Koskamo

DecisionsCalc MCP

An official Model Context Protocol server providing read-only access to DecisionsCalc's financial and welfare calculators for multiple countries. It allows AI agents to perform precise calculations for taxes, benefits, and life costs using official government rates and published averages, ensuring agents cite accurate sources rather than guessing.

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Endpoint and access

No sign-in to connect and list tools. Individual tools may still need a vendor account, credentials, or permissions; check the documented prerequisites.

DecisionsCalc MCP logo, by DecisionsCalcVendor evidenceStreamable HTTPNo sign-inEndpoint checked 2026-11-06Operated by DecisionsCalc
MCP endpoint (Streamable HTTP)
https://decisionscalc.com/mcp
Vendor documentation

What its tools do

27 tools, grouped by the hints the server advertises. Hints are self-declared, not verified behavior.

Read-only (27)

27 of 27 have a description · 27 of 27 declare behavior hints · 24 of 27 with parameters document them all

Checks and signals

Each line is separate evidence, not a trust score.

  • Passed Endpoint answered the live check ·
  • Passed Official MCP Registry namespace is tied to decisionscalc.com ·
  • Passed Endpoint is on the registry namespace domain ·
  • Availability 1 of 1 checks passed in 30 days

What you can do with it

  • Calculate Irish social welfare payments and tax credits using official 2026/2027 rates
  • Estimate UK National Insurance and stamp duty costs for property transactions
  • Determine US paid leave entitlements and household income gaps
  • Compute true cost of ownership for cars or homes including depreciation and maintenance

Source and maintenance

Vendor evidenceRegistry 1.4.0
mcp-registry: com.decisionscalc/calculators@1.4.0Source repositoryProject website
Maintenance checked

Protocol and capabilities

Server
decisionscalc 1.4.0
MCP protocol negotiated in check
2025-11-25
Tools
27 advertised
Resources
Not advertised
Resource templates
Not advertised
Prompts
Not advertised
Server-advertised capabilities
{
  "tools": {
    "listChanged": false
  }
}

Server-provided instructions

Untrusted server output shown for inspection. It is not Koskamo guidance and is excluded from knowledge search.

Calculators built on official rules (2026 and 2027 rates): Irish welfare and taxes, UK property taxes, Canadian and Quebec parental benefits, Australian health insurance rebate, NZ KiwiSaver, parental leave pay in five countries. Each result includes the calculator page and the official sources; cite them. Estimates only: the relevant government department decides.

Tools

27 advertised

ireland_what_can_i_claim — ireland what can i claim
Advertised by the server during the last successful anonymous check.
Advertised read-only

Ireland: list the social welfare payments and tax credits a household may get (Child Benefit, New Baby Grant, Working Family Payment, Maternity Benefit, Carer’s Allowance, State Pension, Fuel Allowance, Rent Tax Credit) with estimated amounts, using official 2026/2027 rates.

ireland_what_can_i_claim input schema
{
  "type": "object",
  "properties": {
    "pay1": {
      "type": "number",
      "description": "Applicant gross pay a year, EUR"
    },
    "pay2": {
      "type": "number",
      "description": "Partner gross pay a year, EUR"
    },
    "year": {
      "enum": [
        2026,
        2027
      ],
      "type": "number",
      "description": "2026 or 2027"
    },
    "aged66": {
      "type": "boolean",
      "description": "Applicant is 66 or over"
    },
    "caring": {
      "type": "boolean",
      "description": "Cares full-time for someone"
    },
    "couple": {
      "type": "boolean",
      "description": "Lives with a spouse, civil partner or cohabitant"
    },
    "renter": {
      "type": "boolean",
      "description": "Rents their home"
    },
    "savings": {
      "type": "number",
      "description": "Savings, EUR (not the home)"
    },
    "children": {
      "type": "number",
      "description": "Number of children getting Child Benefit"
    },
    "expecting": {
      "type": "boolean",
      "description": "Expecting a baby"
    },
    "prsiYears": {
      "type": "number",
      "description": "Years of paid PRSI (for the State Pension)"
    },
    "hoursFortnight": {
      "type": "number",
      "description": "Hours worked a fortnight, combined"
    }
  }
}
ireland_what_can_i_claim annotations
{
  "readOnlyHint": true,
  "openWorldHint": false
}
ireland_working_family_payment — ireland working family payment
Advertised by the server during the last successful anonymous check.
Advertised read-only

Ireland: estimate the Working Family Payment (weekly, tax-free) for a family, from gross pay, number of children and hours worked, using the official income limits (2026, and +€30 from January 2027) and the 60% rule.

ireland_working_family_payment input schema
{
  "type": "object",
  "required": [
    "children",
    "pay1"
  ],
  "properties": {
    "pay1": {
      "type": "number",
      "description": "Gross pay a year, EUR"
    },
    "pay2": {
      "type": "number",
      "description": "Partner gross pay a year, EUR"
    },
    "year": {
      "enum": [
        2026,
        2027
      ],
      "type": "number",
      "description": "2026 or 2027"
    },
    "couple": {
      "type": "boolean",
      "description": "Has a spouse or partner"
    },
    "pension": {
      "type": "number",
      "description": "Pension contributions a year, EUR"
    },
    "children": {
      "type": "number",
      "description": "Number of children"
    },
    "otherWeekly": {
      "type": "number",
      "description": "Other assessable income a week, EUR"
    },
    "hoursFortnight": {
      "type": "number",
      "description": "Hours worked a fortnight, combined"
    }
  }
}
ireland_working_family_payment annotations
{
  "readOnlyHint": true,
  "openWorldHint": false
}
ireland_rent_tax_credit — ireland rent tax credit
Advertised by the server during the last successful anonymous check.
Advertised read-only

