--- schema: "interfacedelta-service-md/1" target_key: "sha256:347bc046fe14e5b7c38e739d680b7f5bacfd4cde4be6388d4bb758f834469bf6" origin: "https://decisionscalc.com" protocols: ["mcp"] observed_at: "2026-11-12T08:08:08.490Z" generated_at: "2026-11-13T01:08:50.847Z" record_url: "https://interfacedelta.com/atlas/sha256:347bc046fe14e5b7c38e739d680b7f5bacfd4cde4be6388d4bb758f834469bf6" record_api: "https://interfacedelta.com/api/v1/record/services/sha256:347bc046fe14e5b7c38e739d680b7f5bacfd4cde4be6388d4bb758f834469bf6" source: "InterfaceDelta atlas" license_note: "Use of this record is governed by https://interfacedelta.com/terms." --- # Service record: https://decisionscalc.com ## Identity - Origin: https://decisionscalc.com - Endpoints: https://decisionscalc.com/mcp - Protocols: mcp - Registry names: com.decisionscalc/calculators - First retained observation: 2026-11-12T08:08:08.490Z - Latest observation: 2026-11-12T08:08:08.490Z ## Tools - Tool 1: aging\_parent\_care\_cost (mcp); inputs: careType, caregiverSalary, country, coveragePct, medMonthly, region, workReductionHours, years; inputs omitted: 0; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 2: australia\_can\_i\_retire (mcp); inputs: age, contribPct, dbFromAge, dbPension, employerPct, growth, homeowner, household; inputs omitted: 13; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 3: australia\_parental\_leave\_pay (mcp); inputs: parents; inputs omitted: 0; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 4: australia\_private\_health\_rebate\_mls (mcp); inputs: age, children, family, hasCover, income, premium; inputs omitted: 0; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 5: australia\_super\_guarantee (mcp); inputs: paydays, salary, salarySacrifice; inputs omitted: 0; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 6: canada\_can\_i\_retire (mcp); inputs: age, contribPct, cppAt65Monthly, cppStartAge, dbFromAge, dbPension, employerPct, growth; inputs omitted: 16; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 7: canada\_ei\_maternity\_parental (mcp); inputs: annualIncome, extendedParentalWeeks, includeMaternity, standardParentalWeeks; inputs omitted: 0; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 8: car\_ownership\_5\_year\_cost (mcp); inputs: country, distancePerYear, down, fuelEconomy, fuelPrice, insurance, loanMonths, loanRate; inputs omitted: 4; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 9: chronic\_illness\_yearly\_cost (mcp); inputs: annualSalary, country, monthlyPremium, productivityLoss, rxMonthly, sickDays, specialistCopay, specialistVisits; inputs omitted: 0; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 10: college\_cost\_total (mcp); inputs: books, country, forgoneWage, grants, housing, loanRate, loansPerYear, transport; inputs omitted: 2; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 11: compound\_interest (mcp); inputs: compounding, monthly, principal, ratePct, years; inputs omitted: 0; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 12: cost\_of\_raising\_a\_child (mcp); inputs: careAnnual, careSubsidyPct, careType, careYears, children, country, housing, includeBenefits; inputs omitted: 2; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 13: debt\_avalanche\_vs\_snowball (mcp); inputs: debts, extraPayment; inputs omitted: 0; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 14: emergency\_fund\_target (mcp); inputs: currentSaved, essentialMonthly, healthRisk, incomeStreams, jobStability, monthlySaving; inputs omitted: 0; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 15: fire\_number (mcp); inputs: annualSavings, annualSpend, currentAge, currentSavings, returnRate, ssMonthly, ssStartAge, targetAge; inputs omitted: 1; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 16: home\_buying\_cash\_needed (mcp); inputs: country, depositPct, firstTime, income, monthlySaving, newBuild, price, rate; inputs omitted: 4; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 17: home\_buying\_first\_year\_cost (mcp); inputs: country, downPct, interestRate, price, termYears; inputs omitted: 0; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 18: ireland\_budget\_2027\_take\_home (mcp); inputs: homeCarer, pay1, pay2, renter, selfEmployed, status; inputs omitted: 0; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 19: ireland\_budget\_2027\_welfare (mcp); inputs: children, corePayments, cspChildren, fuelAllowance, livingAlone; inputs omitted: 0; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 20: ireland\_can\_i\_retire (mcp); inputs: age, contribPct, dbFromAge, dbPension, employerPct, growth, household, inflation; inputs omitted: 15; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 21: ireland\_capital\_gains\_tax (mcp); inputs: asset, costs, disposalDate, enhancement, exemptionUsed, losses, purchasePrice, salePrice; inputs omitted: 0; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 22: ireland\_carers\_allowance (mcp); inputs: aged66, capital, caringForTwoOrMore, couple, earn1, earn2, period; inputs omitted: 0; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 23: ireland\_etf\_exit\_tax\_lots (mcp); inputs: growth, lots, until; inputs omitted: 0; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 24: ireland\_fair\_deal\_contribution (mcp); inputs: costWeekly, couple, homeEquity, incomeWeekly, savings, spncWeekly, useLoan; inputs omitted: 0; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 25: ireland\_farm\_transfer\_tax (mcp); inputs: activeFarmer, baseCost, beneficiaryAssets, date, disponerAge, farmhouseValue, landValue, otherValue; inputs omitted: 6; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 26: ireland\_fuel\_allowance (mcp); inputs: aged66, capital, couple, householdOk, incomeWeekly, partner66, period, qualifyingPayment; inputs omitted: 0; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 27: ireland\_help\_to\_buy (mcp); inputs: contractDate, mortgage, price, taxPaid; inputs omitted: 0; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 28: ireland\_inheritance\_gift\_tax (mcp); inputs: date, group, kind, priorInGroup, value; inputs omitted: 0; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 29: ireland\_investment\_account\_vs\_etf\_vs\_pension (mcp); inputs: age, contribution, frequency, growth, lumpSum, marginalRate, pay, retirementRate; inputs omitted: 1; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 30: ireland\_jobseekers\_pay\_related\_benefit (mcp); inputs: applyAfterWeeks, dateOfBirth, earnings, earningsPeriod, lastDayOfWork, partTimeDays, partTimeFromWeek, redundancyLumpSum; inputs omitted: 2; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 31: ireland\_landlord\_rental\_tax (mcp); inputs: furnishings, lossesForward, mortgageInterest, otherExpenses, over66, pay, rent, rtbRegistered; inputs omitted: 3; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 32: ireland\_maternity\_leave\_pay (mcp); inputs: motherParents, motherSalary, motherTopUpWeeks, motherUnpaidWeeks, partnerParents, partnerSalary, partnerTopUpWeeks, year; inputs omitted: 0; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 33: ireland\_moving\_home\_compare (mcp); inputs: caProvince, careFeeIe, careNow, careRules, children, couple, familyNow, fx; inputs omitted: 11; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 34: ireland\_myfuturefund\_pension (mcp); inputs: age, charges, investReturn, payGrowth, retireAge, salary; inputs omitted: 0; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 35: ireland\_overpay\_mortgage\_or\_invest (mcp); inputs: accessAge, age, balance, depositRatePct, growthPct, horizonYears, lumpSum, marginalRate; inputs omitted: 7; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 36: ireland\_pcp\_vs\_car\_loan (mcp); inputs: deposit, endValue, excessCentPerKm, expectedKm, gmfv, kmAllowance, loanAprPct, loanTermMonths; inputs omitted: 4; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 37: ireland\_pension\_tax\_relief (mcp); inputs: age, contributions, pay, spousePay, status, year; inputs omitted: 0; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 38: ireland\_rent\_tax\_credit (mcp); inputs: couple, monthlyRent; inputs omitted: 0; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 39: ireland\_sell\_or\_keep\_rental (mcp); inputs: age, costs, depositRate, houseGrowth, investReturn, mortgageBalance, mortgageRate, mortgageYears; inputs omitted: 8; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 40: ireland\_severance\_tax (mcp); inputs: avgPay, claimedIn10Years, lumpSum, months, payThisYear, pensionLumpSum, priorExempt, redundancy; inputs omitted: 6; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 41: ireland\_state\_pension\_contributory (mcp); inputs: creditWeeks, drawdown, homeCaringWeeks, paidWeeks; inputs omitted: 0; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 42: ireland\_what\_can\_i\_claim (mcp); inputs: aged66, caring, children, couple, expecting, hoursFortnight, pay1, pay2; inputs omitted: 4; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} - Tool 43: ireland\_where\_to\_put\_savings (mcp); inputs: amount, depositRate, growth, marginalRate, years; inputs omitted: 0; annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false} Tools omitted: 27. ## Effect readings (AI) - Tool 1 (aging\_parent\_care\_cost): ◇ AI reading; state: counted; none (confidence 0.87); lens: side-effects@1; model: claude-haiku-5.5. - Tool 2 purpose: ◇ AI reading; Estimates how long Australian super and Age Pension savings last to 95 for a single person or couple, given retirement age and spending.; lens: tool-purpose-v1; model: not recorded. - Tool 3 purpose: ◇ AI reading; Estimates Australian leave payments for one or two parents splitting 130 days, including super and any employer top-up.; lens: tool-purpose-v1; model: not recorded. - Tool 5 (australia\_super\_guarantee): ◇ AI reading; state: counted; none (confidence 0.81); lens: side-effects@1; model: claude-haiku-5.5. - Tool 6 (canada\_can\_i\_retire): ◇ AI reading; state: counted; none (confidence 0.85); lens: side-effects@1; model: claude-haiku-5.5. - Tool 6 purpose: ◇ AI reading; Estimates whether a Canadian retirement savings plan lasts to age 95, with year-by-year tax, pension and benefit modeling.; lens: tool-purpose-v1; model: not recorded. - Tool 7 (canada\_ei\_maternity\_parental): ◇ AI reading; state: counted; none (confidence 0.88); lens: side-effects@1; model: claude-haiku-5.5. - Tool 7 purpose: ◇ AI reading; Estimates Canadian EI maternity and parental benefit amounts outside Quebec from annual income and chosen leave weeks.; lens: tool-purpose-v1; model: not recorded. - Tool 8 (car\_ownership\_5\_year\_cost): ◇ AI reading; state: counted; none (confidence 0.9); lens: side-effects@1; model: claude-haiku-5.5. - Tool 8 purpose: ◇ AI reading; Estimates five-year car ownership cost, including depreciation, loan interest, insurance, fuel and maintenance, plus monthly cost.; lens: tool-purpose-v1; model: not recorded. - Tool 9 purpose: ◇ AI reading; Estimates yearly expenses for managing a long-term illness, covering premiums, visits, prescriptions, and lost work time.; lens: tool-purpose-v1; model: not recorded. - Tool 10 (college\_cost\_total): ◇ AI reading; state: counted; none (confidence 0.9); lens: side-effects@1; model: claude-haiku-5.5. - Tool 10 purpose: ◇ AI reading; Estimates the total price of a college degree, combining net tuition, living costs, books, travel, loan interest and lost wages.; lens: tool-purpose-v1; model: not recorded. - Tool 11 (compound\_interest): ◇ AI reading; state: counted; none (confidence 0.88); lens: side-effects@1; model: claude-haiku-5.5. - Tool 11 purpose: ◇ AI reading; Estimates growth of a starting amount and monthly contributions at a set rate, splitting the total into paid-in money and interest.; lens: tool-purpose-v1; model: not recorded. - Tool 12 (cost\_of\_raising\_a\_child): ◇ AI reading; state: counted; none (confidence 0.87); lens: side-effects@1; model: claude-haiku-5.5. - Tool 12 purpose: ◇ AI reading; Estimates lifetime spending on a child through age 18 in seven countries, with optional childcare, housing and benefit offsets.; lens: tool-purpose-v1; model: not recorded. - Tool 13 (debt\_avalanche\_vs\_snowball): ◇ AI reading; state: counted; none (confidence 0.87); lens: side-effects@1; model: claude-haiku-5.5. - Tool 13 purpose: ◇ AI reading; Estimates payoff time and total interest for avalanche and snowball debt strategies, flagging debts that payments never clear.; lens: tool-purpose-v1; model: not recorded. - Tool 14 (emergency\_fund\_target): ◇ AI reading; state: counted; none (confidence 0.84); lens: side-effects@1; model: claude-haiku-5.5. - Tool 15 purpose: ◇ AI reading; Estimates the savings needed to live off yearly spending in early retirement and how many years until reaching that goal.; lens: tool-purpose-v1; model: not recorded. - Tool 16 (home\_buying\_cash\_needed): ◇ AI reading; state: counted; none (confidence 0.83); lens: side-effects@1; model: claude-haiku-5.5. - Tool 16 purpose: ◇ AI reading; Estimates cash needed to buy a home and its monthly cost in five countries, including taxes, grants and lender tests.; lens: tool-purpose-v1; model: not recorded. - Tool 17 (home\_buying\_first\_year\_cost): ◇ AI reading; state: counted; none (confidence 0.85); lens: side-effects@1; model: claude-haiku-5.5. - Tool 17 purpose: ◇ AI reading; Estimates year-one ownership costs beyond the deposit and loan: purchase fees, moving, interest, tax, insurance and upkeep.; lens: tool-purpose-v1; model: not recorded. - Tool 18 (ireland\_budget\_2027\_take\_home): ◇ AI reading; state: counted; none (confidence 0.8); lens: side-effects@1; model: claude-haiku-5.5. - Tool 19 (ireland\_budget\_2027\_welfare): ◇ AI reading; state: counted; none (confidence 0.86); lens: side-effects@1; model: claude-haiku-5.5. - Tool 19 purpose: ◇ AI reading; Estimates how much more Irish welfare support a household receives in 2027 after Budget 2027 rate rises, using payments and dependants.; lens: tool-purpose-v1; model: not recorded. - Tool 20 (ireland\_can\_i\_retire): ◇ AI reading; state: counted; none (confidence 0.85); lens: side-effects@1; model: claude-haiku-5.5. - Tool 20 purpose: ◇ AI reading; Estimates the age Irish retirement savings run out, projecting year by year to 95 with pensions, State Pension and tax.; lens: tool-purpose-v1; model: not recorded. - Tool 21 (ireland\_capital\_gains\_tax): ◇ AI reading; state: counted; none (confidence 0.85); lens: side-effects@1; model: claude-haiku-5.5. - Tool 21 purpose: ◇ AI reading; Estimates Irish capital gains tax owed on a disposal of shares, crypto or non-home property, net of exemption and losses.; lens: tool-purpose-v1; model: not recorded. - Tool 22 (ireland\_carers\_allowance): ◇ AI reading; state: counted; none (confidence 0.85); lens: side-effects@1; model: claude-haiku-5.5. - Tool 22 purpose: ◇ AI reading; Estimates the weekly Carer's Allowance payment in Ireland by applying the official means test to income, savings and household details.; lens: tool-purpose-v1; model: not recorded. - Tool 23 (ireland\_etf\_exit\_tax\_lots): ◇ AI reading; state: counted; none (confidence 0.815); lens: side-effects@1; model: claude-haiku-5.5. - Tool 23 purpose: ◇ AI reading; Estimates Irish exit tax on each fund purchase lot at its eight-year deemed-sale dates, plus the credit when sold.; lens: tool-purpose-v1; model: not recorded. - Tool 24 (ireland\_fair\_deal\_contribution): ◇ AI reading; state: counted; none (confidence 0.85); lens: side-effects@1; model: claude-haiku-5.5. - Tool 24 purpose: ◇ AI reading; Estimates a weekly Fair Deal nursing home contribution, HSE payment and Nursing Home Loan balance from income, costs and assets.; lens: tool-purpose-v1; model: not recorded. - Tool 25 (ireland\_farm\_transfer\_tax): ◇ AI reading; state: counted; none (confidence 0.8); lens: side-effects@1; model: claude-haiku-5.5. - Tool 25 purpose: ◇ AI reading; Estimates Irish inheritance and gift tax and capital gains tax on a farm transfer, with and without reliefs, plus the savings.; lens: tool-purpose-v1; model: not recorded. - Tool 26 purpose: ◇ AI reading; Checks Irish Fuel Allowance eligibility under the means test and reports the 2026/27 season payment amount.; lens: tool-purpose-v1; model: not recorded. - Tool 27 (ireland\_help\_to\_buy): ◇ AI reading; state: counted; none (confidence 0.85); lens: side-effects@1; model: claude-haiku-5.5. - Tool 27 purpose: ◇ AI reading; Estimates Ireland's first-home refund for buyers of new or self-built homes, based on price, mortgage amount and taxes paid.; lens: tool-purpose-v1; model: not recorded. - Tool 28 (ireland\_inheritance\_gift\_tax): ◇ AI reading; state: counted; none (confidence 0.84); lens: side-effects@1; model: claude-haiku-5.5. - Tool 28 purpose: ◇ AI reading; Estimates Irish gift and inheritance tax owed by a recipient, based on relationship group, prior benefits and the date.; lens: tool-purpose-v1; model: not recorded. - Tool 29 (ireland\_investment\_account\_vs\_etf\_vs\_pension): ◇ AI reading; state: counted; none (confidence 0.8); lens: side-effects@1; model: claude-haiku-5.5. - Tool 29 purpose: ◇ AI reading; Estimates after-tax results of an Irish Individual Investment Account versus an ETF, direct shares and a pension, then ranks them.; lens: tool-purpose-v1; model: not recorded. - Tool 30 purpose: ◇ AI reading; Estimates week-by-week Irish jobseeker's pay-related benefit amounts from earnings, PRSI contributions and the last day of work.; lens: tool-purpose-v1; model: not recorded. - Tool 31 (ireland\_landlord\_rental\_tax): ◇ AI reading; state: counted; none (confidence 0.82); lens: side-effects@1; model: claude-haiku-5.5. - Tool 31 purpose: ◇ AI reading; Estimates Irish income tax, USC and PRSI owed on a landlord's residential rental income, given rent and expenses.; lens: tool-purpose-v1; model: not recorded. - Tool 32 (ireland\_maternity\_leave\_pay): ◇ AI reading; state: counted; none (confidence 0.85); lens: side-effects@1; model: claude-haiku-5.5. - Tool 33 (ireland\_moving\_home\_compare): ◇ AI reading; state: counted; none (confidence 0.84); lens: side-effects@1; model: claude-haiku-5.5. - Tool 33 purpose: ◇ AI reading; Estimates whether moving to Ireland for a job leaves a person or couple no worse off each month than abroad.; lens: tool-purpose-v1; model: not recorded. - Tool 34 (ireland\_myfuturefund\_pension): ◇ AI reading; state: counted; none (confidence 0.82); lens: side-effects@1; model: claude-haiku-5.5. - Tool 34 purpose: ◇ AI reading; Estimates Irish auto-enrolment pension contributions and the projected retirement pot for a given salary and age.; lens: tool-purpose-v1; model: not recorded. - Tool 35 (ireland\_overpay\_mortgage\_or\_invest): ◇ AI reading; state: counted; none (confidence 0.85); lens: side-effects@1; model: claude-haiku-5.5. - Tool 35 purpose: ◇ AI reading; Estimates whether overpaying an Irish mortgage beats investing in ETFs, shares or pension AVCs, after Irish tax.; lens: tool-purpose-v1; model: not recorded. - Tool 36 (ireland\_pcp\_vs\_car\_loan): ◇ AI reading; state: counted; none (confidence 0.88); lens: side-effects@1; model: claude-haiku-5.5. - Tool 36 purpose: ◇ AI reading; Returns a cost comparison of an Irish PCP, a car loan and a cash purchase, with payments, lost savings interest and a verdict.; lens: tool-purpose-v1; model: not recorded. - Tool 37 purpose: ◇ AI reading; Estimates Irish income tax relief on pension contributions by age limit, marginal rate, net cost and remaining annual allowance.; lens: tool-purpose-v1; model: not recorded. - Tool 38 (ireland\_rent\_tax\_credit): ◇ AI reading; state: counted; none (confidence 0.81); lens: side-effects@1; model: claude-haiku-5.5. - Tool 38 purpose: ◇ AI reading; Estimates the yearly Irish rent tax credit for a monthly rent amount, including back-claims for 2022 to 2026.; lens: tool-purpose-v1; model: not recorded. - Tool 39 (ireland\_sell\_or\_keep\_rental): ◇ AI reading; state: counted; none (confidence 0.8); lens: side-effects@1; model: claude-haiku-5.5. - Tool 39 purpose: ◇ AI reading; Assesses whether an Irish landlord should sell or keep a let home, showing wealth, break-even growth and year-1 income.; lens: tool-purpose-v1; model: not recorded. - Tool 40 (ireland\_severance\_tax): ◇ AI reading; state: counted; none (confidence 0.82); lens: side-effects@1; model: claude-haiku-5.5. - Tool 40 purpose: ◇ AI reading; Estimates the tax-free part of an Irish redundancy or severance payment and the income tax and USC due on the excess.; lens: tool-purpose-v1; model: not recorded. - Tool 41 (ireland\_state\_pension\_contributory): ◇ AI reading; state: counted; none (confidence 0.88); lens: side-effects@1; model: claude-haiku-5.5. - Tool 41 purpose: ◇ AI reading; Estimates Ireland's contributory State Pension weekly rate from paid, credited and HomeCaring contribution weeks.; lens: tool-purpose-v1; model: not recorded. - Tool 43 (ireland\_where\_to\_put\_savings): ◇ AI reading; state: counted; none (confidence 0.81); lens: side-effects@1; model: claude-haiku-5.5. - Tool 43 purpose: ◇ AI reading; Estimates after-tax lump-sum value over years across Irish savings options like State Savings, deposits, ETFs, shares and pensions.; lens: tool-purpose-v1; model: not recorded. ## Change history No changes recorded in the retained history. ## Payment rails - Protocols observed: none. - HTTP 402 seen in retained observations: false. ## Not covered - We don't call tools. - We don't rate or certify. - We don't publish prices. - We cover only what was observed. ## Evidence - Identity: observed / declared; observation time: 2026-11-12T08:08:08.490Z. - Tools: declared; observation time: 2026-11-12T08:08:08.490Z. - Effect readings (AI): AI reading; observation time: 2026-11-12T08:08:08.490Z. - Change history: observed; observation time: 2026-11-12T08:08:08.490Z; change observation times: none. - Payment rails: observed; observation time: 2026-11-12T08:08:08.490Z. ```json { "schema": "interfacedelta-service-md/1", "target_key": "sha256:347bc046fe14e5b7c38e739d680b7f5bacfd4cde4be6388d4bb758f834469bf6", "origin": "https://decisionscalc.com", "protocols": [ "mcp" ], "observed_at": "2026-11-12T08:08:08.490Z", "generated_at": "2026-11-13T01:08:50.847Z", "record_url": "https://interfacedelta.com/atlas/sha256:347bc046fe14e5b7c38e739d680b7f5bacfd4cde4be6388d4bb758f834469bf6", "record_api": "https://interfacedelta.com/api/v1/record/services/sha256:347bc046fe14e5b7c38e739d680b7f5bacfd4cde4be6388d4bb758f834469bf6", "source": "InterfaceDelta atlas", "license_note": "Use of this record is governed by https://interfacedelta.com/terms.", "identity": { "origin": "https://decisionscalc.com", "endpoints": [ "https://decisionscalc.com/mcp" ], "protocols": [ "mcp" ], "registry_names": [ "com.decisionscalc/calculators" ], "first_retained_observation": "2026-11-12T08:08:08.490Z", "latest_observation": "2026-11-12T08:08:08.490Z" }, "tools": [ { "name": "aging_parent_care_cost", "protocol": "mcp", "inputs": [ "careType", "caregiverSalary", "country", "coveragePct", "medMonthly", "region", "workReductionHours", "years" ], "inputs_omitted": 0, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": { "marker": "◇ AI reading", "state": "counted", "classes": [ { "class": "none", "confidence": 0.87 } ], "lens": "side-effects@1", "model": "claude-haiku-5.5" } }, { "name": "australia_can_i_retire", "protocol": "mcp", "inputs": [ "age", "contribPct", "dbFromAge", "dbPension", "employerPct", "growth", "homeowner", "household" ], "inputs_omitted": 13, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": null, "purpose": { "marker": "◇ AI reading", "text": "Estimates how long Australian super and Age Pension savings last to 95 for a single person or couple, given retirement age and spending.", "lens": "tool-purpose-v1", "model": null } }, { "name": "australia_parental_leave_pay", "protocol": "mcp", "inputs": [ "parents" ], "inputs_omitted": 0, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": null, "purpose": { "marker": "◇ AI reading", "text": "Estimates Australian leave payments for one or two parents splitting 130 days, including super and any employer top-up.", "lens": "tool-purpose-v1", "model": null } }, { "name": "australia_private_health_rebate_mls", "protocol": "mcp", "inputs": [ "age", "children", "family", "hasCover", "income", "premium" ], "inputs_omitted": 0, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": null }, { "name": "australia_super_guarantee", "protocol": "mcp", "inputs": [ "paydays", "salary", "salarySacrifice" ], "inputs_omitted": 0, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": { "marker": "◇ AI reading", "state": "counted", "classes": [ { "class": "none", "confidence": 0.81 } ], "lens": "side-effects@1", "model": "claude-haiku-5.5" } }, { "name": "canada_can_i_retire", "protocol": "mcp", "inputs": [ "age", "contribPct", "cppAt65Monthly", "cppStartAge", "dbFromAge", "dbPension", "employerPct", "growth" ], "inputs_omitted": 16, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": { "marker": "◇ AI reading", "state": "counted", "classes": [ { "class": "none", "confidence": 0.85 } ], "lens": "side-effects@1", "model": "claude-haiku-5.5" }, "purpose": { "marker": "◇ AI reading", "text": "Estimates whether a Canadian retirement savings plan lasts to age 95, with year-by-year tax, pension and benefit modeling.", "lens": "tool-purpose-v1", "model": null } }, { "name": "canada_ei_maternity_parental", "protocol": "mcp", "inputs": [ "annualIncome", "extendedParentalWeeks", "includeMaternity", "standardParentalWeeks" ], "inputs_omitted": 0, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": { "marker": "◇ AI reading", "state": "counted", "classes": [ { "class": "none", "confidence": 0.88 } ], "lens": "side-effects@1", "model": "claude-haiku-5.5" }, "purpose": { "marker": "◇ AI reading", "text": "Estimates Canadian EI maternity and parental benefit amounts outside Quebec from annual income and chosen leave weeks.", "lens": "tool-purpose-v1", "model": null } }, { "name": "car_ownership_5_year_cost", "protocol": "mcp", "inputs": [ "country", "distancePerYear", "down", "fuelEconomy", "fuelPrice", "insurance", "loanMonths", "loanRate" ], "inputs_omitted": 4, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": { "marker": "◇ AI reading", "state": "counted", "classes": [ { "class": "none", "confidence": 0.9 } ], "lens": "side-effects@1", "model": "claude-haiku-5.5" }, "purpose": { "marker": "◇ AI reading", "text": "Estimates five-year car ownership cost, including depreciation, loan interest, insurance, fuel and maintenance, plus monthly cost.", "lens": "tool-purpose-v1", "model": null } }, { "name": "chronic_illness_yearly_cost", "protocol": "mcp", "inputs": [ "annualSalary", "country", "monthlyPremium", "productivityLoss", "rxMonthly", "sickDays", "specialistCopay", "specialistVisits" ], "inputs_omitted": 0, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": null, "purpose": { "marker": "◇ AI reading", "text": "Estimates yearly expenses for managing a long-term illness, covering premiums, visits, prescriptions, and lost work time.", "lens": "tool-purpose-v1", "model": null } }, { "name": "college_cost_total", "protocol": "mcp", "inputs": [ "books", "country", "forgoneWage", "grants", "housing", "loanRate", "loansPerYear", "transport" ], "inputs_omitted": 2, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": { "marker": "◇ AI reading", "state": "counted", "classes": [ { "class": "none", "confidence": 0.9 } ], "lens": "side-effects@1", "model": "claude-haiku-5.5" }, "purpose": { "marker": "◇ AI reading", "text": "Estimates the total price of a college degree, combining net tuition, living costs, books, travel, loan interest and lost wages.", "lens": "tool-purpose-v1", "model": null } }, { "name": "compound_interest", "protocol": "mcp", "inputs": [ "compounding", "monthly", "principal", "ratePct", "years" ], "inputs_omitted": 0, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": { "marker": "◇ AI reading", "state": "counted", "classes": [ { "class": "none", "confidence": 0.88 } ], "lens": "side-effects@1", "model": "claude-haiku-5.5" }, "purpose": { "marker": "◇ AI reading", "text": "Estimates growth of a starting amount and monthly contributions at a set rate, splitting the total into paid-in money and interest.", "lens": "tool-purpose-v1", "model": null } }, { "name": "cost_of_raising_a_child", "protocol": "mcp", "inputs": [ "careAnnual", "careSubsidyPct", "careType", "careYears", "children", "country", "housing", "includeBenefits" ], "inputs_omitted": 2, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": { "marker": "◇ AI reading", "state": "counted", "classes": [ { "class": "none", "confidence": 0.87 } ], "lens": "side-effects@1", "model": "claude-haiku-5.5" }, "purpose": { "marker": "◇ AI reading", "text": "Estimates lifetime spending on a child through age 18 in seven countries, with optional childcare, housing and benefit offsets.", "lens": "tool-purpose-v1", "model": null } }, { "name": "debt_avalanche_vs_snowball", "protocol": "mcp", "inputs": [ "debts", "extraPayment" ], "inputs_omitted": 0, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": { "marker": "◇ AI reading", "state": "counted", "classes": [ { "class": "none", "confidence": 0.87 } ], "lens": "side-effects@1", "model": "claude-haiku-5.5" }, "purpose": { "marker": "◇ AI reading", "text": "Estimates payoff time and total interest for avalanche and snowball debt strategies, flagging