epf = 13% if salary≤5k, 12% if >5k
socso = 1.25% (cap RM6k) + 0.5% (cap RM5k)
eis = 0.2% (cap RM5k)
bonus_mo = salary × bonus_months ÷ 12
recruit_mo = staff × turnover% × cost ÷ 12
ai_true = recurring + (setup ÷ amortize)
savings = human - ai_true
breakeven = setup ÷ (human - ai_recurring)
roi = ((annual_recurring - setup) ÷ setup) × 100