# DecisionsCalc calculators

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

- name: com.decisionscalc/calculators
- version: 1.4.0
- connection class: R0 (autonomous)
- trust: 96/100
- quality: 81/100 (new)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/com.decisionscalc%2Fcalculators
- tools: https://api.protogrid.dev/v1/servers/com.decisionscalc%2Fcalculators/tools

**An agent can connect right now, no human step.** Remote endpoint, no authentication, reachable on the last probe.

## Connection (mcpServers)

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


## Trust

- hygiene: 100
- liveness: 100
- freshness: 100
- provenance: 85
- drivers: +repository +dns-namespace +website +reachable +uptime-100% +updated-4d-ago
- Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed.

## Quality 81/100 (new)

### protocol: 75 (weight 25)

- warn `protocol.modern`: newest supported version is 2025-11-25; 2026-07-28 not supported, older versions are deprecated until 2027-07-28
- n/a `protocol.stateless`: only applies to 2026-07-28 servers
- pass `protocol.transport`: streamable HTTP
- n/a `protocol.list_ttl`: only applies to 2026-07-28 servers

### authorization: n/a (weight 15)

- n/a `auth.prm`, `auth.as_metadata`, `auth.cimd`: no remote uses OAuth
- n/a `auth.secret_in_url`: no templated URL

### tool hygiene: 86 (weight 30)

- pass `tools.descriptions`: every tool has a description
- pass `tools.description_length`: descriptions are concise
- pass `tools.schemas`: every tool has an object input schema
- pass `tools.annotations`: 27 of 27 tools declare readOnlyHint or destructiveHint
- fail `tools.directory_hints`: no tool declares all four of readOnlyHint, destructiveHint, idempotentHint and openWorldHint; missing: ireland_what_can_i_claim (destructiveHint, idempotentHint); ireland_rent_tax_credit (destructiveHint, idempotentHint); ireland_carers_allowance (destructiveHint, idempotentHint); …
- pass `tools.token_cost`: about 7,082 tokens to load every tool
- pass `tools.api_dump`: tools are not a one-to-one API dump

### stability: n/a (weight 15)

- n/a `stability.changes`, `stability.rug_pull`: tool history recorded for 4 of the 7 days needed

### dependencies: n/a (weight 15)

- n/a `deps.known_vulns`, `deps.mcp_sdk_version`, `deps.resolvable`: no npm or PyPI package

- tools: 27, about 7,082 tokens to load them all
- tool set hash: 6882b9dca454231ff93d76bfe82c755a
- tools last changed: 2026-11-05T11:38:24.727Z
- badge: [![protogrid quality](https://protogrid.dev/badge/com.decisionscalc/calculators.svg)](https://protogrid.dev/servers/com.decisionscalc/calculators)
- Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed.

### Tool changes

- 2026-11-05 `ireland_sell_or_keep_rental` added
  - 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.
- 2026-11-05 `ireland_can_i_retire` added
  - 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.
- 2026-11-04 `ireland_jobseekers_pay_related_benefit` added
  - 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.
- 2026-11-03 `uk_voluntary_ni_from_abroad` added
  - 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.
- 2026-11-03 `parental_leave_income_gap` added
  - 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.
- 2026-11-03 `new_zealand_kiwisaver` added
  - 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.
- 2026-11-03 `australia_private_health_rebate_mls` added
  - 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.
- 2026-11-03 `quebec_qpip` added
  - 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.
- 2026-11-03 `canada_ei_maternity_parental` added
  - 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.
- 2026-11-03 `wales_ltt` added
  - 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.

Full history: https://api.protogrid.dev/v1/servers/com.decisionscalc%2Fcalculators/changes

## Remotes

- https://decisionscalc.com/mcp (streamable-http, auth none, reachable true, uptime30d 1)

## Packages

_none_

## Tools (27)

- `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.
- `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.
- `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.
- `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.
- `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.
- `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).
- `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).
- `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.
- `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.
- `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.
- `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.
- `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.
- `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.
- `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.
- `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).
- `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.
- `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).
- `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.
- `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.
- `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.
- `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.
- `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.
- `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.
- `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.
- `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.
- `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.
- `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.