# DecisionsCalc calculators (remote · decisionscalc.com)

Official-rule calculators: Irish tax/welfare, US paid leave, UK NI, stamp duty, CA/QC, AU, NZ.

- Trust score: 60/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `decisionscalc.com`: 60/100 (this document), [markdown](https://verifymcp.io/servers/com-decisionscalc-calculators/decisionscalc.md), [page](https://verifymcp.io/servers/com-decisionscalc-calculators/decisionscalc)

## Channel facts

- Endpoint: `https://decisionscalc.com/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.4.0`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-11-05.

- **Endpoint Security**: 57/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - Authorisation not fully verified: no authorisation is required to call this server, and 2 tool(s) never declared a destructiveHint. The MCP spec treats an absent hint as destructive by default, so we cannot call this surface safe.
  - HTTPS is enforced; there's no plaintext access path.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 57/100
  - AI-judged instruction clarity (good).
  - Context-footprint check failed: tool/resource definitions use about 5683 tokens (~210/item across 27 items; 27 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 7/100
  - Stability observed for 2 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 99/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 98% of tool parameters carry a description.
- **Tool Safety**: 75/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - 0 of 2 tool(s) whose name or description implies an irreversible operation declare an MCP destructiveHint annotation; "ireland_jobseekers_pay_related_benefit" implies "pay" and declares readOnlyHint instead, contradicting what its own name says it does.
  - An AI judge read all 28 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### How do I install the DecisionsCalc calculators MCP server?

DecisionsCalc calculators is a hosted endpoint at https://decisionscalc.com/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.

### Claude

```bash
claude mcp add --transport http com-decisionscalc-calculators 'https://decisionscalc.com/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "com-decisionscalc-calculators": {
      "url": "https://decisionscalc.com/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "com-decisionscalc-calculators": {
      "type": "http",
      "url": "https://decisionscalc.com/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.com-decisionscalc-calculators]
url = "https://decisionscalc.com/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "com-decisionscalc-calculators": {
      "type": "remote",
      "url": "https://decisionscalc.com/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add com-decisionscalc-calculators --url 'https://decisionscalc.com/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  com-decisionscalc-calculators:
    url: "https://decisionscalc.com/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "com-decisionscalc-calculators": {
      "Transport": "http",
      "Url": "https://decisionscalc.com/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add com-decisionscalc-calculators -t streamable-http -u 'https://decisionscalc.com/mcp'
```

### Other

```json
{
  "mcpServers": {
    "com-decisionscalc-calculators": {
      "type": "http",
      "url": "https://decisionscalc.com/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-11-05 (score 60, 0)

- [functional regression] Schema quality: 180 → 210
- [functional] New tool “ireland_can_i_retire”
- [functional] New tool “ireland_jobseekers_pay_related_benefit”
- [functional] New tool “ireland_sell_or_keep_rental”

### 2026-11-04 (score 60, 0)

- [functional improvement] Stability: unverified → 0.03

### 2026-11-03 (score 60)

First indexed and scored.

## MCP tools (27)

### `ireland_what_can_i_claim` (~245 tokens)

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.

Input parameters:

- `aged66` (boolean): Applicant is 66 or over
- `caring` (boolean): Cares full-time for someone
- `children` (number): Number of children getting Child Benefit
- `couple` (boolean): Lives with a spouse, civil partner or cohabitant
- `expecting` (boolean): Expecting a baby
- `hoursFortnight` (number): Hours worked a fortnight, combined
- `pay1` (number): Applicant gross pay a year, EUR
- `pay2` (number): Partner gross pay a year, EUR
- `prsiYears` (number): Years of paid PRSI (for the State Pension)
- `renter` (boolean): Rents their home
- `savings` (number): Savings, EUR (not the home)
- `year` (number): 2026 or 2027

### `ireland_working_family_payment` (~174 tokens)

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.

