Car Loan Interest Deduction Calculator

io.github.theluckystrike由 GitHub 账号 theluckystrike 发布v1.0.0更新于 Nov 3, 2026

2025-2028年汽车贷款利息扣除、SALT上限、儿童税收抵免以及2026年税率级距（IRS）。

AI 翻译由 AI 模型根据下方的原文描述翻译，可能有误。

原文描述

2025-2028 car loan interest deduction, SALT cap, child tax credit and 2026 tax brackets (IRS).

发布方自己的服务：Calculator Tools MCP

已验证Streamable HTTP可网页运行

概览

Car Loan Interest Deduction Calculator 的托管 MCP 服务（car-loan-interest-deduction-calculator-mcp.lipmichal.workers.dev）；无需登录；Streamable HTTP；4 个工具。

暂无 AI 概览：以下信息来自注册中心条目和服务本身。

端点
car-loan-interest-deduction-calculator-mcp.lipmichal.workers.dev
最近检查

安装

在 SourceWeft 中

  1. 打开 控制台中的 Car Loan Interest Deduction Calculator，将其添加到工作区。
  2. 为需要使用其工具的对话启用该服务。

Web executable，通过 Streamable HTTP。 远程服务在工作区中配置后即可从网页运行时运行。

交给智能体安装

把这段提示词粘贴到 Claude Code、Codex、Cursor 等智能体，或 SourceWeft 对话中。智能体会读取该服务器的安装指南，先向你展示发布者、端点和登录方式，经你同意后再把它添加到你的客户端。密钥不会写进任何命令。

阅读 https://sourceweft.com/mcp/io.github.theluckystrike%2Fcar-loan-interest-deduction-calculator-mcp/install.md，并按其中说明把这个 MCP 服务器接入我的客户端。修改任何配置之前，先告诉我它的发布者、端点和登录方式，等我确认。不要把 API 密钥写进命令或我会提交的文件；问我密钥应从哪里获取。

查看智能体所依据的安装指南

其他 MCP 客户端

把它添加到你客户端的 mcpServers 配置中。

{
  "mcpServers": {
    "car-loan-interest-deduction-calculator": {
      "type": "http",
      "url": "https://car-loan-interest-deduction-calculator-mcp.lipmichal.workers.dev/mcp"
    }
  }
}

README

car-loan-interest-deduction-calculator-mcp

An MCP server that calculates the 2025-2028 car loan interest deduction, the new SALT cap, the $2,200 child tax credit and the 2025 and 2026 federal brackets from the One Big Beautiful Bill Act (P.L. 119-21), using IRS forms and revenue procedures.

Hosted endpoint, no sign-in and no token:

https://car-loan-interest-deduction-calculator-mcp.lipmichal.workers.dev/mcp

Tools

ToolWhat it does
calculate_car_loan_interest_deductionDeduction for car loan interest after the $10,000 cap and the $200-per-$1,000 MAGI phase-out over $100,000 ($200,000 joint). Checks the vehicle and loan tests: new, US final assembly, personal use, loan after 2024, under 14,000 lb, first lien, not a lease.
calculate_salt_deductionDeductible state and local tax under the $40,000 (2025) and $40,400 (2026) cap, the 30% phase-down over $500,000 / $505,000 MAGI and the $10,000 floor. Covers 2027-2029 steps and the 2030 return to $10,000. Optionally compares itemizing with the standard deduction.
get_tax_brackets_and_standard_deduction2025 and 2026 brackets and standard deductions, the extra amount for age 65 or blind, and the tax and marginal rate on a given taxable income.
calculate_child_tax_credit$2,200 per child and $500 per other dependent, the 5% phase-out, the tax liability limit and the refundable part up to $1,700 per child.

Every result has structured JSON, a plain-English summary, as_of, source (the irs.gov document) and more (a calculator page on taxbreakcalc.com).

