AI2Fin (2Fin) Tax MCP

Income tax & take-home estimate (57 countries)

income_tax_estimate

Read-onlyIdempotent

Estimate personal income tax and take-home pay from gross annual income for 57 countries, using the engine's effective-dated brackets with each country's own levies, offsets and social contributions as its scheme defines them. Covered: AE, AR, AT, AU, BD, BE, BR, CA, CH, CL, CN, CO, CR, CZ, DE, DK, EE, EG, ES, FI, FR, GB, GR, GT, HU, ID, IE, IL, IN, IS, IT, JM, JP, KE, KR, LU, LV, MX, MY, NG, NL, NO, NZ, PH, PK, PL, PT, SA, SE, SG, SI, SK, TH, TR, US, VN, ZA. Any other country returns 'not covered' rather than a guess; its headline rates live in tax_rate_lookup. Pass region for a state, province or nation where the scheme has one (CA: 13 regions, e.g. AB, BC, MB; ES: 3 regions, e.g. AN, CT, MD; GB: SCT (Scotland); US: 51 regions, e.g. AK, AL, AR); without it the answer is national only and says so in its assumptions. 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; Finland also returns the tax-card rate (veroprosentti). The figure is for EMPLOYMENT income (salary or wages) wherever a country applies an employee-only item — India's salary standard deduction, UK Class 1 National Insurance, US FICA — and the first assumption says so. For freelance or self-employed profit pass incomeType "self-employed": India and the UK compute it, countries where it is taxed the same answer it, and the rest refuse with what differs rather than return a salaried figure. This is a resident-individual estimate, not a filing calculation: relay the assumptions it returns. Each answer cites the income-tax source and date for that country — not the GST/VAT one. For AU HELP/HECS use student_loan_repayment. Results may include one sourced background fact (relatedFact); the figures do not depend on it.

Input Schema

TableJSON Schema

Name	Required	Description	Default
`age`	No	Finland only: age at the end of the tax year. Changes the employee pension and unemployment contributions and, from 66, the earned-income credit; omit to assume a working age (18–64 from 2026, when the 53–62 pension surcharge ended; 18–52 for 2025)
`church`	No	Finland only: parish membership, for church tax. Needs `municipality`, because each parish sets its own rate	none
`income`	Yes	Gross annual income in local currency, before tax
`region`	No	Optional state, province or nation code, where the country's scheme has one: CA: 13 regions, e.g. AB, BC, MB; ES: 3 regions, e.g. AN, CT, MD; GB: SCT (Scotland); US: 51 regions, e.g. AK, AL, AR
`country`	Yes	2-letter ISO code of a covered country (upper case)
`taxYear`	No	Tax year as people write it, e.g. '2026-27' or '2026/27' (AU/NZ/GB/IN), '2026' (calendar-year countries), 'YA 2027' (Singapore), 'Tax Year 2027' (Pakistan, which names a year by its end); omit for the current tax year. A year not on file is refused with the years on file
`incomeType`	No	What the income is: "employment" (salary or wages, the default) or "self-employed" (freelance or sole-trader profit after business expenses). Countries that do not model self-employed income refuse it with what differs instead of returning the employment figure
`municipality`	No	Finland only: the municipality (kunta) of residence on 31 December of the previous year, in Finnish or Swedish, e.g. 'Helsinki', 'Espoo', 'Tampere', 'Åbo'. Sets the municipal and parish tax rates; omit to use the national average municipal rate