Ireland: how much Rent Tax Credit a renter can claim for each year 2022–2026 (20% of rent, capped per year), including back-claims. Claims for 2022 must be made by 31 December 2026 (Revenue four-year rule).

ireland_rent_tax_credit input schema
{
  "type": "object",
  "required": [
    "monthlyRent"
  ],
  "properties": {
    "couple": {
      "type": "boolean",
      "description": "Jointly assessed married couple or civil partners"
    },
    "monthlyRent": {
      "type": "number",
      "description": "Rent paid a month, EUR (same every year)"
    }
  }
}
ireland_rent_tax_credit annotations
{
  "readOnlyHint": true,
  "openWorldHint": false
}
ireland_carers_allowance — ireland carers allowance
Advertised by the server during the last successful anonymous check.
Advertised read-only

Ireland: estimate the weekly Carer’s Allowance from the official means test (income disregard €1,000/€2,000 from July 2026, €1,150/€2,300 from July 2027; savings bands; Department rate table).

ireland_carers_allowance input schema
{
  "type": "object",
  "properties": {
    "earn1": {
      "type": "number",
      "description": "Carer weekly gross earnings, EUR"
    },
    "earn2": {
      "type": "number",
      "description": "Partner weekly gross earnings, EUR"
    },
    "aged66": {
      "type": "boolean",
      "description": "Carer is 66 or over"
    },
    "couple": {
      "type": "boolean",
      "description": "Has a spouse or partner"
    },
    "period": {
      "enum": [
        "h2-2026",
        "h1-2027",
        "h2-2027"
      ],
      "type": "string",
      "description": "July–Dec 2026, Jan–Jun 2027, or from July 2027"
    },
    "capital": {
      "type": "number",
      "description": "Savings and investments, EUR (combined)"
    },
    "caringForTwoOrMore": {
      "type": "boolean",
      "description": "Cares for two or more people"
    }
  }
}
ireland_carers_allowance annotations
{
  "readOnlyHint": true,
  "openWorldHint": false
}
ireland_jobseekers_pay_related_benefit — ireland jobseekers pay related benefit
Advertised by the server during the last successful anonymous check.
Advertised read-only

Ireland: Jobseeker’s Pay-Related Benefit week by week for a job lost on or after 28 March 2025: 60% of average gross weekly pay up to €450 (weeks 1–13), 55% up to €375 (14–26), 50% up to €300 (27–39) with 260+ paid PRSI contributions, or 50% up to €300 for 26 weeks with 104–259; minimum €125; paid from the first Monday; apply within 6 weeks; redundancy has no effect; part-time days move to Jobseeker’s Benefit.

ireland_jobseekers_pay_related_benefit input schema
{
  "type": "object",
  "required": [
    "lastDayOfWork",
    "earnings",
    "totalPaidContributions"
  ],
  "properties": {
    "earnings": {
      "type": "number",
      "description": "Gross pay before tax, EUR"
    },
    "weeksPaid": {
      "type": "number",
      "description": "Weeks of PRSI paid in the 12 months averaged (default 52)"
    },
    "dateOfBirth": {
      "type": "string",
      "description": "YYYY-MM-DD"
    },
    "partTimeDays": {
      "type": "number",
      "description": "Part-time days worked a week (0–3)"
    },
    "lastDayOfWork": {
      "type": "string",
      "description": "Last day of work, YYYY-MM-DD"
    },
    "earningsPeriod": {
      "enum": [
        "year",
        "week"
      ],
      "type": "string"
    },
    "applyAfterWeeks": {
      "type": "number",
      "description": "Weeks after the job ends before applying"
    },
    "partTimeFromWeek": {
      "type": "number",
      "description": "Benefit week the part-time work starts"
    },
    "redundancyLumpSum": {
      "type": "number",
      "description": "Redundancy payment, EUR"
    },
    "totalPaidContributions": {
      "type": "number",
      "description": "Class A/H/P PRSI contributions paid since starting work"
    }
  }
}
ireland_jobseekers_pay_related_benefit annotations
{
  "readOnlyHint": true,
  "openWorldHint": false
}
ireland_fuel_allowance — ireland fuel allowance
Advertised by the server during the last successful anonymous check.
Advertised read-only

Ireland: check the Fuel Allowance means test (66+: €534 a week single, €640.80 from January 2027; under 66 needs a qualifying payment) and the 2026/27 season amount (€38, then €43 a week; €1,134 in lump sums).

ireland_fuel_allowance input schema
{
  "type": "object",
  "required": [
    "incomeWeekly"
  ],
  "properties": {
    "aged66": {
      "type": "boolean",
      "description": "Applicant is 66 or over"
    },
    "couple": {
      "type": "boolean",
      "description": "Lives with a partner"
    },
    "period": {
      "enum": [
        "2026",
        "2027"
      ],
      "type": "string"
    },
    "capital": {
      "type": "number",
      "description": "Savings, EUR"
    },
    "partner66": {
      "type": "boolean",
      "description": "Partner is 66 or over"
    },
    "householdOk": {
      "type": "boolean",
      "description": "Lives alone or only with people the rules allow"
    },
    "incomeWeekly": {
      "type": "number",
      "description": "Gross weekly income that counts, EUR"
    },
    "qualifyingPayment": {
      "type": "boolean",
      "description": "Under 66: gets a qualifying social welfare payment"
    }
  }
}
ireland_fuel_allowance annotations
{
  "readOnlyHint": true,
  "openWorldHint": false
}
ireland_state_pension_contributory — ireland state pension contributory
Advertised by the server during the last successful anonymous check.
Advertised read-only

Ireland: estimate the State Pension (Contributory) weekly rate under the Department’s Total Contributions Approach (paid PRSI + up to 520 credits + HomeCaring Periods; 2,080 for the full rate).