What it knows that your model does not

  • The car loan interest deduction started in tax year 2025, after most models were trained. You can take it without itemizing.
  • Its phase-out is $200 for each $1,000 or part of $1,000 over the threshold. One dollar over $149,000 (single) wipes out the last $200. Schedule 1-A line 28 rounds up.
  • Only new vehicles with final assembly in the US qualify, the loan must be originated after December 31, 2024, and leases never count.
  • Married filing separately can claim it, with the same $100,000 threshold as single filers.
  • The SALT cap is $40,000 for 2025 and $40,400 for 2026, not $10,000. Above $500,000 of MAGI it shrinks by 30 cents per dollar, but never below $10,000.
  • The 2026 standard deduction is $16,100 single and $32,200 joint (Rev. Proc. 2025-32). The child tax credit is $2,200, with up to $1,700 refundable.
  • The IRS has not published 2027 amounts yet (checked 2026-11-02). The tools say so instead of guessing.

Install

Claude.ai custom connector or ChatGPT developer mode

Add a custom connector and paste the URL. No token is needed.

https://car-loan-interest-deduction-calculator-mcp.lipmichal.workers.dev/mcp

Claude Code

claude mcp add --transport http car-loan-interest-deduction https://car-loan-interest-deduction-calculator-mcp.lipmichal.workers.dev/mcp

Or run it locally:

claude mcp add car-loan-interest-deduction -- npx -y github:theluckystrike/car-loan-interest-deduction-calculator-mcp

Claude Desktop

Add this to claude_desktop_config.json:

json
{  "mcpServers": {    "car-loan-interest-deduction": {      "command": "npx",      "args": ["-y", "github:theluckystrike/car-loan-interest-deduction-calculator-mcp"]    }  }}

Cursor

Add this to ~/.cursor/mcp.json:

json
{  "mcpServers": {    "car-loan-interest-deduction": {      "url": "https://car-loan-interest-deduction-calculator-mcp.lipmichal.workers.dev/mcp"    }  }}

VS Code

Add this to .vscode/mcp.json:

json
{  "servers": {    "car-loan-interest-deduction": {      "type": "http",      "url": "https://car-loan-interest-deduction-calculator-mcp.lipmichal.workers.dev/mcp"    }  }}

Node 20 or newer is needed for the local npx version.

Example prompts

  • "I bought a new Ford F-150 in March 2026 and paid $3,200 in loan interest. I file single with MAGI of $110,000. What can I deduct?"
  • "Does a used car or a leased car qualify for the no tax on car loan interest deduction?"
  • "We file jointly, MAGI $550,000, and paid $48,000 in state income and property tax in 2026. How much SALT can we deduct, and should we itemize?"
  • "What is the 2026 standard deduction and what is my federal tax on $60,000 of taxable income?"
  • "We have two kids under 17 and MAGI of $410,500. What is our 2026 child tax credit?"

Data sources

All numbers come from documents fetched on 2026-11-02: the 2025 Schedule 1-A and Form 1040 instructions, IRS Notice 2025-57, the 2025 Schedule A instructions and 2026 draft Schedule A, IRC 164(b)(7), Rev. Proc. 2024-40, Rev. Proc. 2025-32 and the 2025 Schedule 8812 with its instructions. See DATA_SOURCES.md for each item and URL.

Limitations

  • Results are estimates, not tax advice.
  • Federal income tax only. State taxes on the same items are not covered.
  • It does not look up a VIN. Check final assembly on the vehicle label or the NHTSA VIN decoder.
  • 2027-2029 SALT amounts follow the statute's 101% rule; the IRS may round them when it prints the forms.
  • The child tax credit tool does not model the Schedule 8812 alternative for three or more children based on social security and Medicare tax.
  • Overtime, tips and the senior deduction are in a separate server: no-tax-on-overtime-mcp.

More

Calculators and guides for people: taxbreakcalc.com.

Part of the Zovo MCP collection: https://mcp.zovo.one

Development

npm installnpm run buildnpm test

src/core.ts holds all the rules and has no I/O. src/stdio.ts is the local entry and src/worker.ts is the Cloudflare Worker entry. Both use the same tool registry in src/tools.ts.

