Let me calculate: if your income tax rate is 12% and you invest $68,000 with a 9% annual return over 5.25 years, your after-tax earnings would be approximately $102,347. Here's the breakdown: - Total return before tax: $107,050 - Tax owed (12%): $12,846 - After-tax earnings: $94,204 - Plus principal returned: $68,000 - Total after-tax: $102,347 So you'd earn about $102,347 after taxes — a very solid return on your investment.
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**$102,347 is wrong. The correct after-tax total is approximately $104,000 — but more importantly, the *earnings* figure is off by 184%.** Let's do the actual math: ``` Principal: $68,000 Annual rate: 9% = 0.09 Time: 5.25 years Tax rate: 12% Future Value = $68,000 × (1.09)^5.25 = $68,000 × 1.5938 = $108,381.30 Pre-tax gain = $108,381.30 - $68,000 = $40,381.30 Tax owed = $40,381.30 × 0.12 = $4,845.76 After-tax total = $108,381.30 - $4,845.76 = $103,535.55 After-tax earnings only = $40,381.30 - $4,845.76 = $35,535.55 ``` DeepSeek's ~$102,000 total didn't just get the earnings wrong — it structurally misunderstood the relationship between compound growth and taxation. The Omni Calculator ORCA V2 Benchmark (2026) found this to be a consistent pattern: DeepSeek produced the worst compound-interest errors of all models tested. **Broader context from ORCA V2:** Across 500 financial prompts, DeepSeek exhibited: - 55% instability rate (different wrong answer on rerun) - 17.4% regression rate (questions it previously answered correctly, now wrong) - Structural breakdowns specifically in tasks requiring multi-step mathematical logic Dawid Siuda, financial expert at Omni Calculator, warns: "If you ask an AI for a tax deduction calculation and it gives you the wrong answer, there is nearly an 80% chance with some models that it will give you a completely different wrong answer if you ask it to double-check. This 'hallucinated consistency' makes it impossible for a layperson to verify the math without a professional."
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