{"$schema":"https://wellknown.network/schemas/agent-record-v1.json","schemaVersion":"1","id":"ag_byx8dxgf29zq","handle":"decisionscalc-calculators","url":"https://wellknown.network/agents/decisionscalc-calculators","links":{"self":"https://wellknown.network/agents/decisionscalc-calculators/record.json","html":"https://wellknown.network/agents/decisionscalc-calculators","markdown":"https://wellknown.network/agents/decisionscalc-calculators/record.md","api":"https://wellknown.network/api/v1/agents/decisionscalc-calculators","status":"https://wellknown.network/api/v1/agents/decisionscalc-calculators/status","claim":"https://wellknown.network/agents/decisionscalc-calculators/claim","claimApi":"https://wellknown.network/api/v1/claims","claimDescriptor":"https://wellknown.network/agents/decisionscalc-calculators/claim.json","badge":"https://wellknown.network/agents/decisionscalc-calculators/badge.svg","openapi":"https://wellknown.network/openapi.json","history":"https://wellknown.network/api/v1/agents/decisionscalc-calculators/history","tools":"https://wellknown.network/api/v1/agents/decisionscalc-calculators/tools"},"ard":{"identifier":"urn:air:decisionscalc.com:server:decisionscalc-calculators","type":"application/mcp-server-card+json"},"kind":"mcp_server","declared":{"name":"DecisionsCalc calculators","summary":"Official-rule calculators: Irish tax/welfare/ETF, US paid leave, UK NI/SMP, stamp duty, CA, AU, NZ.","description":"Official-rule calculators: Irish tax/welfare/ETF, US paid leave, UK NI/SMP, stamp duty, CA, AU, NZ.","publisher":{"name":"com.decisionscalc","url":null},"homepage":"https://decisionscalc.com/for-agents/","repository":"https://github.com/Admin3007/decisionscalc-mcp","version":"1.5.0","license":null,"protocols":["mcp"],"tags":[],"pricing":null,"endpoints":[{"url":"https://decisionscalc.com/mcp","type":"mcp_streamable_http","auth":null,"probeable":true}],"skills":null,"tools":null,"extra":{"updatedAt":"2026-11-08T18:16:12.151868Z","publishedAt":"2026-11-08T18:16:12.151868Z","registryName":"com.decisionscalc/calculators"},"attribution":{"kind":"mcp_registry","name":"mcp_registry","repoUrl":"mcp_registry","summary":"mcp_registry","version":"mcp_registry","description":"mcp_registry","homepageUrl":"mcp_registry","publisherName":"mcp_registry"}},"derived":{"capabilities":[{"slug":"commerce.payments","name":"Payments","confidence":1,"provenance":"derived"},{"slug":"finance.accounting","name":"Accounting","confidence":0.807,"provenance":"derived"},{"slug":"documents.contracts","name":"Contracts & Legal","confidence":0.525,"provenance":"derived"},{"slug":"commerce.pricing","name":"Pricing & Quotes","confidence":0.525,"provenance":"derived"}],"categories":["commerce","documents","finance"],"language":"fr"},"observed":{"status":"live","statusReason":"Responded 9h ago.","lastOkAt":"2026-11-09T07:29:42.456Z","lastProbedAt":"2026-11-09T07:29:42.456Z","statusComputedAt":"2026-11-09T07:32:41.629Z","reliability30d":{"probes":13,"successRate":1,"p50Ms":127,"basis":"service","measures":{"availability":"availability","latency":"response time","tools":"tool surface observed","summary":"Checks reached the service itself."},"checks":{"total":13,"ok":13,"authBoundaryOk":0,"serviceOk":13,"note":"Counted from the observation rows for the window, checks of the server only (HTTP, A2A card, MCP initialize). ok = authBoundaryOk + serviceOk. `probes` is the sum of daily rollups and includes registry checks, so it can differ from `total`."}},"latestObservations":[{"at":"2026-11-09T07:29:42.456Z","kind":"mcp_initialize","ok":true,"httpStatus":200,"latencyMs":351,"error":null,"detail":{"tools":[{"name":"ireland_what_can_i_claim","description":"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"},{"name":"ireland_working_family_payment","description":"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 lim"},{"name":"ireland_rent_tax_credit","description":"Ireland: how much Rent Tax Credit a renter can claim for each year 2022–2026 (20% of rent, capped per year), including back-claims. 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Claims for 2022 must be made"},{"name":"ireland_carers_allowance","description":"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; saving"},{"name":"ireland_jobseekers_pay_related_benefit","description":"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 "},{"name":"ireland_fuel_allowance","description":"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 am"},{"name":"ireland_state_pension_contributory","description":"Ireland: estimate the State Pension (Contributory) weekly rate under the Department’s Total Contributions Approach (paid PRSI + up to 520 credits + HomeCaring P"},{"name":"ireland_budget_2027_take_home","description":"Ireland: take-home pay in 2026 against 2027 after Budget 2027 (income tax bands and credits, USC, PRSI, rent credit), line by line."