ireland_state_pension_contributory input schema
{
  "type": "object",
  "required": [
    "paidWeeks"
  ],
  "properties": {
    "drawdown": {
      "enum": [
        "2026-66",
        "2026-67",
        "2026-68",
        "2027-66"
      ],
      "type": "string",
      "description": "Year and age the pension starts"
    },
    "paidWeeks": {
      "type": "number",
      "description": "Paid reckonable PRSI contributions (weeks)"
    },
    "creditWeeks": {
      "type": "number",
      "description": "Credited contributions (weeks)"
    },
    "homeCaringWeeks": {
      "type": "number",
      "description": "HomeCaring Periods (weeks)"
    }
  }
}
ireland_state_pension_contributory annotations
{
  "readOnlyHint": true,
  "openWorldHint": false
}
ireland_budget_2027_take_home — ireland budget 2027 take home
Advertised by the server during the last successful anonymous check.
Advertised read-only

Ireland: take-home pay in 2026 against 2027 after Budget 2027 (income tax bands and credits, USC, PRSI, rent credit), line by line.

ireland_budget_2027_take_home input schema
{
  "type": "object",
  "required": [
    "status",
    "pay1"
  ],
  "properties": {
    "pay1": {
      "type": "number",
      "description": "Gross pay a year, EUR"
    },
    "pay2": {
      "type": "number",
      "description": "Partner gross pay a year, EUR (married-two)"
    },
    "renter": {
      "type": "boolean",
      "description": "Claims the rent tax credit"
    },
    "status": {
      "enum": [
        "single",
        "single-parent",
        "married-one",
        "married-two"
      ],
      "type": "string"
    },
    "homeCarer": {
      "type": "boolean",
      "description": "Home carer credit (married-one)"
    },
    "selfEmployed": {
      "type": "boolean",
      "description": "Self-employed"
    }
  }
}
ireland_budget_2027_take_home annotations
{
  "readOnlyHint": true,
  "openWorldHint": false
}
ireland_maternity_leave_pay — ireland maternity leave pay
Advertised by the server during the last successful anonymous check.
Advertised read-only

Ireland: each parent’s take-home pay in the year of maternity/paternity/parent’s leave against a normal year (Maternity Benefit €299 a week in 2026, €309 from 2027; taxed but no USC or PRSI), the household gap and a monthly saving target.

ireland_maternity_leave_pay input schema
{
  "type": "object",
  "required": [
    "motherSalary"
  ],
  "properties": {
    "year": {
      "enum": [
        2026,
        2027
      ],
      "type": "number",
      "description": "2026 or 2027"
    },
    "motherSalary": {
      "type": "number",
      "description": "Mother gross pay a year, EUR"
    },
    "motherParents": {
      "type": "boolean",
      "description": "Mother also takes 9 weeks Parent’s Benefit"
    },
    "partnerSalary": {
      "type": "number",
      "description": "Partner gross pay a year, EUR (omit for none)"
    },
    "partnerParents": {
      "type": "boolean",
      "description": "Partner also takes 9 weeks Parent’s Benefit"
    },
    "motherTopUpWeeks": {
      "type": "number",
      "description": "Weeks the employer pays full salary"
    },
    "motherUnpaidWeeks": {
      "type": "number",
      "description": "Extra unpaid weeks (0–16)"
    },
    "partnerTopUpWeeks": {
      "type": "number",
      "description": "Partner weeks on full salary"
    }
  }
}
ireland_maternity_leave_pay annotations
{
  "readOnlyHint": true,
  "openWorldHint": false
}
ireland_help_to_buy — ireland help to buy
Advertised by the server during the last successful anonymous check.
Advertised read-only

Ireland: Help to Buy refund for a first-time buyer of a new build or self-build: the lesser of €35,000 (contracts from 7 October 2026; €30,000 before), 10% of the price, or income tax + DIRT paid in the previous 4 years; price limit €500,000; mortgage at least 70% of the price. Scheme runs to the end of 2029.

ireland_help_to_buy input schema
{
  "type": "object",
  "required": [
    "price",
    "taxPaid",
    "mortgage"
  ],
  "properties": {
    "price": {
      "type": "number",
      "description": "Purchase price (or approved valuation for a self-build), EUR"
    },
    "taxPaid": {
      "type": "number",
      "description": "Income tax + DIRT paid by all buyers in the 4 tax years before applying, EUR"
    },
    "mortgage": {
      "type": "number",
      "description": "Mortgage amount, EUR"
    },
    "contractDate": {
      "type": "string",
      "description": "Contract date YYYY-MM-DD (self-build: first drawdown). Default: today’s rules."
    }
  }
}
ireland_help_to_buy annotations
{
  "readOnlyHint": true,
  "openWorldHint": false
}
ireland_capital_gains_tax — ireland capital gains tax
Advertised by the server during the last successful anonymous check.
Advertised read-only

Ireland: capital gains tax on a disposal (shares, crypto, property other than your home): 31% for disposals from 7 October 2026 (33% before), 33% on development land, €1,270 annual exemption, losses, and the payment deadline (15 December for January–November disposals). Not for Irish/EU ETFs or funds, which pay exit tax.

