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AI2Fin (2Fin) Tax MCP

Australian superannuation estimate

superannuation_estimate
Read-onlyIdempotent

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

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
taxYearNoFinancial-year label like '2025-26'; omit to use the current Australian financial year
salarySacrificeNoVoluntary before-tax (concessional) contributions in AUD
ordinaryEarningsYesOrdinary time earnings the Superannuation Guarantee applies to, in AUD (usually salary/wages)
otherTaxableIncomeNoOther taxable income in AUD — only used to test the Division 293 high-earner threshold
personalDeductibleNoPersonal contributions claimed as a tax deduction in AUD (also concessional)

Output Schema

TableJSON Schema
NameRequiredDescriptionDefault
sgRateYesSuperannuation Guarantee rate applied, as a fraction
sourceYesThe national tax authority the figures were verified against (e.g. 'ATO — ato.gov.au')
countryYesAlways AU — this tool is Australia-only
taxYearYesFinancial year whose parameters were used
div293TaxYesDivision 293 surcharge (extra 15%), 0 when it does not apply (AUD)
sourceUrlNohttps 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
assumptionNoA stated assumption that materially affects the figures, when one applies (e.g. no carried-forward concessional cap)
disclaimerYesGeneral-information note that must accompany any figure shown to a person
mayBeStaleYesTrue once the verification date is over a year old — re-confirm with the authority
relatedFactNoOne sourced background fact about the country's superannuation; the figures do not depend on it. Absent when no sourced fact fits.
div293AppliesYesWhether the Division 293 high-earner surcharge applies
dataVerifiedOnYesISO date the rate data was last confirmed against the authority
concessionalCapYesConcessional contributions cap for the year (AUD)
guaranteeAmountYesCompulsory employer SG contribution for the year (AUD)
contributionsTaxYes15% contributions tax on concessional contributions within the cap (AUD)
excessConcessionalYesConcessional contributions above the cap (AUD)
guaranteeableEarningsYesEarnings the SG applied to after the maximum contribution base cap (AUD)
concessionalContributionsYesSG + salary sacrifice + personal deductible, all concessional (AUD)

Schema Changelog

Changes observed during successful MCP inspections.

  1. Changed3 schema fields changed
    • addedOutput schema / properties / assumption
      Added value: +{
      +  "description": "A stated assumption that materially affects the figures, when one applies (e.g. no carried-forward concessional cap)",
      +  "type": "string"
      +}
    • addedOutput schema / properties / relatedFact
      Added value: +{
      +  "additionalProperties": false,
      +  "description": "One sourced background fact about the country's superannuation; 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"
      +}
  2. Added

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