Input parameters:

- `children` (number, required): Number of children
- `couple` (boolean): Has a spouse or partner
- `hoursFortnight` (number): Hours worked a fortnight, combined
- `otherWeekly` (number): Other assessable income a week, EUR
- `pay1` (number, required): Gross pay a year, EUR
- `pay2` (number): Partner gross pay a year, EUR
- `pension` (number): Pension contributions a year, EUR
- `year` (number): 2026 or 2027

### `ireland_rent_tax_credit` (~100 tokens)

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).

Input parameters:

- `couple` (boolean): Jointly assessed married couple or civil partners
- `monthlyRent` (number, required): Rent paid a month, EUR (same every year)

### `ireland_carers_allowance` (~181 tokens)

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).

Input parameters:

- `aged66` (boolean): Carer is 66 or over
- `capital` (number): Savings and investments, EUR (combined)
- `caringForTwoOrMore` (boolean): Cares for two or more people
- `couple` (boolean): Has a spouse or partner
- `earn1` (number): Carer weekly gross earnings, EUR
- `earn2` (number): Partner weekly gross earnings, EUR
- `period` (string): July–Dec 2026, Jan–Jun 2027, or from July 2027

### `ireland_jobseekers_pay_related_benefit` (~307 tokens)

ireland jobseekers pay related benefit

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.

Input parameters:

- `applyAfterWeeks` (number): Weeks after the job ends before applying
- `dateOfBirth` (string): YYYY-MM-DD
- `earnings` (number, required): Gross pay before tax, EUR
- `earningsPeriod` (string)
- `lastDayOfWork` (string, required): Last day of work, YYYY-MM-DD
- `partTimeDays` (number): Part-time days worked a week (0–3)
- `partTimeFromWeek` (number): Benefit week the part-time work starts
- `redundancyLumpSum` (number): Redundancy payment, EUR
- `totalPaidContributions` (number, required): Class A/H/P PRSI contributions paid since starting work
- `weeksPaid` (number): Weeks of PRSI paid in the 12 months averaged (default 52)

### `ireland_fuel_allowance` (~179 tokens)

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).

Input parameters:

- `aged66` (boolean): Applicant is 66 or over
- `capital` (number): Savings, EUR
- `couple` (boolean): Lives with a partner
- `householdOk` (boolean): Lives alone or only with people the rules allow
- `incomeWeekly` (number, required): Gross weekly income that counts, EUR
- `partner66` (boolean): Partner is 66 or over
- `period` (string)
- `qualifyingPayment` (boolean): Under 66: gets a qualifying social welfare payment

### `ireland_state_pension_contributory` (~119 tokens)

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).

Input parameters:

- `creditWeeks` (number): Credited contributions (weeks)
- `drawdown` (string): Year and age the pension starts
- `homeCaringWeeks` (number): HomeCaring Periods (weeks)
- `paidWeeks` (number, required): Paid reckonable PRSI contributions (weeks)

### `ireland_budget_2027_take_home` (~130 tokens)

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.

Input parameters:

- `homeCarer` (boolean): Home carer credit (married-one)
- `pay1` (number, required): Gross pay a year, EUR
- `pay2` (number): Partner gross pay a year, EUR (married-two)
- `renter` (boolean): Claims the rent tax credit
- `selfEmployed` (boolean): Self-employed
- `status` (string, required)

### `ireland_maternity_leave_pay` (~201 tokens)

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.

Input parameters:

- `motherParents` (boolean): Mother also takes 9 weeks Parent’s Benefit
- `motherSalary` (number, required): Mother gross pay a year, EUR
- `motherTopUpWeeks` (number): Weeks the employer pays full salary
- `motherUnpaidWeeks` (number): Extra unpaid weeks (0–16)
- `partnerParents` (boolean): Partner also takes 9 weeks Parent’s Benefit
- `partnerSalary` (number): Partner gross pay a year, EUR (omit for none)
- `partnerTopUpWeeks` (number): Partner weeks on full salary
- `year` (number): 2026 or 2027

### `ireland_help_to_buy` (~183 tokens)

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.