ireland_capital_gains_tax input schema
{
  "type": "object",
  "required": [
    "disposalDate",
    "salePrice",
    "purchasePrice"
  ],
  "properties": {
    "asset": {
      "enum": [
        "general",
        "development-land"
      ],
      "type": "string",
      "description": "Asset type"
    },
    "costs": {
      "type": "number",
      "description": "Buying and selling costs, EUR"
    },
    "losses": {
      "type": "number",
      "description": "Allowable losses this year + carried forward, EUR"
    },
    "salePrice": {
      "type": "number",
      "description": "Sale price, EUR"
    },
    "enhancement": {
      "type": "number",
      "description": "Improvement costs, EUR"
    },
    "disposalDate": {
      "type": "string",
      "description": "Date of the sale (contract date) YYYY-MM-DD"
    },
    "exemptionUsed": {
      "type": "number",
      "description": "Part of this year’s €1,270 exemption already used, EUR"
    },
    "purchasePrice": {
      "type": "number",
      "description": "Purchase price, EUR"
    }
  }
}
ireland_capital_gains_tax annotations
{
  "readOnlyHint": true,
  "openWorldHint": false
}
ireland_inheritance_gift_tax — ireland inheritance gift tax
Advertised by the server during the last successful anonymous check.
Advertised read-only

Ireland: Capital Acquisitions Tax (CAT) on a gift or inheritance: group threshold by relationship (A child €420,000, B sibling/niece/nephew/grandchild/parent €44,000, C everyone else €22,000 from 7 October 2026; €400,000/€40,000/€20,000 before), 33% above the unused threshold after earlier benefits in the same group since 5 December 1991, the €3,000 small gift exemption, whether an IT38 return is needed (above 80% of the threshold) and the 31 October pay-and-file date. Spouses and civil partners are exempt; reliefs (dwelling house, agricultural, business, favourite nephew) are not applied.

ireland_inheritance_gift_tax input schema
{
  "type": "object",
  "required": [
    "group",
    "value",
    "date"
  ],
  "properties": {
    "date": {
      "type": "string",
      "description": "Date of the gift or inheritance YYYY-MM-DD (decides the threshold)"
    },
    "kind": {
      "enum": [
        "gift",
        "inheritance"
      ],
      "type": "string",
      "description": "Gift (during life) or inheritance (on death)"
    },
    "group": {
      "enum": [
        "A",
        "B",
        "C"
      ],
      "type": "string",
      "description": "Group by relationship to the person giving: A = child, B = parent/brother/sister/niece/nephew/grandparent/grandchild, C = anyone else"
    },
    "value": {
      "type": "number",
      "description": "Market value received, less debts and costs paid by you, EUR"
    },
    "priorInGroup": {
      "type": "number",
      "description": "Taxable value of earlier gifts/inheritances received in the same group since 5 December 1991, EUR (default 0)"
    }
  }
}
ireland_inheritance_gift_tax annotations
{
  "readOnlyHint": true,
  "openWorldHint": false
}
ireland_myfuturefund_pension — ireland myfuturefund pension
Advertised by the server during the last successful anonymous check.
Advertised read-only

Ireland: MyFutureFund (pension auto-enrolment, started January 2026): what you, your employer and the State pay in (1.5/1.5/0.5% rising to 6/6/2% by year 10, on pay up to €80,000) and the projected pot at retirement.

ireland_myfuturefund_pension input schema
{
  "type": "object",
  "required": [
    "age",
    "salary"
  ],
  "properties": {
    "age": {
      "type": "number",
      "description": "Age now"
    },
    "salary": {
      "type": "number",
      "description": "Gross pay a year, EUR"
    },
    "charges": {
      "type": "number",
      "description": "Charges % a year (default 0.5)"
    },
    "payGrowth": {
      "type": "number",
      "description": "Pay growth % a year (default 2)"
    },
    "retireAge": {
      "type": "number",
      "description": "Retirement age (default 66)"
    },
    "investReturn": {
      "type": "number",
      "description": "Investment return % a year before charges (default 5, an assumption)"
    }
  }
}
ireland_myfuturefund_pension annotations
{
  "readOnlyHint": true,
  "openWorldHint": false
}
ireland_where_to_put_savings — ireland where to put savings
Advertised by the server during the last successful anonymous check.
Advertised read-only

Ireland: compare where a lump sum ends up after tax over a number of years: State Savings (tax-free), a bank deposit (DIRT 33%), ETFs (exit tax with 8-year deemed disposal), shares (CGT 31%) and a pension (tax relief). Growth for market products is an assumption you set.

ireland_where_to_put_savings input schema
{
  "type": "object",
  "required": [
    "amount",
    "years",
    "marginalRate"
  ],
  "properties": {
    "years": {
      "type": "number",
      "description": "Years"
    },
    "amount": {
      "type": "number",
      "description": "Amount to put away, EUR"
    },
    "growth": {
      "type": "number",
      "description": "Market growth % a year (default 5, an assumption)"
    },
    "depositRate": {
      "type": "number",
      "description": "Bank deposit rate % AER (default 2)"
    },
    "marginalRate": {
      "enum": [
        20,
        40
      ],
      "type": "number",
      "description": "Your income tax rate, 20 or 40"
    }
  }
}
ireland_where_to_put_savings annotations
{
  "readOnlyHint": true,
  "openWorldHint": false
}
ireland_pension_tax_relief — ireland pension tax relief
Advertised by the server during the last successful anonymous check.
Advertised read-only

Ireland: income tax relief on personal pension contributions and AVCs (occupational scheme, PRSA, RAC, PEPP): the age-related limit (under 30 15%, 30-39 20%, 40-49 25%, 50-54 30%, 55-59 35%, 60+ 40% of earnings up to €115,000), relief at the marginal rate (2026 or Budget 2027 bands; no USC or PRSI relief), the net cost and the room left this year.

