# Car Loan Interest Deduction Calculator (remote · car-loan-interest-deduction-calculator-mcp.lipmichal.workers.dev) 2025-2028 car loan interest deduction, SALT cap, child tax credit and 2026 tax brackets (IRS). - Trust score: 66/100 (medium) - Registry status: active - Liveness: live - Owner verified: no - Last scored: 2026-11-05 ## Components - remote · `car-loan-interest-deduction-calculator-mcp.lipmichal.workers.dev`: 66/100 (this document), [markdown](https://verifymcp.io/servers/theluckystrike-car-loan-interest-deduction-calculator-mcp/car-loan-interest-deduction-calculator-mcp.md), [page](https://verifymcp.io/servers/theluckystrike-car-loan-interest-deduction-calculator-mcp/car-loan-interest-deduction-calculator-mcp) ## Channel facts - Endpoint: `https://car-loan-interest-deduction-calculator-mcp.lipmichal.workers.dev/mcp` - Transports: `streamable-http` - Auth: `none` - Version: `1.0.0` ## 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**: 63/100 - The endpoint's TLS certificate is valid, in date, and uses a strong key. - No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one. - HTTPS enforcement could not be verified: the plaintext port answered with HTTP 405, which proves neither a plaintext path nor enforcement. - 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**: 62/100 - AI-judged instruction clarity (excellent). - Context-footprint check failed: tool/resource definitions use about 1417 tokens (~354/item across 4 items; 4 tools + 0 resources), over budget; trim descriptions and params. - Usage-examples check failed: none of the tools include examples. - **Stability & Change Management**: 10/100 - Stability observed for 3 of 30 days with no destabilising changes; credit accrues until the full window elapses. - **Tool Coverage**: 100/100 - 100% of tools have a non-trivial description (not blank, and not just the tool's name). - 100% of tool parameters carry a description. - **Tool Safety**: 100/100 - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured. - We read all 4 captured tool definition(s), and no name or description among them implies an irreversible operation. - An AI judge read all 4 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 Car Loan Interest Deduction Calculator MCP server? Car Loan Interest Deduction Calculator is a hosted endpoint at https://car-loan-interest-deduction-calculator-mcp.lipmichal.workers.dev/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 theluckystrike-car-loan-interest-deduction-calcu 'https://car-loan-interest-deduction-calculator-mcp.lipmichal.workers.dev/mcp' ``` ### Cursor ```json { "mcpServers": { "theluckystrike-car-loan-interest-deduction-calcu": { "url": "https://car-loan-interest-deduction-calculator-mcp.lipmichal.workers.dev/mcp" } } } ``` ### VS Code ```json { "servers": { "theluckystrike-car-loan-interest-deduction-calcu": { "type": "http", "url": "https://car-loan-interest-deduction-calculator-mcp.lipmichal.workers.dev/mcp" } } } ``` ### Codex ```toml [mcp_servers.theluckystrike-car-loan-interest-deduction-calcu] url = "https://car-loan-interest-deduction-calculator-mcp.lipmichal.workers.dev/mcp" ``` ### opencode ```json { "$schema": "https://opencode.ai/config.json", "mcp": { "theluckystrike-car-loan-interest-deduction-calcu": { "type": "remote", "url": "https://car-loan-interest-deduction-calculator-mcp.lipmichal.workers.dev/mcp", "enabled": true } } } ``` ### OpenClaw ```bash openclaw mcp add theluckystrike-car-loan-interest-deduction-calcu --url 'https://car-loan-interest-deduction-calculator-mcp.lipmichal.workers.dev/mcp' --transport streamable-http ``` ### Hermes ```yaml mcp_servers: theluckystrike-car-loan-interest-deduction-calcu: url: "https://car-loan-interest-deduction-calculator-mcp.lipmichal.workers.dev/mcp" ``` ### Netclaw ```json { "McpServers": { "theluckystrike-car-loan-interest-deduction-calcu": { "Transport": "http", "Url": "https://car-loan-interest-deduction-calculator-mcp.lipmichal.workers.dev/mcp" } } } ``` ### Vellum ```bash assistant mcp add theluckystrike-car-loan-interest-deduction-calcu -t streamable-http -u 'https://car-loan-interest-deduction-calculator-mcp.lipmichal.workers.dev/mcp' ``` ### Other ```json { "mcpServers": { "theluckystrike-car-loan-interest-deduction-calcu": { "type": "http", "url": "https://car-loan-interest-deduction-calculator-mcp.lipmichal.workers.dev/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 