Finance Toolkit
500+ transparent financial methods calculated from raw statements, not third-party endpoints.
Description from the maker (original English)
Official-rule calculators: retirement, home buying, tax, benefits, leave, FSA (US UK IE CA AU NZ).
These three are never merged into one score: opinions, measurements and popularity are different things.
We have not written a plain-language summary for this one yet. Below are the facts we read from the registry.
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Works in Claude on the web, desktop and mobile:
https://decisionscalc.com/mcpRun this in your terminal
claude mcp add --transport http calculators https://decisionscalc.com/mcpPaste into .cursor/mcp.json in your project, or ~/.cursor/mcp.json
{
"mcpServers": {
"calculators": {
"url": "https://decisionscalc.com/mcp"
}
}
}Your browser asks to open the app, then the app shows the settings and asks you to confirm. Key values are left empty for you to fill in.
Paste into .vscode/mcp.json in your project
{
"servers": {
"calculators": {
"type": "http",
"url": "https://decisionscalc.com/mcp"
}
}
}Your browser asks to open the app, then the app shows the settings and asks you to confirm. Key values are left empty for you to fill in.
ChatGPT connects only to servers on the internet:
https://decisionscalc.com/mcpMenu names can differ slightly by plan and over time.
Your choice stays on this device in a cookie; no account needed.
These settings are generated from the maker’s registry entry. If the README says otherwise, follow the README.
Tool names and descriptions exactly as the server reported them on Nov 10, 2026. The maker wrote them, not us; we show them as plain text.
ireland_what_can_i_claimIreland: 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_working_family_paymentIreland: 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_rent_tax_creditIreland: 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_carers_allowanceIreland: 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_jobseekers_pay_related_benefitIreland: 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;
ireland_fuel_allowanceIreland: 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_state_pension_contributoryIreland: 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_budget_2027_take_homeIreland: take-home pay in 2026 against 2027 after Budget 2027 (income tax bands and credits, USC, PRSI, rent credit), line by line.
ireland_maternity_leave_payIreland: 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. Use this for an Irish couple’s after-tax
ireland_help_to_buyIreland: 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. S
ireland_capital_gains_taxIreland: 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 I
ireland_inheritance_gift_taxIreland: 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 aft
ireland_myfuturefund_pensionIreland: 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_where_to_put_savingsIreland: 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_pension_tax_reliefIreland: 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 ban
ireland_can_i_retireIreland: 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% imput
uk_can_i_retireUK: can I retire at 60 with £300k (or any age and pot)? Year by year to 95 for one person or a couple, on the 2027-28 rules after Budget 2026: pay and pension contributions until retirement, pots drawn from the normal minimum pension age (55, 57 from 6 April 2028) with 25% tax-fr
canada_can_i_retireCanada: can I retire at 60 with $500k (or any age and pot)? Year by year to 95 for one person or a couple: RRSP contributions until retirement, RRSP to RRIF (by 71) with the RRIF minimum withdrawal, CPP from the chosen age (−0.6%/month before 65, +0.7% after), OAS from 65-70 (yea
australia_can_i_retireAustralia: can I retire at 60 with $500k in super (or any age and balance)? Year by year to 95 for one person or a couple: super guarantee and salary sacrifice (15% contributions tax), super from preservation age 60 into a tax-free account-based pension with the minimum drawdowns
ireland_landlord_rental_taxIreland: 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 Residenti
ireland_sell_or_keep_rentalIreland: 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 gro
uk_stamp_duty_england_niUK: 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.
scotland_lbttScotland: 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.
wales_lttWales: 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.
canada_ei_maternity_parentalCanada (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. Use this for detailed Canadian EI weeks and amounts; for Quebec
quebec_qpipQuebec: 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. Use this for Quebec residents (not EI); for a one-line gross comparison
australia_private_health_rebate_mlsAustralia: 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.
new_zealand_kiwisaverNew 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.
parental_leave_income_gapStatutory 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
parental_leave_bill_splitHow a couple can share the household bills while one parent is on parental leave: the parent on leave’s statutory pay (UK SMP, Ireland Maternity Benefit, Canada EI, Quebec QPIP, Australia Parental Leave Pay or a US state’s paid leave; us-XX = unpaid FMLA) plus any employer top-up
us_dependent_care_fsa_vs_creditUS, tax year 2026: whether a dependent care FSA (limit $7,500 a household, employer money included) or the child and dependent care credit (50% of up to $3,000 / $6,000 of care costs, phasing to 35% from $15,000 of AGI and to 20% above $75,000, $150,000 joint) saves more, and the
us_divorce_asset_split_after_taxUS divorce, tax year 2026: the after-tax value of each asset for the spouse who receives it (transfers are tax-free under 26 U.S.C. 1041 but the receiver keeps the cost basis), with long-term capital gains at the 2026 0/15/20% thresholds and 3.8% NIIT, the $250,000 home sale excl
uk_voluntary_ni_from_abroadUK 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,
ireland_etf_exit_tax_lotsIreland: exit tax on ETF purchases (lots): each lot’s 8-year deemed disposal dates, the tax due at each (41% to 2025, 38% in 2026, 35% from 2027 under Budget 2027) and the credit back when you sell. Values not given are grown at the rate you set (an assumption).
