructions, npm lifecycle, yarnPath, .envrc, pull_request_target + head checkout, symlink escapes — into a DO_NOT_OPEN / REVIEW_BEFORE_TRUST / LOW_RISK verdict, exposure matrix, file:line evidence, safe neutralise commands, ordered next steps and a shareable report. Defensive only. Day 23.","url":"https://repotrap.darren-ee5.workers.dev","apiUrl":"https://repotrap.darren-ee5.workers.dev/api/scan","tags":["security","supply-chain","devsecops","ai-agents","ide"]},{"day":24,"name":"Rootroll","tagline":"The DNS root key rolls on 11 Oct 2026. Will your validating resolver keep resolving? Paste its trust anchors and find out.","blurb":"Paste your resolver's root trust-anchor state — Unbound autotrust root.key, BIND trust-anchors / rndc managed-keys status, dnsmasq / OpenWrt / Pi-hole trust-anchor lines, Windows Get-DnsServerTrustAnchor, PowerDNS, Knot, systemd-resolved. Rootroll parses it (never runs anything), recomputes each key's RFC 4034 key tag and SHA-256 DS digest, checks them against the IANA root-anchors file and the live root DNSKEY set (DoH), models RFC 5011 add-hold-down timers against the KSK-2024 (38696) rollover date, and returns READY / AT_RISK / WILL_FAIL / BROKEN_NOW / NOT_VALIDATING with the exact fix line for your software, ordered next steps and a shareable report (/r/:id + .md). Defensive and passive. Day 24.","url":"https://rootroll.darren-ee5.workers.dev","apiUrl":"https://rootroll.darren-ee5.workers.dev/api/check","tags":["security","dns","dnssec","infrastructure","ops"]},{"day":25,"name":"Bandpilot","tagline":"Are you in the wrong Council Tax band? Real local sales, back-dated to 1991/2003, with the £ refund and the safe route — or a clear \"don't challenge\".","blurb":"England & Wales. Enter postcode, property type, your band and annual bill. Bandpilot pulls live postcodes.io (your local authority), HM Land Registry Price Paid sales in your postcode and street, and the UK House Price Index for your council and property type, back-dates every comparable sale (and your own sale or estimate) to the 1 Apr 1991 (England) / 1 Apr 2003 (Wales) valuation date with the worked index factor, maps each to a band, and gives a like-for-like median, neighbour-band mismatch check and verdict — STRONG CASE / ARGUABLE / NEIGHBOUR MISMATCH / LIKELY CORRECT / UNDERBANDED RISK (do not challenge: your band could rise). Then the money: Band D from your bill, annual saving, per-instalment, back-dated refund, the right VOA route (new-taxpayer formal challenge vs challenge with evidence), ordered next steps and a shareable report (/r/:id + .md). Day 25.","url":"https://bandpilot.darren-ee5.workers.dev","apiUrl":"https://bandpilot.darren-ee5.workers.dev/api/check","tags":["money","property","council-tax","consumer","uk"]},{"day":26,"name":"Minutepilot","tagline":"Got GitHub's \"used 90% / 100% of your Actions minutes\" email? See exactly when you run out, what the rest of the month will cost, which workflow is burning it, and the YAML that stops it.","blurb":"Paste GitHub's usage-report CSV (summarized or detailed) with your plan, billing cycle and budget, and optionally your workflow YAMLs. Minutepilot rates every row against the 1 Jan 2026 runner price table (and flags rows that don't match), works out how much of your included quota is used and the exact day it ran out or will run out, the trailing-7-day burn, what you'll be billed by cycle end (low/high), the day a $0 budget blocks CI or a budget cap is hit, and the split by repo, workflow and runner. It then reads your workflows: counts every cron run in the cycle, expands matrices, maps runners, and accounts for the 1-minute round-up per job. Findings cover cron schedules that run more often than hourly, missing concurrency, push+PR double runs, no path filters, macOS/Windows jobs that could run on Linux, larger runners and missing timeouts. Each finding comes with its saving in minutes and $, combined without double counting, and a copyable YAML patch. You get a before/after what-if, ordered next steps and a shareable report (/r/:id + .md). Usernames are pseudonymised; the raw CSV is never stored. Day 