Input parameters:

- `contractDate` (string): Contract date YYYY-MM-DD (self-build: first drawdown). Default: today’s rules.
- `mortgage` (number, required): Mortgage amount, EUR
- `price` (number, required): Purchase price (or approved valuation for a self-build), EUR
- `taxPaid` (number, required): Income tax + DIRT paid by all buyers in the 4 tax years before applying, EUR

### `ireland_capital_gains_tax` (~208 tokens)

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.

Input parameters:

- `asset` (string): Asset type
- `costs` (number): Buying and selling costs, EUR
- `disposalDate` (string, required): Date of the sale (contract date) YYYY-MM-DD
- `enhancement` (number): Improvement costs, EUR
- `exemptionUsed` (number): Part of this year’s €1,270 exemption already used, EUR
- `losses` (number): Allowable losses this year + carried forward, EUR
- `purchasePrice` (number, required): Purchase price, EUR
- `salePrice` (number, required): Sale price, EUR

### `ireland_inheritance_gift_tax` (~310 tokens)

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.

Input parameters:

- `date` (string, required): Date of the gift or inheritance YYYY-MM-DD (decides the threshold)
- `group` (string, required): Group by relationship to the person giving: A = child, B = parent/brother/sister/niece/nephew/grandparent/grandchild, C = anyone else
- `kind` (string): Gift (during life) or inheritance (on death)
- `priorInGroup` (number): Taxable value of earlier gifts/inheritances received in the same group since 5 December 1991, EUR (default 0)
- `value` (number, required): Market value received, less debts and costs paid by you, EUR

### `ireland_myfuturefund_pension` (~176 tokens)

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.

Input parameters:

- `age` (number, required): Age now
- `charges` (number): Charges % a year (default 0.5)
- `investReturn` (number): Investment return % a year before charges (default 5, an assumption)
- `payGrowth` (number): Pay growth % a year (default 2)
- `retireAge` (number): Retirement age (default 66)
- `salary` (number, required): Gross pay a year, EUR

### `ireland_where_to_put_savings` (~155 tokens)

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.

Input parameters:

- `amount` (number, required): Amount to put away, EUR
- `depositRate` (number): Bank deposit rate % AER (default 2)
- `growth` (number): Market growth % a year (default 5, an assumption)
- `marginalRate` (number, required): Your income tax rate, 20 or 40
- `years` (number, required): Years

### `ireland_pension_tax_relief` (~202 tokens)

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.

Input parameters:

- `age` (number, required): Age in the tax year
- `contributions` (number, required): Own contributions this year incl. AVCs, EUR
- `pay` (number, required): Gross earnings from the job, EUR
- `spousePay` (number): Spouse gross salary (married-two), EUR
- `status` (string): Tax status
- `year` (number): Tax year

### `ireland_can_i_retire` (~659 tokens)

ireland can i retire

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.

Input parameters:

- `age` (number, required): Your age now
- `contribPct` (number): Your pension contributions, % of pay
- `dbFromAge` (number): Age the DB pension starts
- `dbPension` (number): Defined benefit pension a year, EUR (0 if none)
- `employerPct` (number): Employer contributions, % of pay
- `growth` (number): Pension/ARF growth % a year after charges (default 4.5, an assumption)
- `household` (string): Household
- `inflation` (number): Inflation % a year (default 2)
- `partnerAge` (number): Partner age now
- `partnerDbPension` (number): Partner DB pension a year, EUR
- `partnerPensionPot` (number): Partner DC pension pots, EUR
- `partnerRetireAge` (number): Partner retirement age
- `partnerSalary` (number): Partner gross pay a year, EUR
- `partnerStatePensionWeekly` (number): Partner State Pension a week (2027 euros)
- `pensionPot` (number): DC pension pots today (occupational DC, PRSA, AVC), EUR
- `retireAge` (number, required): Age you stop work
- `salary` (number): Gross pay a year, EUR
- `savings` (number): Savings and investments outside pensions, EUR
- `savingsAdd` (number): Added to savings each year until retirement, EUR
- `spending` (number, required): Household spending a year in retirement after tax, today’s money, EUR
- `statePensionWeekly` (number): Expected State Pension a week in 2027 euros (full rate 309.30; 0 if none)
- `ukPensionWeekly` (number): UK State Pension forecast a week in pounds (overrides ukQualifyingYears)
- `ukQualifyingYears` (number): UK National Insurance qualifying years (UK State Pension: 1/35 of £241.30 a week each, 10 minimum)

### `ireland_landlord_rental_tax` (~289 tokens)

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.