ireland_pension_tax_relief input schema
{
  "type": "object",
  "required": [
    "age",
    "pay",
    "contributions"
  ],
  "properties": {
    "age": {
      "type": "number",
      "description": "Age in the tax year"
    },
    "pay": {
      "type": "number",
      "description": "Gross earnings from the job, EUR"
    },
    "year": {
      "enum": [
        2026,
        2027
      ],
      "type": "number",
      "description": "Tax year"
    },
    "status": {
      "enum": [
        "single",
        "single-parent",
        "married-one",
        "married-two"
      ],
      "type": "string",
      "description": "Tax status"
    },
    "spousePay": {
      "type": "number",
      "description": "Spouse gross salary (married-two), EUR"
    },
    "contributions": {
      "type": "number",
      "description": "Own contributions this year incl. AVCs, EUR"
    }
  }
}
ireland_pension_tax_relief annotations
{
  "readOnlyHint": true,
  "openWorldHint": false
}
ireland_can_i_retire — ireland can i retire
Advertised by the server during the last successful anonymous check.
Advertised read-only

Ireland: can I retire at 60 (or any age)? Year-by-year projection to 95 for one person or a couple: pay and pension contributions until retirement, DC pots drawn at retirement (25% lump sum: first €200,000 tax-free, next €300,000 at 20%; the rest to an ARF with the 4%/5%/6% imputed minimum drawdown), DB pensions, State Pension (Contributory) from 66 (default €309.30 a week, 2027), savings, an optional UK State Pension for UK years (from the UK State Pension age, taxed in Ireland, no USC), a spending target in today’s money, and income tax (age credit, €18,000/€36,000 exemption with marginal relief), USC (none on the State Pension; reduced at 70+) and PRSI (pay only) on the 2027 rules. Growth and inflation are assumptions. Returns the age the money lasts to, bridge years before 66, wealth at retirement, the spending that lasts to 95, retire-at-60/62/65 comparison and key years in today’s money.

ireland_can_i_retire input schema
{
  "type": "object",
  "required": [
    "age",
    "retireAge",
    "spending"
  ],
  "properties": {
    "age": {
      "type": "number",
      "description": "Your age now"
    },
    "growth": {
      "type": "number",
      "description": "Pension/ARF growth % a year after charges (default 4.5, an assumption)"
    },
    "salary": {
      "type": "number",
      "description": "Gross pay a year, EUR"
    },
    "savings": {
      "type": "number",
      "description": "Savings and investments outside pensions, EUR"
    },
    "spending": {
      "type": "number",
      "description": "Household spending a year in retirement after tax, today’s money, EUR"
    },
    "dbFromAge": {
      "type": "number",
      "description": "Age the DB pension starts"
    },
    "dbPension": {
      "type": "number",
      "description": "Defined benefit pension a year, EUR (0 if none)"
    },
    "household": {
      "enum": [
        "single",
        "married",
        "cohabiting"
      ],
      "type": "string",
      "description": "Household"
    },
    "inflation": {
      "type": "number",
      "description": "Inflation % a year (default 2)"
    },
    "retireAge": {
      "type": "number",
      "description": "Age you stop work"
    },
    "contribPct": {
      "type": "number",
      "description": "Your pension contributions, % of pay"
    },
    "partnerAge": {
      "type": "number",
      "description": "Partner age now"
    },
    "pensionPot": {
      "type": "number",
      "description": "DC pension pots today (occupational DC, PRSA, AVC), EUR"
    },
    "savingsAdd": {
      "type": "number",
      "description": "Added to savings each year until retirement, EUR"
    },
    "employerPct": {
      "type": "number",
      "description": "Employer contributions, % of pay"
    },
    "partnerSalary": {
      "type": "number",
      "description": "Partner gross pay a year, EUR"
    },
    "ukPensionWeekly": {
      "type": "number",
      "description": "UK State Pension forecast a week in pounds (overrides ukQualifyingYears)"
    },
    "partnerDbPension": {
      "type": "number",
      "description": "Partner DB pension a year, EUR"
    },
    "partnerRetireAge": {
      "type": "number",
      "description": "Partner retirement age"
    },
    "partnerPensionPot": {
      "type": "number",
      "description": "Partner DC pension pots, EUR"
    },
    "ukQualifyingYears": {
      "type": "number",
      "description": "UK National Insurance qualifying years (UK State Pension: 1/35 of £241.30 a week each, 10 minimum)"
    },
    "statePensionWeekly": {
      "type": "number",
      "description": "Expected State Pension a week in 2027 euros (full rate 309.30; 0 if none)"
    },
    "partnerStatePensionWeekly": {
      "type": "number",
      "description": "Partner State Pension a week (2027 euros)"
    }
  }
}
ireland_can_i_retire annotations
{
  "readOnlyHint": true,
  "openWorldHint": false
}
ireland_landlord_rental_tax — ireland landlord rental tax
Advertised by the server during the last successful anonymous check.
Advertised read-only

Ireland: tax on residential rental income for an individual landlord: profit after mortgage interest (deductible only for RTB-registered tenancies), other expenses and 12.5% wear and tear, income tax at the marginal rate on top of salary (2026 or Budget 2027 bands), the Residential Premises Rental Income Relief (up to €1,000, 20% of profit), USC with the 3% surcharge on non-PAYE income over €100,000, and PRSI on unearned income over €5,000 for employees under 66.

ireland_landlord_rental_tax input schema
{
  "type": "object",
  "required": [
    "rent"
  ],
  "properties": {
    "pay": {
      "type": "number",
      "description": "Your gross salary a year, EUR"
    },
    "rent": {
      "type": "number",
      "description": "Rent received in the year, EUR"
    },
    "year": {
      "enum": [
        2026,
        2027
      ],
      "type": "number",
      "description": "Tax year"
    },
    "over66": {
      "type": "boolean",
      "description": "66 or older"
    },
    "status": {
      "enum": [
        "single",
        "single-parent",
        "married-one",
        "married-two"
      ],
      "type": "string",
      "description": "Tax status"
    },
    "spousePay": {
      "type": "number",
      "description": "Spouse gross salary (married-two), EUR"
    },
    "furnishings": {
      "type": "number",
      "description": "Cost of furniture and appliances bought in the last 8 years, EUR"
    },
    "lossesForward": {
      "type": "number",
      "description": "Rental losses carried forward, EUR"
    },
    "otherExpenses": {
      "type": "number",
      "description": "Other allowable expenses, EUR"
    },
    "rtbRegistered": {
      "type": "boolean",
      "description": "Tenancy registered with the RTB (default true)"
    },
    "mortgageInterest": {
      "type": "number",
      "description": "Mortgage interest for the year, EUR"
    }
  }
}
ireland_landlord_rental_tax annotations
{
  "readOnlyHint": true,
  "openWorldHint": false
}
ireland_sell_or_keep_rental — ireland sell or keep rental
Advertised by the server during the last successful anonymous check.
Advertised read-only