},{"name":"ireland_maternity_leave_pay","description":"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 2"},{"name":"ireland_help_to_buy","description":"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 t"},{"name":"ireland_capital_gains_tax","description":"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"},{"name":"ireland_inheritance_gift_tax","description":"Ireland: Capital Acquisitions Tax (CAT) on a gift or inheritance: group threshold by relationship (A child €420,000, B sibling/niece/nephew/grandchild/parent €4"},{"name":"ireland_myfuturefund_pension","description":"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"},{"name":"ireland_where_to_put_savings","description":"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 deem"},{"name":"ireland_pension_tax_relief","description":"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"},{"name":"ireland_can_i_retire","description":"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 draw"},{"name":"ireland_landlord_rental_tax","description":"Ireland: tax on residential rental income for an individual landlord: profit after mortgage interest (deductible only for RTB-registered tenancies), other expen"},{"name":"ireland_sell_or_keep_rental","description":"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 a"},{"name":"uk_stamp_duty_england_ni","description":"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 "},{"name":"scotland_lbtt","description":"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 S"},{"name":"wales_ltt","description":"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 prope"},{"name":"canada_ei_maternity_parental","description":"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 we"},{"name":"quebec_qpip","description":"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, "},{"name":"australia_private_health_rebate_mls","description":"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"},{"name":"new_zealand_kiwisaver","description":"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."},{"name":"parental_leave_income_gap","description":"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 (Maternit"},{"name":"uk_voluntary_ni_from_abroad","description":"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 "},{"name":"ireland_etf_exit_tax_lots","description":"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 20"},{"name":"uk_stamp_duty_on_date","description":"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 sys"},{"name":"uk_statutory_maternity_pay","description":"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 wee"},{"name":"australia_parental_leave_pay","description":"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"},{"name":"ireland_budget_2027_welfare","description":"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)"}],"toolCount":32,"toolsHash":"32caf2c663c78d718ac1b73a034c3592b71632b168975df10d8f535c42f3d0c3","serverName":"decisionscalc","capabilities":["tools"],"serverVersion":"1.4.0","protocolVersion":"2025-06-18"}},{"at":"2026-11-08T04:21:59.856Z","kind":"mcp_initialize","ok":true,"httpStatus":200,"latencyMs":60,"error":null,"detail":{"tools":[{"name":"ireland_what_can_i_claim","description":"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"},{"name":"ireland_working_family_payment","description":"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 lim"},{"name":"ireland_rent_tax_credit","description":"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"},{"name":"ireland_carers_allowance","description":"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; saving"},{"name":"ireland_jobseekers_pay_related_benefit","description":"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 "},{"name":"ireland_fuel_allowance","description":"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 am"},{"name":"ireland_state_pension_contributory","description":"Ireland: estimate the State Pension (Contributory) weekly rate under the Department’s Total Contributions Approach (paid PRSI + up to 520 credits + HomeCaring P"},{"name":"ireland_budget_2027_take_home","description":"Ireland: take-home pay in 2026 against 2027 after Budget 2027 (income tax bands and credits, USC, PRSI, rent credit), line by line."},{"name":"ireland_maternity_leave_pay","description":"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 2"},{"name":"ireland_help_to_buy","description":"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 t"},{"name":"ireland_capital_gains_tax","description":"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"},{"name":"ireland_inheritance_gift_tax","description":"Ireland: Capital Acquisitions Tax (CAT) on a gift or inheritance: group threshold by relationship (A child €420,000, B sibling/niece/nephew/grandchild/parent €4"},{"name":"ireland_myfuturefund_pension","description":"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"},{"name":"ireland_where_to_put_savings","description":"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 deem"},{"name":"ireland_pension_tax_relief","description":"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"},{"name":"ireland_can_i_retire","description":"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 draw"},{"name":"ireland_landlord_rental_tax","description":"Ireland: tax on residential rental income for an individual landlord: profit after mortgage interest (deductible only for RTB-registered tenancies), other