DecisionsCalc calculators

npx add-mcp 'https://decisionscalc.com/mcp'

Calculators for AI agents

AI assistants increasingly answer questions like “how much Working Family Payment would I get?” by guessing. Our calculators are available as tools, so an agent can run the same calculation as the page, with the official rates, and cite the source.

MCP server

• Endpoint: https://decisionscalc.com/mcp (Model Context Protocol, Streamable HTTP, JSON responses)
• Server card: /.well-known/mcp/server-card.json
• Free, no key, no sign-up, read-only. Nothing you send is stored.

Example call:

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "ireland_rent_tax_credit",
    "arguments": {
      "monthlyRent": 1500
    }
  }
}

In the browser (WebMCP)

Browsers that support WebMCP see the same tools registered on every page of this site.

Tools

• 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. Open the calculator
• 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. Open the calculator
• 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). Open the calculator
• 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). Open the calculator
• 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. Open the calculator
• 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). Open the calculator
• 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). Open the calculator
• 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. Open the calculator
• 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. Use this for an Irish couple’s after-tax household picture; for a quick gross comparison across countries use parental_leave_income_gap. Open the calculator
• 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. Open the calculator
• 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. Open the calculator
• 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. Open the calculator
• 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. Open the calculator
• 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. Open the calculator
• 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. Open the calculator
• 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. Open the calculator
• uk_can_i_retire: UK: 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-free cash within the £268,275 Lump Sum Allowance and the rest drawn as taxable income, defined benefit pensions, the new State Pension from the State Pension age by date of birth (full £250.70 a week from April 2027), savings, a spending target in today’s money, and income tax (personal allowance tapered over £100,000; England/Wales/NI or Scottish bands, frozen to 2030-31) and National Insurance on pay. Growth and inflation are assumptions. Returns the age the money lasts to, bridge years, wealth at retirement, the spending that lasts to 95, a retire-at-60/62/65 comparison and key years in today’s money. Open the calculator
• canada_can_i_retire: Canada: 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 (years in Canada / 40, +0.6%/month deferred, +10% at 75) with the 15% recovery tax over $95,323, GIS on last year’s income, pension income splitting, an optional UK State Pension (frozen in Canada), and federal plus provincial tax for every province and territory except Quebec (2026 amounts). Returns the age the money lasts to, bridge years, wealth at retirement, the spending that lasts to 95, a retire-at-60/62/65 comparison and key years in today’s money. Open the calculator
• australia_can_i_retire: Australia: 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, the Age Pension from 67 under the income test (deeming, Work Bonus) and assets test (homeowner or not) from 20 September 2026, an optional UK State Pension (frozen in Australia), and tax (14% band from 2027-28, LITO, SAPTO, Medicare levy). Returns the age the money lasts to, bridge years to 67, wealth at retirement, the spending that lasts to 95, a retire-at-60/62/65 comparison and key years in today’s money. Open the calculator
• 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. Open the calculator
• 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. Open the calculator
• 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. Open the calculator
• 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. Open the calculator
• 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. Open the calculator
• 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. Use this for detailed Canadian EI weeks and amounts; for Quebec use quebec_qpip; for a one-line gross comparison across countries use parental_leave_income_gap. Open the calculator
• 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. Use this for Quebec residents (not EI); for a one-line gross comparison across countries use parental_leave_income_gap. Open the calculator
• 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. Open the calculator
• 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. Open the calculator
• 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. Use this for a quick cross-country comparison of one parent’s gross leave pay; for detailed national rules use the country tools (canada_ei_maternity_parental, quebec_qpip, ireland_maternity_leave_pay, uk_statutory_maternity_pay, australia_parental_leave_pay). Open the calculator
• parental_leave_bill_split: How 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, averaged per month before tax, against the partner’s pay; the bills split 50/50, by income during leave, or so both keep the same money; savings the parent on leave would use under 50/50; and the pension contributions they miss. Open the calculator
• us_dependent_care_fsa_vs_credit: US, 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 FSA amount that saves the most. Federal tax on the 2026 tables with the standard deduction, payroll tax (FICA) and a flat state rate; the credit is limited to the federal tax owed and to the lower earner’s pay. Open the calculator
• us_divorce_asset_split_after_tax: US 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 exclusion (section 121) and selling costs, a 401(k) cashed out under a QDRO (income tax, no 10%) or kept invested (at a retirement tax rate), IRAs (10% if cashed out before 59½), Roth, cash and debts; returns each spouse’s share on paper and after tax and the cash payment that reaches the agreed share. Open the calculator
• 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. Open the calculator
• ireland_etf_exit_tax_lots: Ireland: 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). Open the calculator
• uk_stamp_duty_on_date: England 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 additional homes; 2% non-resident surcharge from 1 April 2021). Returns the GOV.UK page for that period. Open the calculator
• uk_statutory_maternity_pay: UK: 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. Open the calculator
• australia_parental_leave_pay: Australia: 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. Open the calculator
• ireland_budget_2027_welfare: Ireland: 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. Open the calculator
• us_medicaid_spend_down: US 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 ÷ the state penalty divisor, part months kept), the month Medicaid starts and what the person pays on Medicaid (income less the personal needs allowance, spouse allowance and premiums). State figures are each state’s own (marked official or check); where a state figure was not found, the result says so and the caller can pass it. Open the calculator
• uk_care_home_fees: UK 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 week per £250 between the limits), the person’s weekly contribution (income + tariff − personal allowance), the council’s share and any family top-up above the council rate; NHS-funded nursing care (£267.68 England, £100 NI) and Scotland’s free personal (£260.30) and nursing (£117.10) care. Open the calculator
• ireland_fair_deal_contribution: Ireland 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 Nursing Home Loan balance after 5 years. Open the calculator
• home_buying_cash_needed: Buying 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 province with first-time buyer refunds; Australian transfer duty with each state’s first home buyer concessions; Irish stamp duty, on the VAT-exclusive price for a new home), the CMHC premium and the sales tax on it (Canada), the First Home Owner Grant and 5% Deposit Scheme (Australia), Help to Buy (Ireland), the GST rebate on a new home (Canada), fees (estimates you can pass), the mortgage payment, PMI (US, until 78%), the lender test of the country (US 28/36 rule of thumb, Canadian stress test GDS/TDS, APRA 3-point buffer, Central Bank 4x/3.5x income, UK 4.5x guide), months of saving until the cash is there and the first year buying beats renting (rent vs buy model). Rules read 9 November 2026. Open the calculator

Accuracy

Each tool uses the same tested code as its calculator page; every result returns the page link and the official sources it is based on. Results are estimates, not advice: the Department of Social Protection or Revenue makes the decision. See our methodology.