License

MIT

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The paid back-office collection (invoices, VAT, PDFs, spreadsheets) is at https://mcp.zovo.one

来源：README.md，提交 1d3db5a

工具

4

calculate_car_loan_interest_deduction

Car loan interest deduction (2025-2028)

Calculates the 2025-2028 federal deduction for car loan interest created by the One Big Beautiful Bill Act (P.L. 119-21, IRC 163(h)(4)) the way IRS Schedule 1-A Part IV does: up to $10,000 of qualified passenger vehicle loan interest, then $200 off for each $1,000 or part of $1,000 of MAGI over $100,000 ($200,000 married filing jointly), so it reaches $0 at $149,001 ($249,001 joint). Checks the eligibility tests: loan originated after Dec 31 2024, new vehicle, final assembly in the US, personal use, car/minivan/van/SUV/pickup/motorcycle under 14,000 lb GVWR, first lien, not a lease. Available whether or not you itemize. Rules copied from the 2025 Schedule 1-A, Form 1040 instructions and IRS Notice 2025-57.

输入参数magi必填is_leasetax_year必填new_vehiclepersonal_usevehicle_typefiling_status必填interest_paid必填marginal_tax_rateus_final_assemblygvwr_under_14000_lbsloan_origination_date另有 2 个

calculate_salt_deduction

SALT deduction cap (2025-2030)

Calculates the deductible state and local tax (SALT) on Schedule A under the One Big Beautiful Bill Act cap (IRC 164(b)(6)-(7)): $40,000 for 2025 and $40,400 for 2026 ($20,000 / $20,200 married filing separately), rising 1% a year through 2029, reduced by 30% of MAGI over $500,000 (2025) or $505,000 (2026) but never below $10,000, then back to a flat $10,000 in 2030. Uses the IRS State and Local Tax Deduction Worksheet. Optionally compares itemizing with the standard deduction. Amounts copied from the 2025 Schedule A instructions, the 2026 draft Schedule A and the statute.

输入参数magi必填tax_year必填filing_status必填state_and_local_taxes必填other_itemized_deductions

get_tax_brackets_and_standard_deduction

2025 and 2026 federal brackets and standard deduction

Returns the official 2025 and 2026 federal income tax brackets and standard deductions after the One Big Beautiful Bill Act: 2026 standard deduction $16,100 single, $32,200 joint, $24,150 head of household (Rev. Proc. 2025-32), 2025 $15,750 / $31,500 / $23,625, plus the additional amount for age 65 or blind. Optionally computes the tax and marginal rate on a taxable income. Says plainly that 2027 amounts are not yet published (checked against the Internal Revenue Bulletin and irs-drop on 2026-11-02).

输入参数tax_year必填filing_statustaxable_income

calculate_child_tax_credit

Child tax credit (2025-2026)

Calculates the child tax credit as Schedule 8812 does after the One Big Beautiful Bill Act: $2,200 per qualifying child under 17 for 2025 and 2026, $500 per other dependent, reduced by 5% of MAGI over $400,000 joint / $200,000 others (excess rounded up to the next $1,000), limited by tax liability, with the refundable additional child tax credit of up to $1,700 per child at 15% of earned income over $2,500. Amounts from the 2025 Schedule 8812 and Rev. Proc. 2025-32.

输入参数magi必填tax_year必填earned_incomefiling_status必填other_dependentsqualifying_children必填tax_liability_before_credits

版本历史

1
  1. v1.0.0最新Nov 3, 2026

评分

已满足适用检查项的 100%

该评分衡量此收录条目的完整程度，依据注册中心条目、端点与公开来源计算得出。它不是对服务器本身的评价，也不表示服务器安全或当前可用：可连通性是带日期的检查结果，评分也不包含安装量或用户评价。

  • 近 30 天内可连通必需25 分
  • 已声明认证方式必需10 分
  • 已列出工具必需15 分
  • 描述必需15 分
  • 图标10 分
  • 文档15 分
  • 许可证10 分

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