expen"},{"name":"ireland_sell_or_keep_rental","description":"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 a"},{"name":"uk_stamp_duty_england_ni","description":"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 "},{"name":"scotland_lbtt","description":"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 S"},{"name":"wales_ltt","description":"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 prope"},{"name":"canada_ei_maternity_parental","description":"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 we"},{"name":"quebec_qpip","description":"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, "},{"name":"australia_private_health_rebate_mls","description":"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"},{"name":"new_zealand_kiwisaver","description":"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."},{"name":"parental_leave_income_gap","description":"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 (Maternit"},{"name":"uk_voluntary_ni_from_abroad","description":"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 "}],"toolCount":27,"toolsHash":"92363ba8abf022d90c4514f706c577e3404dc22dd67d0cc2c95278aa3e681545","serverName":"decisionscalc","capabilities":["tools"],"serverVersion":"1.4.0","protocolVersion":"2025-06-18"}},{"at":"2026-11-07T19:24:11.613Z","kind":"mcp_initialize","ok":true,"httpStatus":200,"latencyMs":145,"error":null,"detail":{"tools":[{"name":"ireland_what_can_i_claim","description":"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"},{"name":"ireland_working_family_payment","description":"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 lim"},{"name":"ireland_rent_tax_credit","description":"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"},{"name":"ireland_carers_allowance","description":"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; saving"},{"name":"ireland_jobseekers_pay_related_benefit","description":"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 "},{"name":"ireland_fuel_allowance","description":"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 am"},{"name":"ireland_state_pension_contributory","description":"Ireland: estimate the State Pension (Contributory) weekly rate under the Department’s Total Contributions Approach (paid PRSI + up to 520 credits + HomeCaring P"},{"name":"ireland_budget_2027_take_home","description":"Ireland: take-home pay in 2026 against 2027 after Budget 2027 (income tax bands and credits, USC, PRSI, rent credit), line by line."},{"name":"ireland_maternity_leave_pay","description":"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 2"},{"name":"ireland_help_to_buy","description":"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 t"},{"name":"ireland_capital_gains_tax","description":"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"},{"name":"ireland_inheritance_gift_tax","description":"Ireland: Capital Acquisitions Tax (CAT) on a gift or inheritance: group threshold by relationship (A child €420,000, B sibling/niece/nephew/grandchild/parent €4"},{"name":"ireland_myfuturefund_pension","description":"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"},{"name":"ireland_where_to_put_savings","description":"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 deem"},{"name":"ireland_pension_tax_relief","description":"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"},{"name":"ireland_can_i_retire","description":"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 draw"},{"name":"ireland_landlord_rental_tax","description":"Ireland: tax on residential rental income for an individual landlord: profit after mortgage interest (deductible only for RTB-registered tenancies), other expen"},{"name":"ireland_sell_or_keep_rental","description":"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 a"},{"name":"uk_stamp_duty_england_ni","description":"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 "},{"name":"scotland_lbtt","description":"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 S"},{"name":"wales_ltt","description":"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 prope"},{"name":"canada_ei_maternity_parental","description":"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 we"},{"name":"quebec_qpip","description":"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, "},{"name":"australia_private_health_rebate_mls","description":"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"},{"name":"new_zealand_kiwisaver","description":"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."