66, +1) No change was recorded against any check on this day. Stability & Change Management went from 7 to 10. That category is still filling its 30-day observation window: 2 days of observed history at the previous scan, 3 at this one. The score rises as the window fills, whether or not the server changes. ### 2026-11-03 (score 65, +1) - [functional improvement] Stability: unverified → 0.03 ### 2026-11-02 (score 64) First indexed and scored. ## MCP tools (4) ### `calculate_car_loan_interest_deduction` (~570 tokens) Car loan interest deduction (2025-2028) Calculates the 2025-2028 federal deduction for car loan interest created by the One Big Beautiful Bill Act (P.L. 119-21, IRC 163(h)(4)) the way IRS Schedule 1-A Part IV does: up to $10,000 of qualified passenger vehicle loan interest, then $200 off for each $1,000 or part of $1,000 of MAGI over $100,000 ($200,000 married filing jointly), so it reaches $0 at $149,001 ($249,001 joint). Checks the eligibility tests: loan originated after Dec 31 2024, new vehicle, final assembly in the US, personal use, car/minivan/van/SUV/pickup/motorcycle under 14,000 lb GVWR, first lien, not a lease. Available whether or not you itemize. Rules copied from the 2025 Schedule 1-A, Form 1040 instructions and IRS Notice 2025-57. Input parameters: - `filing_status` (string, required): Federal filing status. - `gvwr_under_14000_lbs` (boolean): True if the gross vehicle weight rating is under 14,000 pounds. - `interest_deducted_elsewhere` (number): Part of that interest already deducted on Schedule C, E or F. It cannot be deducted twice. - `interest_paid` (number, required): Interest paid or accrued on the vehicle loan in the year, in USD (the lender's year-end statement). - `is_lease` (boolean): True if this is a lease. Lease payments never qualify. - `loan_origination_date` (string): Date the loan was originated, YYYY-MM-DD. Must be after 2024-12-31. - `magi` (number, required): Modified adjusted gross income in USD (Form 1040 line 11b plus excluded foreign and Puerto Rico income). - `marginal_tax_rate` (number): Your federal marginal rate as a decimal (e.g. 0.22) to estimate the tax saved. - `new_vehicle` (boolean): True if the original use starts with you (new). Used vehicles do not qualify. - `personal_use` (boolean): True if you expect personal use more than 50% of the time. - `secured_by_first_lien` (boolean): True if the loan is secured by a first lien on the vehicle. - `tax_year` (integer, required): Tax year, 2025 to 2028. The deduction ends after 2028. - `us_final_assembly` (boolean): True if final assembly was in the United States (vehicle label or NHTSA VIN decoder). - `vehicle_type` (string): car, minivan, van, suv, pickup, motorcycle or other. ### `calculate_salt_deduction` (~337 tokens) SALT deduction cap (2025-2030) Calculates the deductible state and local tax (SALT) on Schedule A under the One Big Beautiful Bill Act cap (IRC 164(b)(6)-(7)): $40,000 for 2025 and $40,400 for 2026 ($20,000 / $20,200 married filing separately), rising 1% a year through 2029, reduced by 30% of MAGI over $500,000 (2025) or $505,000 (2026) but never below $10,000, then back to a flat $10,000 in 2030. Uses the IRS State and Local Tax Deduction Worksheet. Optionally compares itemizing with the standard deduction. Amounts copied from the 2025 Schedule A instructions, the 2026 draft Schedule A and the statute. Input parameters: - `filing_status` (string, required): Federal filing status. - `magi` (number, required): Modified adjusted gross income in USD (Form 1040 line 11b plus excluded foreign and Puerto Rico income). - `other_itemized_deductions` (number): Other itemized deductions (mortgage interest, gifts to charity, medical over the floor). Give it to compare itemizing with the standard deduction. - `state_and_local_taxes` (number, required): State and local income (or sales) tax plus real estate and personal property tax paid in the year (Schedule A line 5d). - `tax_year` (integer, required): Tax year, 2025 or later. 