Ireland: should a landlord sell a rental property now or keep it? Compares wealth after tax year by year over N years (default 10): KEEP = rent (growth capped at 2% or CPI under the rent control from 1 March 2026) less costs, mortgage and Case V tax at the marginal rate, plus growth, valued net of selling costs, CGT and any RPRIR clawback; SELL NOW = price less selling costs, CGT (31% from 7 October 2026, €1,270 exemption, pre-2003 indexation) and the mortgage, invested in State Savings, a deposit (DIRT), an ETF (exit tax, deemed disposal), a pension (age limits) or the home mortgage. Returns the difference, both paths by year, the break-even house-price growth and year-1 income.

ireland_sell_or_keep_rental input schema
{
  "type": "object",
  "required": [
    "value",
    "purchasePrice",
    "rent"
  ],
  "properties": {
    "age": {
      "type": "number",
      "description": "Your age"
    },
    "pay": {
      "type": "number",
      "description": "Your gross salary a year, EUR"
    },
    "rent": {
      "type": "number",
      "description": "Rent a year, EUR"
    },
    "costs": {
      "type": "number",
      "description": "Deductible costs a year, EUR"
    },
    "value": {
      "type": "number",
      "description": "What the property would sell for now, EUR"
    },
    "years": {
      "type": "number",
      "description": "Years to compare (1-30)"
    },
    "status": {
      "enum": [
        "single",
        "single-parent",
        "married-one",
        "married-two"
      ],
      "type": "string",
      "description": "Tax status"
    },
    "rentGrowth": {
      "type": "number",
      "description": "Rent growth, % a year"
    },
    "depositRate": {
      "type": "number",
      "description": "Deposit rate, %"
    },
    "houseGrowth": {
      "type": "number",
      "description": "House-price growth, % a year"
    },
    "investReturn": {
      "type": "number",
      "description": "ETF and pension return, % a year"
    },
    "mortgageRate": {
      "type": "number",
      "description": "Mortgage rate, %"
    },
    "purchaseDate": {
      "type": "string",
      "description": "Date bought, YYYY-MM-DD"
    },
    "mortgageYears": {
      "type": "number",
      "description": "Years left on the mortgage"
    },
    "purchasePrice": {
      "type": "number",
      "description": "Price paid, EUR"
    },
    "mortgageBalance": {
      "type": "number",
      "description": "Mortgage owed, EUR"
    }
  }
}
ireland_sell_or_keep_rental annotations
{
  "readOnlyHint": true,
  "openWorldHint": false
}
uk_stamp_duty_england_ni — uk stamp duty england ni
Advertised by the server during the last successful anonymous check.
Advertised read-only

UK: Stamp Duty Land Tax for England and Northern Ireland at 2026/27 rates, band by band: standard, first-time buyer relief (nil to £300,000, up to £500,000) or additional property (+5% on every band), plus the 2% non-resident surcharge.

uk_stamp_duty_england_ni input schema
{
  "type": "object",
  "required": [
    "price",
    "buyerType"
  ],
  "properties": {
    "price": {
      "type": "number",
      "description": "Purchase price, GBP"
    },
    "buyerType": {
      "enum": [
        "standard",
        "firstTimeBuyer",
        "additional"
      ],
      "type": "string",
      "description": "Buyer"
    },
    "nonResident": {
      "type": "boolean",
      "description": "Buyer is not UK resident"
    }
  }
}
uk_stamp_duty_england_ni annotations
{
  "readOnlyHint": true,
  "openWorldHint": false
}
scotland_lbtt — scotland lbtt
Advertised by the server during the last successful anonymous check.
Advertised read-only

Scotland: Land and Buildings Transaction Tax at 2026/27 rates, band by band, with first-time buyer relief (nil band to £175,000) or the 8% Additional Dwelling Supplement.

scotland_lbtt input schema
{
  "type": "object",
  "required": [
    "price",
    "buyerType"
  ],
  "properties": {
    "price": {
      "type": "number",
      "description": "Purchase price, GBP"
    },
    "buyerType": {
      "enum": [
        "standard",
        "firstTimeBuyer",
        "additional"
      ],
      "type": "string",
      "description": "Buyer"
    }
  }
}
scotland_lbtt annotations
{
  "readOnlyHint": true,
  "openWorldHint": false
}
wales_ltt — wales ltt
Advertised by the server during the last successful anonymous check.
Advertised read-only

Wales: Land Transaction Tax at 2026/27 rates, band by band (nil band £225,000 for everyone; no first-time buyer relief) or the higher rates for additional properties.

wales_ltt input schema
{
  "type": "object",
  "required": [
    "price",
    "buyerType"
  ],
  "properties": {
    "price": {
      "type": "number",
      "description": "Purchase price, GBP"
    },
    "buyerType": {
      "enum": [
        "standard",
        "additional"
      ],
      "type": "string",
      "description": "Buyer"
    }
  }
}
wales_ltt annotations
{
  "readOnlyHint": true,
  "openWorldHint": false
}
canada_ei_maternity_parental — canada ei maternity parental
Advertised by the server during the last successful anonymous check.
Advertised read-only