Output Schema

TableJSON Schema

Name	Required	Description
`lito`	Yes	Kept for compatibility: AU Low Income Tax Offset only, 0 for every other country. See `offsets` for the general figure.
`gross`	Yes	Gross annual income used
`levies`	Yes	Charges on top of the offset tax, by name (social contributions, regional tax) — empty array when none apply
`region`	No	State, province or nation whose tax was included — present only when region was passed
`source`	Yes	The national tax authority the figures were verified against (e.g. 'ATO — ato.gov.au')
`country`	Yes	Country estimated (2-letter ISO code)
`offsets`	Yes	Credits that reduced the tax, by name — empty array when none apply
`taxYear`	Yes	Tax year the brackets belong to
`taxable`	Yes	Income after any pre-band deduction (UK personal allowance, IN standard deduction, US standard deduction)
`currency`	Yes	Currency of every monetary field
`takeHome`	Yes	Gross minus total tax
`totalTax`	Yes	Total tax after levies and offsets
`incomeTax`	Yes	Income tax before levies and offsets
`sourceUrl`	No	https link to the authority page the rate was verified against. Present only on rate answers backed by a verified ledger row — absent (never empty) otherwise, so its presence is itself the claim
`churchRate`	No	Finland: church-tax rate applied, as a fraction (0 for a non-member)
`disclaimer`	Yes	General-information note that must accompany any figure shown to a person
`mayBeStale`	Yes	True once the verification date is over a year old — re-confirm with the authority
`assumptions`	No	Assumptions the figures depend on — relay them with the numbers; the first is always the income basis
`averageRate`	No	Total tax over gross, as a fraction
`incomeBasis`	No	What income the figure was computed for: employment (employee-only items applied), self-employed, or any (nothing depends on the income type). The first assumption says the same in words
`relatedFact`	No	One sourced background fact about the country's income tax; the figures do not depend on it. Absent when no sourced fact fits.
`taxCardRate`	No	Finland: the withholding percentage (veroprosentti) Vero would put on the tax card — rounded up to the next half point. Employee pension and unemployment contributions are withheld on top of it
`marginalRate`	No	Marginal rate on the next unit of income, as a fraction
`medicareLevy`	Yes	Kept for compatibility: AU Medicare levy only, 0 for every other country. See `levies` for the general figure.
`municipality`	No	Finland: the municipality whose rates were used, or "national average"
`municipalRate`	No	Finland: municipal income-tax rate applied, as a fraction
`dataVerifiedOn`	Yes	ISO date the rate data was last confirmed against the authority
`taxCardWithheld`	No	Finland: the tax the tax card covers for the year, to the cent (state, municipal, church, health insurance and YLE tax, less the credit)
`separatelyWithheld`	No	Finland: employee pension and unemployment contributions for the year, to the cent — withheld by the employer on top of the tax card

Schema Changelog

Changes observed during successful MCP inspections.

Changed5 schema fields changedOct 12, 2026

changedInput schema / properties / age / description

Previous value: -"Finland only: age at the end of the tax year. Changes the employee pension and unemployment contributions and, from 66, the earned-income credit; omit to assume a working age of 18–52"New value: +"Finland only: age at the end of the tax year. Changes the employee pension and unemployment contributions and, from 66, the earned-income credit; omit to assume a working age (18–64 from 2026, when the 53–62 pension surcharge ended; 18–52 for 2025)"

addedInput schema / properties / incomeType

Added value: +{
+  "description": "What the income is: \"employment\" (salary or wages, the default) or \"self-employed\" (freelance or sole-trader profit after business expenses). Countries that do not model self-employed income refuse it with what differs instead of returning the employment figure",
+  "enum": [
+    "employment",
+    "self-employed"
+  ],
+  "type": "string"
+}

changedInput schema / properties / taxYear / description

Previous value: -"Tax-year label as the country uses it, e.g. '2025-26' (AU/NZ/GB/IN) or '2026' (calendar-year countries); omit for the current tax year. An unknown year is refused with the years on file"New value: +"Tax year as people write it, e.g. '2026-27' or '2026/27' (AU/NZ/GB/IN), '2026' (calendar-year countries), 'YA 2027' (Singapore), 'Tax Year 2027' (Pakistan, which names a year by its end); omit for the current tax year. A year not on file is refused with the years on file"

changedOutput schema / properties / assumptions / description

Previous value: -"Assumptions the figures depend on — relay them with the numbers"New value: +"Assumptions the figures depend on — relay them with the numbers; the first is always the income basis"

addedOutput schema / properties / incomeBasis

Added value: +{
+  "description": "What income the figure was computed for: employment (employee-only items applied), self-employed, or any (nothing depends on the income type). The first assumption says the same in words",
+  "enum": [
+    "employment",
+    "self-employed",
+    "any"
+  ],
+  "type": "string"
+}

Changed32 schema fields changedOct 10, 2026

addedInput schema / properties / age

Added value: +{
+  "description": "Finland only: age at the end of the tax year. Changes the employee pension and unemployment contributions and, from 66, the earned-income credit; omit to assume a working age of 18–52",
+  "maximum": 100,
+  "minimum": 15,
+  "type": "integer"
+}

addedInput schema / properties / church

Added value: +{
+  "default": "none",
+  "description": "Finland only: parish membership, for church tax. Needs `municipality`, because each parish sets its own rate",
+  "enum": [
+    "none",
+    "evangelical-lutheran",
+    "orthodox"
+  ],
+  "type": "string"
+}

changedInput schema / properties / country / description

Previous value: -"Country with bracket data: AU (Australia) or NZ (New Zealand)"New value: +"2-letter ISO code of a covered country (upper case)"