Input parameters:

- `furnishings` (number): Cost of furniture and appliances bought in the last 8 years, EUR
- `lossesForward` (number): Rental losses carried forward, EUR
- `mortgageInterest` (number): Mortgage interest for the year, EUR
- `otherExpenses` (number): Other allowable expenses, EUR
- `over66` (boolean): 66 or older
- `pay` (number): Your gross salary a year, EUR
- `rent` (number, required): Rent received in the year, EUR
- `rtbRegistered` (boolean): Tenancy registered with the RTB (default true)
- `spousePay` (number): Spouse gross salary (married-two), EUR
- `status` (string): Tax status
- `year` (number): Tax year

### `ireland_sell_or_keep_rental` (~395 tokens)

ireland sell or keep rental

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.

Input parameters:

- `age` (number): Your age
- `costs` (number): Deductible costs a year, EUR
- `depositRate` (number): Deposit rate, %
- `houseGrowth` (number): House-price growth, % a year
- `investReturn` (number): ETF and pension return, % a year
- `mortgageBalance` (number): Mortgage owed, EUR
- `mortgageRate` (number): Mortgage rate, %
- `mortgageYears` (number): Years left on the mortgage
- `pay` (number): Your gross salary a year, EUR
- `purchaseDate` (string): Date bought, YYYY-MM-DD
- `purchasePrice` (number, required): Price paid, EUR
- `rent` (number, required): Rent a year, EUR
- `rentGrowth` (number): Rent growth, % a year
- `status` (string): Tax status
- `value` (number, required): What the property would sell for now, EUR
- `years` (number): Years to compare (1-30)

### `uk_stamp_duty_england_ni` (~111 tokens)

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.

Input parameters:

- `buyerType` (string, required): Buyer
- `nonResident` (boolean): Buyer is not UK resident
- `price` (number, required): Purchase price, GBP

### `scotland_lbtt` (~73 tokens)

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.

Input parameters:

- `buyerType` (string, required): Buyer
- `price` (number, required): Purchase price, GBP

### `wales_ltt` (~70 tokens)

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.

Input parameters:

- `buyerType` (string, required): Buyer
- `price` (number, required): Purchase price, GBP

### `canada_ei_maternity_parental` (~153 tokens)

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.

Input parameters:

- `annualIncome` (number, required): Gross annual insurable earnings, CAD
- `extendedParentalWeeks` (number): Parental weeks at the extended rate (your share, up to 61)
- `includeMaternity` (boolean): Include the 15 weeks of maternity benefits (birth parent)
- `standardParentalWeeks` (number): Parental weeks at the standard rate (your share, up to 35)

### `quebec_qpip` (~147 tokens)

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.

Input parameters:

- `event` (string): Event
- `plan` (string): Plan
- `salary1` (number, required): Parent 1 (birth parent) annual insurable earnings, CAD
- `salary2` (number): Parent 2 annual insurable earnings, CAD
- `sharedWeeks1` (number): Shareable weeks parent 1 takes (parent 2 takes the rest)
- `singleParent` (boolean): Single parent

### `australia_private_health_rebate_mls` (~135 tokens)

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.