},{"name":"parental_leave_income_gap","description":"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 (Maternit"},{"name":"uk_voluntary_ni_from_abroad","description":"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 "}],"toolCount":27,"toolsHash":"92363ba8abf022d90c4514f706c577e3404dc22dd67d0cc2c95278aa3e681545","serverName":"decisionscalc","capabilities":["tools"],"serverVersion":"1.4.0","protocolVersion":"2025-06-18"}},{"at":"2026-11-07T10:28:38.172Z","kind":"mcp_initialize","ok":true,"httpStatus":200,"latencyMs":179,"error":null,"detail":{"tools":[{"name":"ireland_what_can_i_claim","description":"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"},{"name":"ireland_working_family_payment","description":"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 lim"},{"name":"ireland_rent_tax_credit","description":"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"},{"name":"ireland_carers_allowance","description":"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; saving"},{"name":"ireland_jobseekers_pay_related_benefit","description":"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 "},{"name":"ireland_fuel_allowance","description":"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 am"},{"name":"ireland_state_pension_contributory","description":"Ireland: estimate the State Pension (Contributory) weekly rate under the Department’s Total Contributions Approach (paid PRSI + up to 520 credits + HomeCaring P"},{"name":"ireland_budget_2027_take_home","description":"Ireland: take-home pay in 2026 against 2027 after Budget 2027 (income tax bands and credits, USC, PRSI, rent credit), line by line."},{"name":"ireland_maternity_leave_pay","description":"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 2"},{"name":"ireland_help_to_buy","description":"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 t"},{"name":"ireland_capital_gains_tax","description":"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"},{"name":"ireland_inheritance_gift_tax","description":"Ireland: Capital Acquisitions Tax (CAT) on a gift or inheritance: group threshold by relationship (A child €420,000, B sibling/niece/nephew/grandchild/parent €4"},{"name":"ireland_myfuturefund_pension","description":"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"},{"name":"ireland_where_to_put_savings","description":"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 deem"},{"name":"ireland_pension_tax_relief","description":"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"},{"name":"ireland_can_i_retire","description":"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 draw"},{"name":"ireland_landlord_rental_tax","description":"Ireland: tax on residential rental income for an individual landlord: profit after mortgage interest (deductible only for RTB-registered tenancies), other expen"},{"name":"ireland_sell_or_keep_rental","description":"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 a"},{"name":"uk_stamp_duty_england_ni","description":"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 "},{"name":"scotland_lbtt","description":"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 S"},{"name":"wales_ltt","description":"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 prope"},{"name":"canada_ei_maternity_parental","description":"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 we"},{"name":"quebec_qpip","description":"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, "},{"name":"australia_private_health_rebate_mls","description":"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"},{"name":"new_zealand_kiwisaver","description":"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."},{"name":"parental_leave_income_gap","description":"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 (Maternit"},{"name":"uk_voluntary_ni_from_abroad","description":"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 "}],"toolCount":27,"toolsHash":"92363ba8abf022d90c4514f706c577e3404dc22dd67d0cc2c95278aa3e681545","serverName":"decisionscalc","capabilities":["tools"],"serverVersion":"1.4.0","protocolVersion":"2025-06-18"}},{"at":"2026-11-07T02:27:10.581Z","kind":"mcp_initialize","ok":true,"httpStatus":200,"latencyMs":91,"error":null,"detail":{"tools":[{"name":"ireland_what_can_i_claim","description":"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"},{"name":"ireland_working_family_payment","description":"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 lim"},{"name":"ireland_rent_tax_credit","description":"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"},{"name":"ireland_carers_allowance","description":"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; saving"},{"name":"ireland_jobseekers_pay_related_benefit","description":"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 "},{"name":"ireland_fuel_allowance","description":"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 am"},{"name":"ireland_state_pension_contributory","description":"Ireland: estimate the State Pension (Contributory) weekly rate under the Department’s Total Contributions Approach (paid PRSI + up to 520 credits + HomeCaring P"},{"name":"ireland_budget_2027_take_home","description":"Ireland: take-home pay in 2026 against 2027 after Budget 2027 (income tax bands and credits, USC, PRSI, rent credit), line by line."