2027-2029 amounts are the statutory 101% steps; 2030 on is $10,000. ### `get_tax_brackets_and_standard_deduction` (~209 tokens) 2025 and 2026 federal brackets and standard deduction Returns the official 2025 and 2026 federal income tax brackets and standard deductions after the One Big Beautiful Bill Act: 2026 standard deduction $16,100 single, $32,200 joint, $24,150 head of household (Rev. Proc. 2025-32), 2025 $15,750 / $31,500 / $23,625, plus the additional amount for age 65 or blind. Optionally computes the tax and marginal rate on a taxable income. Says plainly that 2027 amounts are not yet published (checked against the Internal Revenue Bulletin and irs-drop on 2026-11-02). Input parameters: - `filing_status` (string): Leave out to get all filing statuses. - `tax_year` (integer, required): 2025 or 2026. 2027 returns a not-yet-published error. - `taxable_income` (number): Taxable income to compute tax on (needs filing_status). ### `calculate_child_tax_credit` (~301 tokens) Child tax credit (2025-2026) Calculates the child tax credit as Schedule 8812 does after the One Big Beautiful Bill Act: $2,200 per qualifying child under 17 for 2025 and 2026, $500 per other dependent, reduced by 5% of MAGI over $400,000 joint / $200,000 others (excess rounded up to the next $1,000), limited by tax liability, with the refundable additional child tax credit of up to $1,700 per child at 15% of earned income over $2,500. Amounts from the 2025 Schedule 8812 and Rev. Proc. 2025-32. Input parameters: - `earned_income` (number): Earned income for the refundable part. Defaults to MAGI. - `filing_status` (string, required): Federal filing status. - `magi` (number, required): Modified adjusted gross income in USD (Form 1040 line 11b plus excluded foreign and Puerto Rico income). - `other_dependents` (integer): Other dependents (credit for other dependents, $500 each). - `qualifying_children` (integer, required): Children under 17 at year end with a valid SSN. - `tax_liability_before_credits` (number): Income tax before credits (Form 1040 line 18). Estimated from MAGI if left out. - `tax_year` (integer, required): 2025 or 2026. 2027 is not yet published. ## Diagnostics Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/theluckystrike-car-loan-interest-deduction-calculator-mcp/car-loan-interest-deduction-calculator-mcp#diagnostics ## Score history - 2026-11-05: 66 - 2026-11-04: 65 - 2026-11-03: 65 - 2026-11-02: 64 ## Common questions ### What is the Car Loan Interest Deduction Calculator MCP server? Car Loan Interest Deduction Calculator is an MCP server listed in the public MCP registry as io.github.theluckystrike/car-loan-interest-deduction-calcul…. 2025-2028 car loan interest deduction, SALT cap, child tax credit and 2026 tax brackets (IRS). This page covers its hosted endpoint (https://car-loan-interest-deduction-calculator-mcp.lipmichal.workers.dev/mcp). ### Is the Car Loan Interest Deduction Calculator MCP server safe to use? Car Loan Interest Deduction Calculator scores 66 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 Car Loan Interest Deduction Calculator MCP server expose? Car Loan Interest Deduction Calculator exposes 4 tools: calculate_car_loan_interest_deduction, calculate_salt_deduction, get_tax_brackets_and_standard_deduction, calculate_child_tax_credit. Their descriptions and schemas cost roughly 1,417 tokens of context every time the server is loaded. ### Does the Car Loan Interest Deduction Calculator MCP server require authentication? No. We connected to Car Loan Interest Deduction Calculator without credentials and it answered, so anything it exposes is reachable by anyone who knows the address. ### Is the Car Loan Interest Deduction Calculator MCP server still maintained? Car Loan Interest Deduction Calculator 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://car-loan-interest-deduction-calculator-mcp.lipmichal.workers.dev/mcp - Repository: https://github.com/theluckystrike/car-loan-interest-deduction-calculator-mcp - Website: https://taxbreakcalc.com/ - Changelog RSS feed: https://verifymcp.io/servers/theluckystrike-car-loan-interest-deduction-calculator-mcp/car-loan-interest-deduction-calculator-mcp.xml - Changelog JSON feed: https://verifymcp.io/servers/theluckystrike-car-loan-interest-deduction-calculator-mcp/car-loan-interest-deduction-calculator-mcp.json - HTML version of this page: https://verifymcp.io/servers/theluckystrike-car-loan-interest-deduction-calculator-mcp/car-loan-interest-deduction-calculator-mcp