Input parameters:

- `age` (string): Age of the oldest person on the policy
- `children` (number): Dependent children
- `family` (string, required): Single or family
- `hasCover` (boolean): Has private hospital cover
- `income` (number, required): Income for MLS purposes, AUD
- `premium` (number): Annual hospital premium, AUD

### `new_zealand_kiwisaver` (~226 tokens)

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.

Input parameters:

- `age` (number, required): Age now
- `balance` (number): KiwiSaver balance today, NZD
- `employeeRate` (number): Your contribution rate (0.035, 0.04, 0.06, 0.08 or 0.1); omit for the default rate
- `feePct` (number): Fund fee % a year (default 0.5)
- `grossReturn` (number): Return % a year before tax and fees (default 5, an assumption)
- `pir` (number): Prescribed investor rate (0.105, 0.175 or 0.28)
- `salary` (number, required): Gross salary a year, NZD

### `parental_leave_income_gap` (~201 tokens)

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.

Input parameters:

- `country` (string, required): Country, or us- plus the state code
- `salary` (number, required): Gross annual pay in local currency
- `topUp` (number): Employer tops pay up to this share of normal pay, 0 to 1
- `topUpWeeks` (number): Weeks the top-up lasts
- `weeks` (number): Weeks of leave (default 52)

### `uk_voluntary_ni_from_abroad` (~282 tokens)

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.

Input parameters:

- `appliedBefore2026` (boolean): Applied to pay for 2024–25 or 2025–26 on or before 5 April 2026
- `gapYears` (array, required): Tax years to fill, by start year (e.g. 2023 = 2023–24); 2020 to 2026
- `qualifyingYears` (number, required): Qualifying years already on the UK National Insurance record
- `ukContributionYears` (number): Years of UK contributions paid in total
- `ukResidenceYears` (number): Longest stretch living in the UK, years in a row
- `workedAbroad` (boolean): Has worked while abroad
- `workedBeforeLeaving` (boolean): Worked in the UK immediately before leaving

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/com-decisionscalc-calculators/decisionscalc#diagnostics

## Score history

- 2026-11-05: 60
- 2026-11-04: 60
- 2026-11-03: 60

## Common questions

### What is the DecisionsCalc calculators MCP server?

DecisionsCalc calculators is an MCP server listed in the public MCP registry as com.decisionscalc/calculators. Official-rule calculators: Irish tax/welfare, US paid leave, UK NI, stamp duty, CA/QC, AU, NZ. This page covers its hosted endpoint (https://decisionscalc.com/mcp).

### Is the DecisionsCalc calculators MCP server safe to use?

DecisionsCalc calculators scores 60 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.

### What tools does the DecisionsCalc calculators MCP server expose?

DecisionsCalc calculators exposes 27 tools: ireland_what_can_i_claim, ireland_working_family_payment, ireland_rent_tax_credit, ireland_carers_allowance, ireland_jobseekers_pay_related_benefit, and 22 more. Their descriptions and schemas cost roughly 5,611 tokens of context every time the server is loaded.

### Does the DecisionsCalc calculators MCP server require authentication?

No. We connected to DecisionsCalc calculators without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the DecisionsCalc calculators MCP server still maintained?

DecisionsCalc calculators is still listed as active in the MCP registry. We last reached this channel on 5 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

## Links

- Remote endpoint: https://decisionscalc.com/mcp
- Repository: https://github.com/Admin3007/decisionscalc-mcp
- Website: https://decisionscalc.com/for-agents/
- Changelog RSS feed: https://verifymcp.io/servers/com-decisionscalc-calculators/decisionscalc.xml
- Changelog JSON feed: https://verifymcp.io/servers/com-decisionscalc-calculators/decisionscalc.json
- HTML version of this page: https://verifymcp.io/servers/com-decisionscalc-calculators/decisionscalc