changedInput schema / properties / country / enum

Previous value: -[
-  "AU",
-  "NZ"
-]New value: +[
+  "AE",
+  "AR",
+  "AT",
+  "AU",
+  "BD",
+  "BE",
+  "BR",
+  "CA",
+  "CH",
+  "CL",
+  "CN",
+  "CO",
+  "CR",
+  "CZ",
+  "DE",
+  "DK",
+  "EE",
+  "EG",
+  "ES",
+  "FI",
+  "FR",
+  "GB",
+  "GR",
+  "GT",
+  "HU",
+  "ID",
+  "IE",
+  "IL",
+  "IN",
+  "IS",
+  "IT",
+  "JM",
+  "JP",
+  "KE",
+  "KR",
+  "LU",
+  "LV",
+  "MX",
+  "MY",
+  "NG",
+  "NL",
+  "NO",
+  "NZ",
+  "PH",
+  "PK",
+  "PL",
+  "PT",
+  "SA",
+  "SE",
+  "SG",
+  "SI",
+  "SK",
+  "TH",
+  "TR",
+  "US",
+  "VN",
+  "ZA"
+]

changedInput schema / properties / income / description

Previous value: -"Gross annual income in local currency (AUD for AU, NZD for NZ), before tax"New value: +"Gross annual income in local currency, before tax"

addedInput schema / properties / municipality

Added value: +{
+  "description": "Finland only: the municipality (kunta) of residence on 31 December of the previous year, in Finnish or Swedish, e.g. 'Helsinki', 'Espoo', 'Tampere', 'Åbo'. Sets the municipal and parish tax rates; omit to use the national average municipal rate",
+  "maxLength": 60,
+  "type": "string"
+}

addedInput schema / properties / region

Added value: +{
+  "description": "Optional state, province or nation code, where the country's scheme has one: CA: 13 regions, e.g. AB, BC, MB; ES: 3 regions, e.g. AN, CT, MD; GB: SCT (Scotland); US: 51 regions, e.g. AK, AL, AR",
+  "maxLength": 8,
+  "type": "string"
+}

changedInput schema / properties / taxYear / description

Previous value: -"Financial-year label like '2025-26'; omit to use the current financial year in that country's timezone"New value: +"Tax-year label as the country uses it, e.g. '2025-26' (AU/NZ/GB/IN) or '2026' (calendar-year countries); omit for the current tax year. An unknown year is refused with the years on file"

removedInput schema / properties / taxYear / examples
```
Removed value: -[
-  "2025-26"
-]
```
removedInput schema / properties / taxYear / pattern
```
Removed value: -"^\\d{4}-\\d{2}$"
```

addedOutput schema / properties / assumptions

Added value: +{
+  "description": "Assumptions the figures depend on — relay them with the numbers",
+  "items": {
+    "type": "string"
+  },
+  "type": "array"
+}

addedOutput schema / properties / averageRate

Added value: +{
+  "description": "Total tax over gross, as a fraction",
+  "type": "number"
+}

addedOutput schema / properties / churchRate

Added value: +{
+  "description": "Finland: church-tax rate applied, as a fraction (0 for a non-member)",
+  "type": "number"
+}

changedOutput schema / properties / country / description

Previous value: -"Country estimated"New value: +"Country estimated (2-letter ISO code)"

removedOutput schema / properties / country / enum
```
Removed value: -[
-  "AU",
-  "NZ"
-]
```

changedOutput schema / properties / currency / description

Previous value: -"Currency of every monetary field (AUD or NZD)"New value: +"Currency of every monetary field"

addedOutput schema / properties / levies

Added value: +{
+  "description": "Charges on top of the offset tax, by name (social contributions, regional tax) — empty array when none apply",
+  "items": {
+    "properties": {
+      "amount": {
+        "type": "number"
+      },
+      "name": {
+        "type": "string"
+      }
+    },
+    "required": [
+      "name",
+      "amount"
+    ],
+    "type": "object"
+  },
+  "type": "array"
+}

changedOutput schema / properties / lito / description

Previous value: -"Low Income Tax Offset applied (AU only; 0 otherwise)"New value: +"Kept for compatibility: AU Low Income Tax Offset only, 0 for every other country. See `offsets` for the general figure."

addedOutput schema / properties / marginalRate

Added value: +{
+  "description": "Marginal rate on the next unit of income, as a fraction",
+  "type": "number"
+}

changedOutput schema / properties / medicareLevy / description

Previous value: -"Medicare levy (AU only; 0 for NZ)"New value: +"Kept for compatibility: AU Medicare levy only, 0 for every other country. See `levies` for the general figure."