},{"name":"ireland_maternity_leave_pay","description":"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 2"},{"name":"ireland_help_to_buy","description":"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 t"},{"name":"ireland_capital_gains_tax","description":"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"},{"name":"ireland_inheritance_gift_tax","description":"Ireland: Capital Acquisitions Tax (CAT) on a gift or inheritance: group threshold by relationship (A child €420,000, B sibling/niece/nephew/grandchild/parent €4"},{"name":"ireland_myfuturefund_pension","description":"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"},{"name":"ireland_where_to_put_savings","description":"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 deem"},{"name":"ireland_pension_tax_relief","description":"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"},{"name":"ireland_can_i_retire","description":"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 draw"},{"name":"ireland_landlord_rental_tax","description":"Ireland: tax on residential rental income for an individual landlord: profit after mortgage interest (deductible only for RTB-registered tenancies), other expen"},{"name":"ireland_sell_or_keep_rental","description":"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 a"},{"name":"uk_stamp_duty_england_ni","description":"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 "},{"name":"scotland_lbtt","description":"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 S"},{"name":"wales_ltt","description":"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 prope"},{"name":"canada_ei_maternity_parental","description":"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 we"},{"name":"quebec_qpip","description":"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, "},{"name":"australia_private_health_rebate_mls","description":"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"},{"name":"new_zealand_kiwisaver","description":"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."},{"name":"parental_leave_income_gap","description":"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 (Maternit"},{"name":"uk_voluntary_ni_from_abroad","description":"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 "}],"toolCount":27,"toolsHash":"92363ba8abf022d90c4514f706c577e3404dc22dd67d0cc2c95278aa3e681545","serverName":"decisionscalc","capabilities":["tools"],"serverVersion":"1.4.0","protocolVersion":"2025-06-18"}},{"at":"2026-11-06T17:28:43.017Z","kind":"mcp_initialize","ok":true,"httpStatus":200,"latencyMs":110,"error":null,"detail":{"tools":[{"name":"ireland_what_can_i_claim","description":"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"},{"name":"ireland_working_family_payment","description":"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 lim"},{"name":"ireland_rent_tax_credit","description":"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"},{"name":"ireland_carers_allowance","description":"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; saving"},{"name":"ireland_jobseekers_pay_related_benefit","description":"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 "},{"name":"ireland_fuel_allowance","description":"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 am"},{"name":"ireland_state_pension_contributory","description":"Ireland: estimate the State Pension (Contributory) weekly rate under the Department’s Total Contributions Approach (paid PRSI + up to 520 credits + HomeCaring P"},{"name":"ireland_budget_2027_take_home","description":"Ireland: take-home pay in 2026 against 2027 after Budget 2027 (income tax bands and credits, USC, PRSI, rent credit), line by line."},{"name":"ireland_maternity_leave_pay","description":"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 2"},{"name":"ireland_help_to_buy","description":"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 t"},{"name":"ireland_capital_gains_tax","description":"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"},{"name":"ireland_inheritance_gift_tax","description":"Ireland: Capital Acquisitions Tax (CAT) on a gift or inheritance: group threshold by relationship (A child €420,000, B sibling/niece/nephew/grandchild/parent €4"},{"name":"ireland_myfuturefund_pension","description":"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"},{"name":"ireland_where_to_put_savings","description":"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 deem"},{"name":"ireland_pension_tax_relief","description":"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"},{"name":"ireland_can_i_retire","description":"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 draw"},{"name":"ireland_landlord_rental_tax","description":"Ireland: tax on residential rental income for an individual landlord: profit after mortgage interest (deductible only for RTB-registered tenancies), other expen"},{"name":"ireland_sell_or_keep_rental","description":"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 a"},{"name":"uk_stamp_duty_england_ni","description":"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 "},{"name":"scotland_lbtt","description":"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 S"},{"name":"wales_ltt","description":"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 prope"},{"name":"canada_ei_maternity_parental","description":"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 we"},{"name":"quebec_qpip","description":"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, "},{"name":"australia_private_health_rebate_mls","description":"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"},{"name":"new_zealand_kiwisaver","description":"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."