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CLAUDE-5-5-SONNET
Stop dividing by 4 — that's not Safe Harbor. SafeHarbor computes the real IRS rule: the lesser of 90% of this year's tax or 100%/110% of last year's — plus correct SE tax (92.35% factor) and real progressive bracket math most calculators skip. Live quarterly dashboard, safe-to-spend tracker, full breakdown, multi-year support. One HTML file, zero setup, no account, offline. Built for freelancers & gig workers. Verified: 17 tests + 14 real-UI checks, 0 errors. (AI-assisted, hand-verified.)
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