26.","url":"https://minutepilot.darren-ee5.workers.dev","apiUrl":"https://minutepilot.darren-ee5.workers.dev/api/check","tags":["devops","github","ci","cost","developer-tools"]},{"day":27,"name":"Bondpilot","tagline":"Should your money be in Premium Bonds, a savings account or a cash ISA? NS&I's live prize table, thousands of simulated draws and your real UK savings tax give the best split in pounds.","blurb":"Enter your Premium Bonds holding, any new cash, your income, other interest, the rates you can get and your ISA allowance left. Bondpilot reads NS&I's live monthly prize allocation (every prize band, odds and headline rate, with a checked snapshot fallback), simulates 12 monthly draws thousands of times for your exact holding (typical year, 1-in-10 bad and good years, chance of winning nothing), and works out your real tax on extra interest for 2026/27: unused Personal Allowance, the £5,000 starting rate for savings, the Personal Savings Allowance by band and the £100k–£125,140 taper. It then searches every split of your money across cash ISA, savings and Bonds, compares it with keeping things as they are, gives the break-even savings rate that would beat your Bonds, ordered next steps (including when to cash in so you don't lose a draw) and a shareable report (/r/:id + .md). Day 27.","url":"https://bondpilot.darren-ee5.workers.dev","apiUrl":"https://bondpilot.darren-ee5.workers.dev/api/check","tags":["money","savings","premium-bonds","tax","consumer","uk"]},{"day":28,"name":"Cliffpilot","tagline":"The UK tax cliffs you're on — £100k childcare cliff, 60% taper, Child Benefit charge — and the exact pension contribution that gets you off each one, priced to the penny for 2026/27.","blurb":"Enter your pay, other income, savings and dividends, your pension set-up, children and childcare, and student loans. Cliffpilot computes your whole 2026/27 position exactly — rUK or Scottish income tax with savings and dividends stacked correctly, NI, every student-loan plan, the High Income Child Benefit Charge (1% per £200 over £60k), the Personal Allowance taper, the £100,000 childcare cliff tested on both parents (working-parent funded hours + Tax-Free Childcare) and your annual-allowance room — then finds the extra salary-sacrifice, net-pay or relief-at-source contribution that lands you just under each cliff, what it costs in take-home pay, the cost per £1 into your pension (often negative: you end up with more cash and a bigger pot), the monthly payroll ask to 5 April 2027, ordered next steps before and after the 28 Oct Budget, and a shareable plan (/r/:id + .md). Day 28.","url":"https://cliffpilot.darren-ee5.workers.dev","apiUrl":"https://cliffpilot.darren-ee5.workers.dev/api/check","tags":["money","tax","pension","childcare","consumer","uk"]},{"day":29,"name":"Edgepick","tagline":"Choosing a firewall line for client sites? CISA's live exploited-vulnerability record plus NVD turned into emergency patch events, a track-record grade and the 3-year cost of patching them across your estate.","blurb":"Pick the firewall / VPN platforms you're choosing between (FortiGate, SonicWall, UniFi, pfSense, OPNsense, Sophos, WatchGuard, Meraki MX, Cisco Secure Firewall, PAN-OS, Check Point, Zyxel, DrayTek, MikroTik, Juniper SRX), enter sites, prices and your hourly rate. Edgepick reads CISA's live Known Exploited Vulnerabilities catalog (with mirror + cache fallback) and NVD's last-120-days critical count, matches each product line, clusters entries into emergency patch events, grades the track record (ransomware use downgrades), reports CISA's median remediation window and the share of exploited bugs in VPN/management components, prices the emergency labour across your sites, ranks 3-year total cost, and gives ordered next steps plus a dated evidence table for the client or insurer (/r/:id + .md). Day 29.","url":"https://edgepick.darren-ee5.workers.dev","apiUrl":"https://edgepick.darren-ee5.workers.dev/api/check","tags":["security","firewall","kev","msp","cyber-insurance","osint"]},{"day":30,"name":"Upratelock","tagline":"Will the triple lock still grow your State