},{"name":"parental_leave_income_gap","description":"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 (Maternit"},{"name":"uk_voluntary_ni_from_abroad","description":"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 "}],"toolCount":27,"toolsHash":"92363ba8abf022d90c4514f706c577e3404dc22dd67d0cc2c95278aa3e681545","serverName":"decisionscalc","capabilities":["tools"],"serverVersion":"1.4.0","protocolVersion":"2025-06-18"}},{"at":"2026-11-06T08:24:40.796Z","kind":"mcp_initialize","ok":true,"httpStatus":200,"latencyMs":92,"error":null,"detail":{"tools":[{"name":"ireland_what_can_i_claim","description":"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"},{"name":"ireland_working_family_payment","description":"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 lim"},{"name":"ireland_rent_tax_credit","description":"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"},{"name":"ireland_carers_allowance","description":"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; saving"},{"name":"ireland_jobseekers_pay_related_benefit","description":"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 "},{"name":"ireland_fuel_allowance","description":"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 am"},{"name":"ireland_state_pension_contributory","description":"Ireland: estimate the State Pension (Contributory) weekly rate under the Department’s Total Contributions Approach (paid PRSI + up to 520 credits + HomeCaring P"},{"name":"ireland_budget_2027_take_home","description":"Ireland: take-home pay in 2026 against 2027 after Budget 2027 (income tax bands and credits, USC, PRSI, rent credit), line by line."},{"name":"ireland_maternity_leave_pay","description":"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 2"},{"name":"ireland_help_to_buy","description":"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 t"},{"name":"ireland_capital_gains_tax","description":"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"},{"name":"ireland_inheritance_gift_tax","description":"Ireland: Capital Acquisitions Tax (CAT) on a gift or inheritance: group threshold by relationship (A child €420,000, B sibling/niece/nephew/grandchild/parent €4"},{"name":"ireland_myfuturefund_pension","description":"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"},{"name":"ireland_where_to_put_savings","description":"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 deem"},{"name":"ireland_pension_tax_relief","description":"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"},{"name":"ireland_can_i_retire","description":"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 draw"},{"name":"ireland_landlord_rental_tax","description":"Ireland: tax on residential rental income for an individual landlord: profit after mortgage interest (deductible only for RTB-registered tenancies), other expen"},{"name":"ireland_sell_or_keep_rental","description":"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 a"},{"name":"uk_stamp_duty_england_ni","description":"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 "},{"name":"scotland_lbtt","description":"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 S"},{"name":"wales_ltt","description":"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 prope"},{"name":"canada_ei_maternity_parental","description":"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 we"},{"name":"quebec_qpip","description":"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, "},{"name":"australia_private_health_rebate_mls","description":"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"},{"name":"new_zealand_kiwisaver","description":"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."},{"name":"parental_leave_income_gap","description":"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 (Maternit"},{"name":"uk_voluntary_ni_from_abroad","description":"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 "}],"toolCount":27,"toolsHash":"92363ba8abf022d90c4514f706c577e3404dc22dd67d0cc2c95278aa3e681545","serverName":"decisionscalc","capabilities":["tools"],"serverVersion":"1.4.0","protocolVersion":"2025-06-18"}},{"at":"2026-11-05T23:29:08.929Z","kind":"mcp_initialize","ok":true,"httpStatus":200,"latencyMs":73,"error":null,"detail":{"tools":[{"name":"ireland_what_can_i_claim","description":"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"},{"name":"ireland_working_family_payment","description":"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 lim"},{"name":"ireland_rent_tax_credit","description":"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"},{"name":"ireland_carers_allowance","description":"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; saving"},{"name":"ireland_jobseekers_pay_related_benefit","description":"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 "},{"name":"ireland_fuel_allowance","description":"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 am"},{"name":"ireland_state_pension_contributory","description":"Ireland: estimate the State Pension (Contributory) weekly rate under the Department’s Total Contributions Approach (paid PRSI + up to 520 credits + HomeCaring P"},{"name":"ireland_budget_2027_take_home","description":"Ireland: take-home pay in 2026 against 2027 after Budget 2027 (income tax bands and credits, USC, PRSI, rent credit), line by line."