debts that payments never clear.", "lens": "tool-purpose-v1", "model": null } }, { "name": "emergency_fund_target", "protocol": "mcp", "inputs": [ "currentSaved", "essentialMonthly", "healthRisk", "incomeStreams", "jobStability", "monthlySaving" ], "inputs_omitted": 0, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": { "marker": "◇ AI reading", "state": "counted", "classes": [ { "class": "none", "confidence": 0.84 } ], "lens": "side-effects@1", "model": "claude-haiku-5.5" } }, { "name": "fire_number", "protocol": "mcp", "inputs": [ "annualSavings", "annualSpend", "currentAge", "currentSavings", "returnRate", "ssMonthly", "ssStartAge", "targetAge" ], "inputs_omitted": 1, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": null, "purpose": { "marker": "◇ AI reading", "text": "Estimates the savings needed to live off yearly spending in early retirement and how many years until reaching that goal.", "lens": "tool-purpose-v1", "model": null } }, { "name": "home_buying_cash_needed", "protocol": "mcp", "inputs": [ "country", "depositPct", "firstTime", "income", "monthlySaving", "newBuild", "price", "rate" ], "inputs_omitted": 4, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": { "marker": "◇ AI reading", "state": "counted", "classes": [ { "class": "none", "confidence": 0.83 } ], "lens": "side-effects@1", "model": "claude-haiku-5.5" }, "purpose": { "marker": "◇ AI reading", "text": "Estimates cash needed to buy a home and its monthly cost in five countries, including taxes, grants and lender tests.", "lens": "tool-purpose-v1", "model": null } }, { "name": "home_buying_first_year_cost", "protocol": "mcp", "inputs": [ "country", "downPct", "interestRate", "price", "termYears" ], "inputs_omitted": 0, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": { "marker": "◇ AI reading", "state": "counted", "classes": [ { "class": "none", "confidence": 0.85 } ], "lens": "side-effects@1", "model": "claude-haiku-5.5" }, "purpose": { "marker": "◇ AI reading", "text": "Estimates year-one ownership costs beyond the deposit and loan: purchase fees, moving, interest, tax, insurance and upkeep.", "lens": "tool-purpose-v1", "model": null } }, { "name": "ireland_budget_2027_take_home", "protocol": "mcp", "inputs": [ "homeCarer", "pay1", "pay2", "renter", "selfEmployed", "status" ], "inputs_omitted": 0, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": { "marker": "◇ AI reading", "state": "counted", "classes": [ { "class": "none", "confidence": 0.8 } ], "lens": "side-effects@1", "model": "claude-haiku-5.5" } }, { "name": "ireland_budget_2027_welfare", "protocol": "mcp", "inputs": [ "children", "corePayments", "cspChildren", "fuelAllowance", "livingAlone" ], "inputs_omitted": 0, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": { "marker": "◇ AI reading", "state": "counted", "classes": [ { "class": "none", "confidence": 0.86 } ], "lens": "side-effects@1", "model": "claude-haiku-5.5" }, "purpose": { "marker": "◇ AI reading", "text": "Estimates how much more Irish welfare support a household receives in 2027 after Budget 2027 rate rises, using payments and dependants.", "lens": "tool-purpose-v1", "model": null } }, { "name": "ireland_can_i_retire", "protocol": "mcp", "inputs": [ "age", "contribPct", "dbFromAge", "dbPension", "employerPct", "growth", "household", "inflation" ], "inputs_omitted": 15, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": { "marker": "◇ AI reading", "state": "counted", "classes": [ { "class": "none", "confidence": 0.85 } ], "lens": "side-effects@1", "model": "claude-haiku-5.5" }, "purpose": { "marker": "◇ AI reading", "text": "Estimates the age Irish retirement savings run out, projecting year by year to 95 with pensions, State Pension and tax.", "lens": "tool-purpose-v1", "model": null } }, { "name": "ireland_capital_gains_tax", "protocol": "mcp", "inputs": [ "asset", "costs", "disposalDate", "enhancement", "exemptionUsed", "losses", "purchasePrice", "salePrice" ], "inputs_omitted": 0, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": { "marker": "◇ AI reading", "state": "counted", "classes": [ { "class": "none", "confidence": 0.85 } ], "lens": "side-effects@1", "model": "claude-haiku-5.5" }, "purpose": { "marker": "◇ AI reading", "text": "Estimates Irish capital gains tax owed on a disposal of shares, crypto or non-home property, net of exemption and losses.", "lens": "tool-purpose-v1", "model": null } }, { "name": "ireland_carers_allowance", "protocol": "mcp", "inputs": [ "aged66", "capital", "caringForTwoOrMore", "couple", "earn1", "earn2", "period" ], "inputs_omitted": 0, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": { "marker": "◇ AI reading", "state": "counted", "classes": [ { "class": "none", "confidence": 0.85 } ], "lens": "side-effects@1", "model": "claude-haiku-5.5" }, "purpose": { "marker": "◇ AI reading", "text": "Estimates the weekly Carer's Allowance payment in Ireland by applying the official means test to income, savings and household details.", "lens": "tool-purpose-v1", "model": null } }, { "name": "ireland_etf_exit_tax_lots", "protocol": "mcp", "inputs": [ "growth", "lots", "until" ], "inputs_omitted": 0, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": { "marker": "◇ AI reading", "state": "counted", "classes": [ { "class": "none", "confidence": 0.815 } ], "lens": "side-effects@1", "model": "claude-haiku-5.5" }, "purpose": { "marker": "◇ AI reading", "text": "Estimates Irish exit tax on each fund purchase lot at its eight-year deemed-sale dates, plus the credit when sold.", "lens": "tool-purpose-v1", "model": null } }, { "name": "ireland_fair_deal_contribution", "protocol": "mcp", "inputs": [ "costWeekly", "couple", "homeEquity", "incomeWeekly", "savings", "spncWeekly", "useLoan" ], "inputs_omitted": 0, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": { "marker": "◇ AI reading", "state": "counted", "classes": [ { "class": "none", "confidence": 0.85 } ], "lens": "side-effects@1", "model": "claude-haiku-5.5" }, "purpose": { "marker": "◇ AI reading", "text": "Estimates a weekly Fair Deal nursing home contribution, HSE payment and Nursing Home Loan balance from income, costs and assets.", "lens": "tool-purpose-v1", "model": null } }, { "name": "ireland_farm_transfer_tax", "protocol": "mcp", "inputs": [ "activeFarmer", "baseCost", "beneficiaryAssets", "date", "disponerAge", "farmhouseValue", "landValue", "otherValue" ], "inputs_omitted": 6, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": { "marker": "◇ AI reading", "state": "counted", "classes": [ { "class": "none", "confidence": 0.8 } ], "lens": "side-effects@1", "model": "claude-haiku-5.5" }, "purpose": { "marker": "◇ AI reading", "text": "Estimates Irish inheritance and gift tax and capital gains tax on a farm transfer, with and without reliefs, plus the savings.", "lens": "tool-purpose-v1", "model": null } }, { "name": "ireland_fuel_allowance", "protocol": "mcp", "inputs": [ "aged66", "capital", "couple", "householdOk", "incomeWeekly", "partner66", "period", "qualifyingPayment" ], "inputs_omitted": 0, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": null, "purpose": { "marker": "◇ AI reading", "text": "Checks Irish Fuel Allowance eligibility under the means test and reports the 2026/27 season payment amount.", "lens": "tool-purpose-v1", "model": null } }, { "name": "ireland_help_to_buy", "protocol": "mcp", "inputs": [ "contractDate", "mortgage", "price", "taxPaid" ], "inputs_omitted": 0, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": { "marker": "◇ AI reading", "state": "counted", "classes": [ { "class": "none", "confidence": 0.85 } ], "lens": "side-effects@1", "model": "claude-haiku-5.5" }, "purpose": { "marker": "◇ AI reading", "text": "Estimates Ireland's first-home refund for buyers of new or self-built homes, based on price, mortgage amount and taxes paid.", "lens": "tool-purpose-v1", "model": null } }, { "name": "ireland_inheritance_gift_tax", "protocol": "mcp", "inputs": [ "date", "group", "kind", "priorInGroup", "value" ], "inputs_omitted": 0, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": { "marker": "◇ AI reading", "state": "counted", "classes": [ { "class": "none", "confidence": 0.84 } ], "lens": "side-effects@1", "model": "claude-haiku-5.5" }, "purpose": { "marker": "◇ AI reading", "text": "Estimates Irish gift and inheritance tax owed by a recipient, based on relationship group, prior benefits and the date.", "lens": "tool-purpose-v1", "model": null } }, { "name": "ireland_investment_account_vs_etf_vs_pension", "protocol": "mcp", "inputs": [ "age", "contribution", "frequency", "growth", "lumpSum", "marginalRate", "pay", "retirementRate" ], "inputs_omitted": 1, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": { "marker": "◇ AI reading", "state": "counted", "classes": [ { "class": "none", "confidence": 0.8 } ], "lens": "side-effects@1", "model": "claude-haiku-5.5" }, "purpose": { "marker": "◇ AI reading", "text": "Estimates after-tax results of an Irish Individual Investment Account versus an ETF, direct shares and a pension, then ranks them.", "lens": "tool-purpose-v1", "model": null } }, { "name": "ireland_jobseekers_pay_related_benefit", "protocol": "mcp", "inputs": [ "applyAfterWeeks", "dateOfBirth", "earnings", "earningsPeriod", "lastDayOfWork", "partTimeDays", "partTimeFromWeek", "redundancyLumpSum" ], "inputs_omitted": 2, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": null, "purpose": { "marker": "◇ AI reading", "text": "Estimates week-by-week Irish jobseeker's pay-related benefit amounts from earnings, PRSI contributions and the last day of work.", "lens": "tool-purpose-v1", "model": null } }, { "name": "ireland_landlord_rental_tax", "protocol": "mcp", "inputs": [ "furnishings", "lossesForward", "mortgageInterest", "otherExpenses", "over66", "pay", "rent", "rtbRegistered" ], "inputs_omitted": 3, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": { "marker": "◇ AI reading", "state": "counted", "classes": [ { "class": "none", "confidence": 0.82 } ], "lens": "side-effects@1", "model": "claude-haiku-5.5" }, "purpose": { "marker": "◇ AI reading", "text": "Estimates Irish income tax, USC and PRSI owed on a landlord's residential rental income, given rent and expenses.", "lens": "tool-purpose-v1", "model": null } }, { "name": "ireland_maternity_leave_pay", "protocol": "mcp", "inputs": [ "motherParents", "motherSalary", "motherTopUpWeeks", "motherUnpaidWeeks", "partnerParents", "partnerSalary", "partnerTopUpWeeks", "year" ], "inputs_omitted": 0, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": { "marker": "◇ AI reading", "state": "counted", "classes": [ { "class": "none", "confidence": 0.85 } ], "lens": "side-effects@1", "model": "claude-haiku-5.5" } }, { "name": "ireland_moving_home_compare", "protocol": "mcp", "inputs": [ "caProvince", "careFeeIe", "careNow", "careRules", "children", "couple", "familyNow", "fx" ], "inputs_omitted": 11, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": { "marker": "◇ AI reading", "state": "counted", "classes": [ { "class": "none", "confidence": 0.84 } ], "lens": "side-effects@1", "model": "claude-haiku-5.5" }, "purpose": { "marker": "◇ AI reading", "text": "Estimates whether moving to Ireland for a job leaves a person or couple no worse off each month than abroad.", "lens": "tool-purpose-v1", "model": null } }, { "name": "ireland_myfuturefund_pension", "protocol": "mcp", "inputs": [ "age", "charges", "investReturn", "payGrowth", "retireAge", "salary" ], "inputs_omitted": 0, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": { "marker": "◇ AI reading", "state": "counted", "classes": [ { "class": "none", "confidence": 0.82 } ], "lens": "side-effects@1", "model": "claude-haiku-5.5" }, "purpose": { "marker": "◇ AI reading", "text": "Estimates Irish auto-enrolment pension contributions and the projected retirement