addedOutput schema / properties / municipalRate

Added value: +{
+  "description": "Finland: municipal income-tax rate applied, as a fraction",
+  "type": "number"
+}

addedOutput schema / properties / municipality

Added value: +{
+  "description": "Finland: the municipality whose rates were used, or \"national average\"",
+  "type": "string"
+}

addedOutput schema / properties / offsets

Added value: +{
+  "description": "Credits that reduced the tax, by name — empty array when none apply",
+  "items": {
+    "properties": {
+      "amount": {
+        "type": "number"
+      },
+      "name": {
+        "type": "string"
+      }
+    },
+    "required": [
+      "name",
+      "amount"
+    ],
+    "type": "object"
+  },
+  "type": "array"
+}

addedOutput schema / properties / region

Added value: +{
+  "description": "State, province or nation whose tax was included — present only when region was passed",
+  "type": "string"
+}

addedOutput schema / properties / relatedFact

Added value: +{
+  "additionalProperties": false,
+  "description": "One sourced background fact about the country's income tax; the figures do not depend on it. Absent when no sourced fact fits.",
+  "properties": {
+    "context": {
+      "description": "Present on a state or provincial answer: the fact is about the country as a whole",
+      "enum": [
+        "national"
+      ],
+      "type": "string"
+    },
+    "country": {
+      "description": "2-letter ISO code of the country the fact is about",
+      "type": "string"
+    },
+    "detail": {
+      "description": "Longer supporting detail, when the corpus has it",
+      "type": "string"
+    },
+    "fact": {
+      "description": "The fact, in one or two sentences",
+      "type": "string"
+    },
+    "kind": {
+      "description": "'origin' = when the tax began and what it replaced; 'anniversary' = the same, on the anniversary of its start date; 'story' = a dated story from the facts corpus",
+      "enum": [
+        "origin",
+        "story",
+        "anniversary"
+      ],
+      "type": "string"
+    },
+    "more": {
+      "description": "The tool that returns the full sourced fact set for this country",
+      "enum": [
+        "tax_facts"
+      ],
+      "type": "string"
+    },
+    "sourceName": {
+      "description": "Who the fact is sourced to",
+      "type": "string"
+    },
+    "sourceUrl": {
+      "description": "Link to that source — always present",
+      "type": "string"
+    },
+    "topic": {
+      "description": "Which tax the fact is about",
+      "enum": [
+        "gst",
+        "income",
+        "company",
+        "cgt",
+        "super",
+        "studentloan",
+        "general"
+      ],
+      "type": "string"
+    },
+    "verifiedDate": {
+      "description": "ISO date the fact was last checked against its source, when recorded",
+      "type": "string"
+    }
+  },
+  "required": [
+    "kind",
+    "topic",
+    "country",
+    "fact",
+    "sourceName",
+    "sourceUrl",
+    "more"
+  ],
+  "type": "object"
+}

addedOutput schema / properties / separatelyWithheld

Added value: +{
+  "description": "Finland: employee pension and unemployment contributions for the year, to the cent — withheld by the employer on top of the tax card",
+  "type": "number"
+}

addedOutput schema / properties / sourceUrl

Added value: +{
+  "description": "https link to the authority page the rate was verified against. Present only on rate answers backed by a verified ledger row — absent (never empty) otherwise, so its presence is itself the claim",
+  "type": "string"
+}

addedOutput schema / properties / taxCardRate

Added value: +{
+  "description": "Finland: the withholding percentage (veroprosentti) Vero would put on the tax card — rounded up to the next half point. Employee pension and unemployment contributions are withheld on top of it",
+  "type": "number"
+}

addedOutput schema / properties / taxCardWithheld

Added value: +{
+  "description": "Finland: the tax the tax card covers for the year, to the cent (state, municipal, church, health insurance and YLE tax, less the credit)",
+  "type": "number"
+}

changedOutput schema / properties / taxYear / description

Previous value: -"Financial year the brackets belong to"New value: +"Tax year the brackets belong to"

addedOutput schema / properties / taxable

Added value: +{
+  "description": "Income after any pre-band deduction (UK personal allowance, IN standard deduction, US standard deduction)",
+  "type": "number"
+}

changedOutput schema / required

Previous value: -[
-  "country",
-  "currency",
-  "taxYear",
-  "gross",
-  "incomeTax",
-  "medicareLevy",
-  "lito",
-  "totalTax",
-  "takeHome",
-  "source",
-  "dataVerifiedOn",
-  "mayBeStale",
-  "disclaimer"
-]New value: +[
+  "country",
+  "currency",
+  "taxYear",
+  "gross",
+  "taxable",
+  "incomeTax",
+  "medicareLevy",
+  "lito",
+  "offsets",
+  "levies",
+  "totalTax",
+  "takeHome",
+  "source",
+  "dataVerifiedOn",
+  "mayBeStale",
+  "disclaimer"
+]

First observedJul 3, 2026

TDQS

Score is being calculated.

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