},{"name":"ireland_maternity_leave_pay","description":"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 2"},{"name":"ireland_help_to_buy","description":"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 t"},{"name":"ireland_capital_gains_tax","description":"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"},{"name":"ireland_inheritance_gift_tax","description":"Ireland: Capital Acquisitions Tax (CAT) on a gift or inheritance: group threshold by relationship (A child €420,000, B sibling/niece/nephew/grandchild/parent €4"},{"name":"ireland_myfuturefund_pension","description":"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"},{"name":"ireland_where_to_put_savings","description":"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 deem"},{"name":"ireland_pension_tax_relief","description":"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"},{"name":"ireland_can_i_retire","description":"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 draw"},{"name":"ireland_landlord_rental_tax","description":"Ireland: tax on residential rental income for an individual landlord: profit after mortgage interest (deductible only for RTB-registered tenancies), other expen"},{"name":"ireland_sell_or_keep_rental","description":"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 a"},{"name":"uk_stamp_duty_england_ni","description":"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 "},{"name":"scotland_lbtt","description":"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 S"},{"name":"wales_ltt","description":"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 prope"},{"name":"canada_ei_maternity_parental","description":"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 we"},{"name":"quebec_qpip","description":"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, "},{"name":"australia_private_health_rebate_mls","description":"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"},{"name":"new_zealand_kiwisaver","description":"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."},{"name":"parental_leave_income_gap","description":"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 (Maternit"},{"name":"uk_voluntary_ni_from_abroad","description":"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 "}],"toolCount":27,"toolsHash":"92363ba8abf022d90c4514f706c577e3404dc22dd67d0cc2c95278aa3e681545","serverName":"decisionscalc","capabilities":["tools"],"serverVersion":"1.4.0","protocolVersion":"2025-06-18"}}],"tools":[{"name":"ireland_what_can_i_claim","description":"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"},{"name":"ireland_working_family_payment","description":"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 lim"},{"name":"ireland_rent_tax_credit","description":"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"},{"name":"ireland_carers_allowance","description":"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; saving"},{"name":"ireland_jobseekers_pay_related_benefit","description":"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 "},{"name":"ireland_fuel_allowance","description":"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 am"},{"name":"ireland_state_pension_contributory","description":"Ireland: estimate the State Pension (Contributory) weekly rate under the Department’s Total Contributions Approach (paid PRSI + up to 520 credits + HomeCaring P"},{"name":"ireland_budget_2027_take_home","description":"Ireland: take-home pay in 2026 against 2027 after Budget 2027 (income tax bands and credits, USC, PRSI, rent credit), line by line."},{"name":"ireland_maternity_leave_pay","description":"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 2"},{"name":"ireland_help_to_buy","description":"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 t"},{"name":"ireland_capital_gains_tax","description":"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"},{"name":"ireland_inheritance_gift_tax","description":"Ireland: Capital Acquisitions Tax (CAT) on a gift or inheritance: group threshold by relationship (A child €420,000, B sibling/niece/nephew/grandchild/parent €4"},{"name":"ireland_myfuturefund_pension","description":"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"},{"name":"ireland_where_to_put_savings","description":"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 deem"},{"name":"ireland_pension_tax_relief","description":"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"},{"name":"ireland_can_i_retire","description":"Ireland: can I retire at 60 (or any age)? 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Year by year to 95 for one person or a couple: super guarantee and salary sacrifice "},{"name":"ireland_landlord_rental_tax","description":"Ireland: tax on residential rental income for an individual landlord: profit after mortgage interest (deductible only for RTB-registered tenancies), other expen"},{"name":"ireland_sell_or_keep_rental","description":"Ireland: should a landlord sell a rental property now or keep it? 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