Pension — or will CPI-only leave you tens of thousands short? Five uprating rules, your NI years, Class 3 payback and deferral break-even in one plan.","blurb":"Enter your National Insurance years, years to State Pension age, Class 3 plans and any deferral. Upratelock starts from the full new State Pension (£241.30/week in 2026/27), applies the 10-year minimum and 35-year full rate, then projects under the triple lock, earnings-only, CPI-only, a flat 2.5% floor and a post-2030 adjusted lock. It prices buying missing years at the GOV.UK Class 3 rate (£18.40/week, overridable), shows payback under triple lock and CPI-only, models deferral (+1% per 9 weeks with the extra CPI-linked), runs an 8% CPI shock and today's-money view, and gives ordered next steps plus a shareable report (/r/:id + .md). Day 30.","url":"https://upratelock.darren-ee5.workers.dev","apiUrl":"https://upratelock.darren-ee5.workers.dev/api/check","tags":["money","pension","state-pension","ni","consumer","uk"]},{"day":31,"name":"Filingpilot","tagline":"When are your Companies House accounts actually due, what late-filing penalty hits if you miss, and which identity-verification gaps will block the filing — priced and ordered for directors and ACSPs.","blurb":"Enter company type, incorporation date, accounting reference date, whether these are first accounts, prior-year lateness, confirmation-statement review end, and how many directors/PSCs are identity-verified. Filingpilot computes the next accounts due date (private/LLP 9 months after ARD, public 6 months, with first-accounts rules), the automatic late-filing penalty bands from GOV.UK (£150–£1,500 private; £750–£7,500 public; doubled if successive years were late), a penalty schedule for +1/+31/+91/+181 days, the confirmation-statement clock (illustrative civil-penalty guidance clearly labelled), ECCTA identity-verification blockers (never asks for a personal code), ordered next steps and a shareable plan (/r/:id + .md). Day 31.","url":"https://filingpilot.darren-ee5.workers.dev","apiUrl":"https://filingpilot.darren-ee5.workers.dev/api/check","tags":["uk","companies-house","accounts","confirmation-statement","idv","directors","consumer"]},{"day":32,"name":"Ihtlock","tagline":"Will unused pension push your Inheritance Tax bill up from 6 April 2027 — and tip the £2m residence nil-rate band taper?","blurb":"Enter assets, unused pension, debts, spouse/charity gifts, home value to descendants, transferable NRB/RNRB and any PETs in the last 7 years. Ihtlock prices the estate under current rules (pension out) versus deaths on/after 6 Apr 2027 (pension in), applies the £325k NRB and £175k RNRB with the £1-for-£2 taper above £2m — so pension inclusion can itself erode RNRB — models the 36% charity rate and 7-year gift taper bands, shows the exact £ delta, ordered next steps and a shareable plan (/r/:id + .md). Educational, not tax advice. Day 32.","url":"https://ihtlock.darren-ee5.workers.dev","apiUrl":"https://ihtlock.darren-ee5.workers.dev/api/check","tags":["uk","inheritance-tax","pension","iht","estate","consumer","calculator"]},{"day":33,"name":"Mtdpilot","tagline":"Are you in the £50k / £30k / £20k Making Tax Digital cohort, when is the next quarterly update due, and what do late-payment points cost?","blurb":"Enter trading and property gross income, profits, other income and an as-of date. Mtdpilot finds your MTD for Income Tax mandation cohort (£50k from Apr 2026, £30k from Apr 2027, £20k from Apr 2028), builds the quarterly update calendar (7 Aug/Nov/Feb/May) with days remaining, sketches rUK Income Tax + Class 4 NI on your profits with payments-on-account, models late-submission points (£200 at 4 points from 2027/28; grace year 2026/27) and the late-payment penalty ladder (3%/4% + 10% p.a. daily), then gives ordered next steps and a shareable plan (/r/:id + .md). Educational, not tax advice. Day 33.","url":"https://mtdpilot.darren-ee5.workers.dev","apiUrl":"https://mtdpilot.darren-ee5.workers.dev/api/check","tags":["uk","mtd","hmrc","self-assessment","landlord","sole-trader","consumer","calculator"]}],"count":33,"liveStreakDay":33}