uk_stamp_duty_on_dateEngland and Northern Ireland: Stamp Duty Land Tax on a purchase completed on any date from 1 December 2003 to today, using the rates in force that day (slab system before 4 December 2014, slices after; first-time buyer relief from 22 November 2017; 3% then 5% higher rates for add
uk_statutory_maternity_payUK: Statutory Maternity Pay (2026/27): 90% of average weekly pay for 6 weeks, then £194.32 or 90% if lower for 33 weeks; average pay must be at least £129 a week. Optional employer scheme (full-pay weeks, then half pay plus SMP), and the gap against normal pay before tax.
australia_parental_leave_payAustralia: Parental Leave Pay for one or two parents sharing the 130 days (A$200.94 a day from 1 July 2026, the national minimum wage) with 12% super paid on it, optional employer full-pay weeks, and the gap against normal pay before tax.
ireland_budget_2027_welfareIreland: the extra a household gets in social welfare from January 2027 under Budget 2027: core weekly payments +€10, Fuel Allowance +€5 a week (28-week season), Living Alone Allowance +€3, Child Support Payment +€6 per child; Child Benefit unchanged at €140 a month per child.
us_medicaid_spend_downUS nursing-home Medicaid, 2026: savings above the state asset limit (the spend-down), what a spouse at home keeps (CSRA $32,532-$162,660 by the state rule) and their monthly income allowance (MMMNA $2,705-$4,066.50), months the savings pay for care, the look-back penalty (gifts ÷
uk_care_home_feesUK care home fees, 2026/27, by nation (England, Scotland, Wales, Northern Ireland): weeks until savings (and the home after the 12-week disregard) fall to the upper capital limit (£23,250 England/NI, £36,750 Scotland, £50,000 Wales) and the council helps; then tariff income (£1 a
ireland_fair_deal_contributionIreland Nursing Homes Support Scheme (Fair Deal): the weekly contribution (80% of assessable income and 7.5% a year of assets over €36,000; a couple 40% of combined income and 3.75% over €72,000), what the HSE pays, the contribution after the 3-year cap on the home, and the Nursi
home_buying_cash_neededBuying a home in the US, UK, Canada, Australia or Ireland: the cash needed on the day and the monthly cost. Purchase tax from the official schedules with first-time buyer relief (England and NI SDLT, Scotland LBTT, Wales LTT; Canadian land transfer tax or registration fee by prov
We check information anyone can see; we have not read the code. Checks that do not apply are left out of the count. · Checked Nov 10, 2026
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Reading a card:↓ Downloads per weeki★ GitHub starsiThree pillars: reviews · checks · usageiUpdated = latest version published to the registryi
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Calculators built on official rules, for AI agents. Free, no key, read-only.
https://decisionscalc.com/mcp (Model Context Protocol, Streamable HTTP, JSON responses)com.decisionscalc/calculatorsEvery result includes the calculator page a person can open and the official sources (gov.ie, Revenue, Citizens Information, GOV.UK, Canada.ca, Québec.ca, ATO, IRD…) it is based on, so an agent can cite them. Rates are dated and re-checked when budgets change.
{ "mcpServers": { "decisionscalc": { "type": "http", "url": "https://decisionscalc.com/mcp" } } }
Example call:
curl -s https://decisionscalc.com/mcp -H 'Content-Type: application/json' \
-d '{"jsonrpc":"2.0","id":1,"method":"tools/call","params":{"name":"ireland_rent_tax_credit","arguments":{"monthlyRent":1500}}}'
| Tool | What it does | Calculator |
|---|---|---|
ireland_what_can_i_claim | 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. | page |
ireland_working_family_payment | 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. | page |
ireland_rent_tax_credit | 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). | page |
ireland_carers_allowance | 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). | page |
ireland_fuel_allowance | 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). | page |
ireland_state_pension_contributory | 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). | page |
ireland_budget_2027_take_home | Ireland: take-home pay in 2026 against 2027 after Budget 2027 (income tax bands and credits, USC, PRSI, rent credit), line by line. | page |
ireland_maternity_leave_pay | 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. | page |
ireland_help_to_buy | 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. | page |
ireland_capital_gains_tax | 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. | page |
ireland_inheritance_gift_tax | 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. | page |
ireland_myfuturefund_pension | 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. | page |
ireland_where_to_put_savings | 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. | page |
ireland_pension_tax_relief | 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. | page |
ireland_landlord_rental_tax | 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. | page |
uk_stamp_duty_england_ni | 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. | page |
scotland_lbtt | 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. | page |
wales_ltt | 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. | page |
canada_ei_maternity_parental | 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. | page |
quebec_qpip | 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. | page |
australia_private_health_rebate_mls | 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. | page |
new_zealand_kiwisaver | 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. | page |
parental_leave_income_gap | 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. | page |
uk_voluntary_ni_from_abroad | 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. | page |
src/lib/agent-tools.ts: the tool definitions (input schemas, which calculation each runs, sources).src/lib/mcp-server.ts + functions/mcp.ts: the stateless MCP server (JSON-RPC: initialize, tools/list, tools/call, ping) running as a Cloudflare Pages Function.src/lib/webmcp.ts: the same tools registered for in-browser agents (WebMCP) on decisionscalc.com.src/lib/calc/*.ts: the calculations, each with its official sources in the header and a test file reproducing the government's own worked examples where one exists. Run npm install && npm test.This is a read-only mirror of the code running on decisionscalc.com, published so it can be audited. Licence: source available, all rights reserved (see LICENSE.md). Using the hosted endpoint is free.
Results are general information, not financial, tax or legal advice. The relevant government department decides.