AI2Fin (2Fin) Tax MCP

Australian HELP/HECS study-loan repayment

student_loan_repayment

Read-onlyIdempotent

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. Results may include one sourced background fact (relatedFact); the figures do not depend on it.

Input Schema

TableJSON Schema

Name	Required	Description	Default
`taxYear`	No	Financial-year label like '2025-26'; omit to use the current Australian financial year
`repaymentIncome`	Yes	ATO repayment income in AUD (taxable income + reportable super + reportable fringe benefits + net investment loss + exempt foreign income)

Output Schema

TableJSON Schema

Name	Required	Description
`source`	Yes	The national tax authority the figures were verified against (e.g. 'ATO — ato.gov.au')
`country`	Yes	Always AU — this tool is Australia-only
`taxYear`	Yes	Financial year whose thresholds were used
`repayment`	Yes	Compulsory repayment for the year (AUD)
`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
`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
`relatedFact`	No	One sourced background fact about the country's study-loan repayment; the figures do not depend on it. Absent when no sourced fact fits.
`minThreshold`	Yes	Income at or below which the repayment is nil (AUD)
`effectiveRate`	Yes	repayment ÷ repayment income, as a fraction
`dataVerifiedOn`	Yes	ISO date the rate data was last confirmed against the authority
`repaymentIncome`	Yes	Repayment income used (AUD)

Schema Changelog

Changes observed during successful MCP inspections.

Changed2 schema fields changedOct 10, 2026

addedOutput schema / properties / relatedFact

Added value: +{
+  "additionalProperties": false,
+  "description": "One sourced background fact about the country's study-loan repayment; 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 / 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"
+}

AddedJul 3, 2026

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