{
  "name": "ai2fin-tax",
  "title": "2Fin Tax MCP",
  "greeting": "🐬 You found Fin's Tax MCP — the tax brain your agent calls. Every answer is source-cited to the national tax authority with a verified date.",
  "version": "0.5.0",
  "protocol": "MCP (JSON-RPC 2.0 over HTTP) — POST your messages to this URL.",
  "scope": "Public tax rates & calculators only — no login, no account data, nothing stored.",
  "accountServer": "For your own 2Fin data (transactions, live tax position), use the authenticated app MCP at https://api.ai2fin.com/mcp",
  "countries": 88,
  "tools": [
    {
      "name": "tax_rate_as_of",
      "description": "Look up the GST/VAT standard rate that applied in a country ON A GIVEN DATE, rather than today's rate. Use it when reconciling or amending a past transaction, invoice or return — several countries changed rate recently (Estonia twice since 2024, Finland, Kazakhstan, Russia, Romania, Slovakia, Ghana, Israel, Ecuador), so the rate today is not the rate that applied then. For the current rate use tax_rate_lookup. The answer states plainly whether a real dated change backs it or whether only the present rate is on record."
    },
    {
      "name": "tax_rate_lookup",
      "description": "Look up one country's headline tax rates: GST/VAT standard and reduced rates, top personal income tax rate, and company tax rate. Use it for a single country; to see several countries side by side use compare_countries, and to apply GST/VAT to an amount use compute_gst_vat. Rates come from a fixed dataset verified against the national tax authority — every answer names its source and verification date, and an unsupported country returns a clear error rather than a guess."
    },
    {
      "name": "compute_gst_vat",
      "description": "Add or remove a country's GST/VAT on a monetary amount, returning the net / tax / gross split. Use it to convert between tax-exclusive and tax-inclusive prices (invoices, quotes, receipts); for the rates themselves use tax_rate_lookup. Pure arithmetic on the country's current standard rate, rounded to 2 decimals, in the country's local currency. Countries without a single national GST/VAT (e.g. the US) return an explanatory error instead of a wrong number."
    },
    {
      "name": "compare_countries",
      "description": "Compare headline tax rates — GST/VAT, top personal income tax and company tax — across several countries at once. Use it to shortlist or contrast jurisdictions (relocation, expansion, pricing); for one country's full detail use tax_rate_lookup, and to apply a rate to an amount use compute_gst_vat. Codes the dataset does not cover are reported back in unmatchedCodes rather than silently dropped; every matched row cites its national tax authority."
    },
    {
      "name": "income_tax_estimate",
      "description": "Estimate personal income tax and take-home pay for Australia, New Zealand, the UK, India, the US or Finland from gross annual income, using effective-dated brackets that roll over automatically each tax year (AU: Medicare levy + LITO; UK: National Insurance + personal-allowance taper; IN: standard deduction + s.87A rebate + surcharge + cess; US: federal FICA; FI: state + municipal + church tax, YLE tax, the health-insurance and employee pension/unemployment contributions and the earned-income credit, with the tax-card rate (veroprosentti) Vero would set). Use it for individual salary and take-home questions in these six countries only — other countries return 'not available' rather than a guess; their headline consumption-tax rates live in tax_rate_lookup. For Finland pass `municipality` (Finnish or Swedish name, e.g. 'Tampere' or 'Helsingfors') for that municipality's own rate — otherwise the national average is used and the answer says so — plus `church` for a parish member and `age` where it changes the contributions. This is a resident-individual estimate, not a filing calculation: it excludes state/regional taxes (UK Scotland, US state tax), non-standard deductions, Åland, and — for AU — HELP/HECS repayments (use student_loan_repayment)."
    },
    {
      "name": "company_tax_estimate",
      "description": "Estimate company/corporate income tax on an annual profit for Australia, the US, the UK, India, Canada or Finland — the six countries with source-verified company rates — applying the small-business/concessional rate where it covers all income. Use it for company profit questions in those countries; individuals belong to income_tax_estimate, and any other country’s headline rate to tax_rate_lookup. Headline-rate arithmetic only: US state tax, Canadian provincial tax, Indian surcharge/cess and UK marginal relief are flagged in the response note but not computed. Finland is a flat 20%; its proposed 18% for 2027 is noted, not applied, until it is law. A negative profit returns an explanation (losses carry forward), never a negative tax."
    },
    {
      "name": "cgt_estimate",
      "description": "Estimate capital gains tax on one asset sale for a resident individual in Australia or Finland. AU (the default): the gain is taxed at the marginal rate on top of other income — pass income and heldMoreThan12Months; capital losses apply before the 50% discount for assets held over 12 months, per ATO ordering. FI: capital income tax of 30%, or 34% above 30 000 € of capital income, on the gain after the better of the actual cost or the deemed acquisition cost (hankintameno-olettama: 20% of the price, 40% after 10 years), with the 1 000 € small-disposals rule — pass yearsHeld, and otherCapitalIncome if there is any. Use it for share, property or crypto sales; for pay without an asset sale use income_tax_estimate. Other countries' CGT is not covered and returns an error. The main-residence exemptions and non-resident rules are out of scope."
    },
    {
      "name": "student_loan_repayment",
      "description": "Estimate the compulsory annual study or training loan repayment (HELP, HECS, VSL, SFSS, SSL, AASL) for an Australian resident from their repayment income, using the marginal system introduced in 2025-26 with effective-dated thresholds that roll over each financial year. Use it for \"how much HELP/HECS will I repay\" questions in AU; it does not cover the loan balance, indexation or voluntary repayments, and applies to Australia only. Repayment income is broader than taxable income — it adds back reportable super contributions, reportable fringe benefits, net investment loss and exempt foreign income; pass that combined figure."
    },
    {
      "name": "superannuation_estimate",
      "description": "Estimate Australian superannuation for an employee: the compulsory Superannuation Guarantee contribution (12% from 2025-26), concessional (before-tax) contributions cap usage, the 15% in-fund contributions tax, and the Division 293 high-earner surcharge — all effective-dated so a future budget year is picked automatically. Use it for \"how much super will I get / can I contribute / will I be taxed\" questions in AU; it does not model fund fees, insurance, investment returns, non-concessional contributions or carry-forward caps, and applies to Australia only. Salary sacrifice reduces salary; a personal deductible contribution is a deduction against total assessable income. Both add to the concessional total. The Division 293 threshold is tested against taxable income plus LOW-TAX contributions — that is, concessional contributions excluding any excess over the cap, since the excess is already counted inside taxable income. ordinaryEarnings therefore counts toward the threshold; pass otherTaxableIncome only for income beyond salary, such as investment or business income."
    }
  ],
  "quickstart": {
    "connect": "Add https://taxmcp.ai2fin.com as a custom MCP connector in Claude (Settings → Connectors), ChatGPT, Cursor, or your own agent.",
    "example": {
      "method": "tools/call",
      "params": {
        "name": "compute_gst_vat",
        "arguments": {
          "country": "AU",
          "amount": 100
        }
      }
    },
    "curl": "curl -s https://taxmcp.ai2fin.com -X POST -H 'content-type: application/json' -d '{\"jsonrpc\":\"2.0\",\"id\":1,\"method\":\"tools/call\",\"params\":{\"name\":\"compute_gst_vat\",\"arguments\":{\"country\":\"AU\",\"amount\":100}}}'"
  },
  "web": "https://ai2fin.com/tools/taxmcp",
  "note": "Computed from published government rates — general information to plan with, not personal tax or financial advice. For decisions about your own situation, check with the authority or a registered adviser."
}