Canada (outside Quebec): EI maternity and parental benefits for 2026: 55% of insurable earnings up to $729 a week (standard) or 33% up to $437 (extended), 15 weeks maternity, parental weeks, one-week waiting period.

canada_ei_maternity_parental input schema
{
  "type": "object",
  "required": [
    "annualIncome"
  ],
  "properties": {
    "annualIncome": {
      "type": "number",
      "description": "Gross annual insurable earnings, CAD"
    },
    "includeMaternity": {
      "type": "boolean",
      "description": "Include the 15 weeks of maternity benefits (birth parent)"
    },
    "extendedParentalWeeks": {
      "type": "number",
      "description": "Parental weeks at the extended rate (your share, up to 61)"
    },
    "standardParentalWeeks": {
      "type": "number",
      "description": "Parental weeks at the standard rate (your share, up to 35)"
    }
  }
}
canada_ei_maternity_parental annotations
{
  "readOnlyHint": true,
  "openWorldHint": false
}
quebec_qpip — quebec qpip
Advertised by the server during the last successful anonymous check.
Advertised read-only

Quebec: QPIP (RQAP) parental insurance for 2026 for both parents: basic or special plan, birth or adoption, earnings up to $103,000, weekly amounts and totals, with the shareable weeks split between parents.

quebec_qpip input schema
{
  "type": "object",
  "required": [
    "salary1"
  ],
  "properties": {
    "plan": {
      "enum": [
        "basic",
        "special"
      ],
      "type": "string",
      "description": "Plan"
    },
    "event": {
      "enum": [
        "birth",
        "adoption"
      ],
      "type": "string",
      "description": "Event"
    },
    "salary1": {
      "type": "number",
      "description": "Parent 1 (birth parent) annual insurable earnings, CAD"
    },
    "salary2": {
      "type": "number",
      "description": "Parent 2 annual insurable earnings, CAD"
    },
    "sharedWeeks1": {
      "type": "number",
      "description": "Shareable weeks parent 1 takes (parent 2 takes the rest)"
    },
    "singleParent": {
      "type": "boolean",
      "description": "Single parent"
    }
  }
}
quebec_qpip annotations
{
  "readOnlyHint": true,
  "openWorldHint": false
}
australia_private_health_rebate_mls — australia private health rebate mls
Advertised by the server during the last successful anonymous check.
Advertised read-only

Australia: private health insurance rebate (1 April 2026 – 31 March 2027) and Medicare Levy Surcharge for 2026–27 by income tier, single or family, and age band: whether hospital cover saves you tax.

australia_private_health_rebate_mls input schema
{
  "type": "object",
  "required": [
    "income",
    "family"
  ],
  "properties": {
    "age": {
      "enum": [
        "under65",
        "65to69",
        "70plus"
      ],
      "type": "string",
      "description": "Age of the oldest person on the policy"
    },
    "family": {
      "enum": [
        "single",
        "family"
      ],
      "type": "string",
      "description": "Single or family"
    },
    "income": {
      "type": "number",
      "description": "Income for MLS purposes, AUD"
    },
    "premium": {
      "type": "number",
      "description": "Annual hospital premium, AUD"
    },
    "children": {
      "type": "number",
      "description": "Dependent children"
    },
    "hasCover": {
      "type": "boolean",
      "description": "Has private hospital cover"
    }
  }
}
australia_private_health_rebate_mls annotations
{
  "readOnlyHint": true,
  "openWorldHint": false
}
new_zealand_kiwisaver — new zealand kiwisaver
Advertised by the server during the last successful anonymous check.
Advertised read-only

New Zealand: KiwiSaver balance at 65 under the 2026 rules (default and employer minimum 3.5%, 4% from April 2028; government contribution 25c per $1 up to $260.72; ESCT on employer contributions; PIR tax on returns). Returns are an assumption you set.

new_zealand_kiwisaver input schema
{
  "type": "object",
  "required": [
    "age",
    "salary"
  ],
  "properties": {
    "age": {
      "type": "number",
      "description": "Age now"
    },
    "pir": {
      "type": "number",
      "description": "Prescribed investor rate (0.105, 0.175 or 0.28)"
    },
    "feePct": {
      "type": "number",
      "description": "Fund fee % a year (default 0.5)"
    },
    "salary": {
      "type": "number",
      "description": "Gross salary a year, NZD"
    },
    "balance": {
      "type": "number",
      "description": "KiwiSaver balance today, NZD"
    },
    "grossReturn": {
      "type": "number",
      "description": "Return % a year before tax and fees (default 5, an assumption)"
    },
    "employeeRate": {
      "type": "number",
      "description": "Your contribution rate (0.035, 0.04, 0.06, 0.08 or 0.1); omit for the default rate"
    }
  }
}
new_zealand_kiwisaver annotations
{
  "readOnlyHint": true,
  "openWorldHint": false
}
parental_leave_income_gap — parental leave income gap
Advertised by the server during the last successful anonymous check.
Advertised read-only

Statutory parental leave pay for a birth parent and the income gap against normal pay (gross, before tax) in the UK (Statutory Maternity Pay), Ireland (Maternity Benefit), Canada (EI), Quebec (QPIP), Australia (Parental Leave Pay) or a US state’s paid family and medical leave (us-CA, us-NY, us-NJ, us-WA, us-MA and the rest; us-XX = no state program, FMLA unpaid), with an optional employer top-up.