pot for a given salary and age.", "lens": "tool-purpose-v1", "model": null } }, { "name": "ireland_overpay_mortgage_or_invest", "protocol": "mcp", "inputs": [ "accessAge", "age", "balance", "depositRatePct", "growthPct", "horizonYears", "lumpSum", "marginalRate" ], "inputs_omitted": 7, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": { "marker": "◇ AI reading", "state": "counted", "classes": [ { "class": "none", "confidence": 0.85 } ], "lens": "side-effects@1", "model": "claude-haiku-5.5" }, "purpose": { "marker": "◇ AI reading", "text": "Estimates whether overpaying an Irish mortgage beats investing in ETFs, shares or pension AVCs, after Irish tax.", "lens": "tool-purpose-v1", "model": null } }, { "name": "ireland_pcp_vs_car_loan", "protocol": "mcp", "inputs": [ "deposit", "endValue", "excessCentPerKm", "expectedKm", "gmfv", "kmAllowance", "loanAprPct", "loanTermMonths" ], "inputs_omitted": 4, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": { "marker": "◇ AI reading", "state": "counted", "classes": [ { "class": "none", "confidence": 0.88 } ], "lens": "side-effects@1", "model": "claude-haiku-5.5" }, "purpose": { "marker": "◇ AI reading", "text": "Returns a cost comparison of an Irish PCP, a car loan and a cash purchase, with payments, lost savings interest and a verdict.", "lens": "tool-purpose-v1", "model": null } }, { "name": "ireland_pension_tax_relief", "protocol": "mcp", "inputs": [ "age", "contributions", "pay", "spousePay", "status", "year" ], "inputs_omitted": 0, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": null, "purpose": { "marker": "◇ AI reading", "text": "Estimates Irish income tax relief on pension contributions by age limit, marginal rate, net cost and remaining annual allowance.", "lens": "tool-purpose-v1", "model": null } }, { "name": "ireland_rent_tax_credit", "protocol": "mcp", "inputs": [ "couple", "monthlyRent" ], "inputs_omitted": 0, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": { "marker": "◇ AI reading", "state": "counted", "classes": [ { "class": "none", "confidence": 0.81 } ], "lens": "side-effects@1", "model": "claude-haiku-5.5" }, "purpose": { "marker": "◇ AI reading", "text": "Estimates the yearly Irish rent tax credit for a monthly rent amount, including back-claims for 2022 to 2026.", "lens": "tool-purpose-v1", "model": null } }, { "name": "ireland_sell_or_keep_rental", "protocol": "mcp", "inputs": [ "age", "costs", "depositRate", "houseGrowth", "investReturn", "mortgageBalance", "mortgageRate", "mortgageYears" ], "inputs_omitted": 8, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": { "marker": "◇ AI reading", "state": "counted", "classes": [ { "class": "none", "confidence": 0.8 } ], "lens": "side-effects@1", "model": "claude-haiku-5.5" }, "purpose": { "marker": "◇ AI reading", "text": "Assesses whether an Irish landlord should sell or keep a let home, showing wealth, break-even growth and year-1 income.", "lens": "tool-purpose-v1", "model": null } }, { "name": "ireland_severance_tax", "protocol": "mcp", "inputs": [ "avgPay", "claimedIn10Years", "lumpSum", "months", "payThisYear", "pensionLumpSum", "priorExempt", "redundancy" ], "inputs_omitted": 6, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": { "marker": "◇ AI reading", "state": "counted", "classes": [ { "class": "none", "confidence": 0.82 } ], "lens": "side-effects@1", "model": "claude-haiku-5.5" }, "purpose": { "marker": "◇ AI reading", "text": "Estimates the tax-free part of an Irish redundancy or severance payment and the income tax and USC due on the excess.", "lens": "tool-purpose-v1", "model": null } }, { "name": "ireland_state_pension_contributory", "protocol": "mcp", "inputs": [ "creditWeeks", "drawdown", "homeCaringWeeks", "paidWeeks" ], "inputs_omitted": 0, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": { "marker": "◇ AI reading", "state": "counted", "classes": [ { "class": "none", "confidence": 0.88 } ], "lens": "side-effects@1", "model": "claude-haiku-5.5" }, "purpose": { "marker": "◇ AI reading", "text": "Estimates Ireland's contributory State Pension weekly rate from paid, credited and HomeCaring contribution weeks.", "lens": "tool-purpose-v1", "model": null } }, { "name": "ireland_what_can_i_claim", "protocol": "mcp", "inputs": [ "aged66", "caring", "children", "couple", "expecting", "hoursFortnight", "pay1", "pay2" ], "inputs_omitted": 4, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": null }, { "name": "ireland_where_to_put_savings", "protocol": "mcp", "inputs": [ "amount", "depositRate", "growth", "marginalRate", "years" ], "inputs_omitted": 0, "annotations": { "readOnlyHint": true, "destructiveHint": false, "idempotentHint": true, "openWorldHint": false }, "effects": { "marker": "◇ AI reading", "state": "counted", "classes": [ { "class": "none", "confidence": 0.81 } ], "lens": "side-effects@1", "model": "claude-haiku-5.5" }, "purpose": { "marker": "◇ AI reading", "text": "Estimates after-tax lump-sum value over years across Irish savings options like State Savings, deposits, ETFs, shares and pensions.", "lens": "tool-purpose-v1", "model": null } } ], "tools_omitted": 27, "tools_state": "recorded", "changes": [], "payment_rails": { "protocols": [], "http_402_seen": false }, "not_covered": [ "We don't call tools.", "We don't rate or certify.", "We don't publish prices.", "We cover only what was observed." ], "evidence": [ { "section": "Identity", "classes": [ "observed", "declared" ], "observed_at": "2026-11-12T08:08:08.490Z" }, { "section": "Tools", "classes": [ "declared" ], "observed_at": "2026-11-12T08:08:08.490Z" }, { "section": "Effect readings (AI)", "classes": [ "AI reading" ], "observed_at": "2026-11-12T08:08:08.490Z" }, { "section": "Change history", "classes": [ "observed" ], "observed_at": "2026-11-12T08:08:08.490Z", "observation_times": [] }, { "section": "Payment rails", "classes": [ "observed" ], "observed_at": "2026-11-12T08:08:08.490Z" } ] } ```