parental_leave_income_gap input schema
{
  "type": "object",
  "required": [
    "country",
    "salary"
  ],
  "properties": {
    "topUp": {
      "type": "number",
      "description": "Employer tops pay up to this share of normal pay, 0 to 1"
    },
    "weeks": {
      "type": "number",
      "description": "Weeks of leave (default 52)"
    },
    "salary": {
      "type": "number",
      "description": "Gross annual pay in local currency"
    },
    "country": {
      "enum": [
        "gb",
        "ie",
        "ca",
        "qc",
        "au",
        "us-CA",
        "us-CO",
        "us-CT",
        "us-DC",
        "us-DE",
        "us-MA",
        "us-ME",
        "us-MN",
        "us-NJ",
        "us-NY",
        "us-OR",
        "us-RI",
        "us-WA",
        "us-XX"
      ],
      "type": "string",
      "description": "Country, or us- plus the state code"
    },
    "topUpWeeks": {
      "type": "number",
      "description": "Weeks the top-up lasts"
    }
  }
}
parental_leave_income_gap annotations
{
  "readOnlyHint": true,
  "openWorldHint": false
}
uk_voluntary_ni_from_abroad — uk voluntary ni from abroad
Advertised by the server during the last successful anonymous check.
Advertised read-only

UK State Pension for people living outside the UK: which gap years (2020–21 to 2026–27) can still be filled with voluntary National Insurance after the 6 April 2026 change, at Class 2 (£3.65/wk, years to 2025–26 only) or Class 3 (£18.40/wk), each year’s cost and 5 April deadline, and the State Pension gain (1/35 of £241.30 a week per year, up to 35 years) with payback.

uk_voluntary_ni_from_abroad input schema
{
  "type": "object",
  "required": [
    "qualifyingYears",
    "gapYears"
  ],
  "properties": {
    "gapYears": {
      "type": "array",
      "items": {
        "type": "number"
      },
      "description": "Tax years to fill, by start year (e.g. 2023 = 2023–24); 2020 to 2026"
    },
    "workedAbroad": {
      "type": "boolean",
      "description": "Has worked while abroad"
    },
    "qualifyingYears": {
      "type": "number",
      "description": "Qualifying years already on the UK National Insurance record"
    },
    "ukResidenceYears": {
      "type": "number",
      "description": "Longest stretch living in the UK, years in a row"
    },
    "appliedBefore2026": {
      "type": "boolean",
      "description": "Applied to pay for 2024–25 or 2025–26 on or before 5 April 2026"
    },
    "ukContributionYears": {
      "type": "number",
      "description": "Years of UK contributions paid in total"
    },
    "workedBeforeLeaving": {
      "type": "boolean",
      "description": "Worked in the UK immediately before leaving"
    }
  }
}
uk_voluntary_ni_from_abroad annotations
{
  "readOnlyHint": true,
  "openWorldHint": false
}

Prompts

Not advertised

No prompt definitions available.

Resources

Not advertised

No resource definitions available.

90-day uptime

A lightweight connection check about every six hours, sampled on hosts with many listings. It shows the server answered, not that its tools work.

Too few checks for a percentage yet (5 of 5 answered).

  1. 2026-11-07: 2 of 2 checks answered
  2. 2026-11-09: 1 of 1 checks answered
  3. 2026-11-10: 2 of 2 checks answered

30-day availability

Aggregated from read-only remote checks; this is not a tool-execution or security guarantee.

Successful checks
1 of 1 (100%)
Average latency
487 ms
95th percentile latency
487 ms

Maintenance history

Public check and source-refresh events. Editorial and ownership records remain private.

  • · probe · passed · 487 ms · metadata changed · 27 tool(s)

Connect from your client

Each snippet registers the same endpoint; pick the client you use.

This server is operated by the named third party. Listing and endpoint checks are not an endorsement or a security audit. Review the operator's permissions, terms, and data handling before connecting. How listings are checked and corrected.

Claude Code

Run this once in a terminal. It registers the remote server. Use --scope project to write .mcp.json for the repo.
Claude Code configuration
claude mcp add --transport http decisionscalc-mcp https://decisionscalc.com/mcp

Codex

Run this once. Codex stores MCP servers in ~/.codex/config.toml (or .codex/config.toml in a trusted project).
Codex configuration
codex mcp add decisionscalc-mcp --url https://decisionscalc.com/mcp

Cursor

Merge this server into .cursor/mcp.json in your project, then enable decisionscalc-mcp in your MCP settings.
Cursor configuration
{
  "mcpServers": {
    "decisionscalc-mcp": {
      "url": "https://decisionscalc.com/mcp"
    }
  }
}

Cline

Merge this into cline_mcp_settings.json (Cline → MCP Servers → Configure).
Cline configuration
{
  "mcpServers": {
    "decisionscalc-mcp": {
      "type": "streamableHttp",
      "url": "https://decisionscalc.com/mcp",
      "disabled": false
    }
  }
}

VS Code

Merge this server into .vscode/mcp.json. Use MCP: List Servers to start decisionscalc-mcp and inspect its tools.
VS Code configuration
{
  "servers": {
    "decisionscalc-mcp": {
      "type": "http",
      "url": "https://decisionscalc.com/mcp"
    }
  }
}

Gemini CLI

Run this once. It writes .gemini/settings.json in the current project; pass --scope user for ~/.gemini/settings.json.
Gemini CLI configuration
gemini mcp add --transport http decisionscalc-mcp https://decisionscalc.com/mcp

Claude Desktop

Open Claude Settings > Connectors > Add custom connector, enter this server URL and enable it for the conversation. This is a manual remote-connector handoff, not a desktop JSON configuration.
Claude Desktop configuration
https://decisionscalc.com/mcp

Windsurf

Merge this into ~/.codeium/windsurf/mcp_config.json, then refresh MCP in Cascade. Windsurf remote servers use serverUrl, not url.
Windsurf configuration
{
  "mcpServers": {
    "decisionscalc-mcp": {
      "serverUrl": "https://decisionscalc.com/mcp"
    }
  }
}

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