2025-2028 car loan interest deduction, SALT cap, child tax credit and 2026 tax brackets (IRS).
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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.
Modified adjusted gross income in USD (Form 1040 line 11b plus excluded foreign and Puerto Rico income).
Tax year, 2025 to 2028. The deduction ends after 2028.
Federal filing status.
Interest paid or accrued on the vehicle loan in the year, in USD (the lender's year-end statement).
True if this is a lease. Lease payments never qualify.
True if the original use starts with you (new). Used vehicles do not qualify.
True if you expect personal use more than 50% of the time.
car, minivan, van, suv, pickup, motorcycle or other.
Your federal marginal rate as a decimal (e.g. 0.22) to estimate the tax saved.
True if final assembly was in the United States (vehicle label or NHTSA VIN decoder).
True if the gross vehicle weight rating is under 14,000 pounds.
Date the loan was originated, YYYY-MM-DD. Must be after 2024-12-31.
True if the loan is secured by a first lien on the vehicle.
Part of that interest already deducted on Schedule C, E or F. It cannot be deducted twice.
Pick your client. Values in capitals, like YOUR_TOKEN, are yours to fill in.
claude mcp add --transport http car-loan-interest-deduction-calculator-mcp https://car-loan-interest-deduction-calculator-mcp.lipmichal.workers.dev/mcp
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 ($249,001 joint). Checks the eligibility tests: loan originated after Dec 31 2024, new vehicle, final assembly in the US, personal use, car/minivan/van/SUV/pickup/motorcycle under 14,000 lb GVWR, first lien, not a lease. Available whether or not you itemize. Rules copied from the 2025 Schedule 1-A, Form 1040 instructions and IRS Notice 2025-57.
| Argument | Type | Description |
|---|---|---|
| magi* | number | Modified adjusted gross income in USD (Form 1040 line 11b plus excluded foreign and Puerto Rico income). |
| is_lease | boolean | True if this is a lease. Lease payments never qualify. |
| tax_year* | integer | Tax year, 2025 to 2028. The deduction ends after 2028. |
| new_vehicle | boolean | True if the original use starts with you (new). Used vehicles do not qualify. |
| personal_use | boolean | True if you expect personal use more than 50% of the time. |
| vehicle_type | string | car, minivan, van, suv, pickup, motorcycle or other. |
| filing_status* | string | Federal filing status. |
| interest_paid* | number | Interest paid or accrued on the vehicle loan in the year, in USD (the lender's year-end statement). |
| marginal_tax_rate | number | Your federal marginal rate as a decimal (e.g. 0.22) to estimate the tax saved. |
| us_final_assembly | boolean | True if final assembly was in the United States (vehicle label or NHTSA VIN decoder). |
| gvwr_under_14000_lbs | boolean | True if the gross vehicle weight rating is under 14,000 pounds. |
| loan_origination_date | string | Date the loan was originated, YYYY-MM-DD. Must be after 2024-12-31. |
| secured_by_first_lien | boolean | True if the loan is secured by a first lien on the vehicle. |
| interest_deducted_elsewhere | number | Part of that interest already deducted on Schedule C, E or F. It cannot be deducted twice. |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"filing_status",
"magi",
"tax_year",
"interest_paid"
],
"properties": {
"magi": {
"type": "number",
"maximum": 10000000000,
"minimum": 0,
"description": "Modified adjusted gross income in USD (Form 1040 line 11b plus excluded foreign and Puerto Rico income)."
},
"is_lease": {
"type": "boolean",
"description": "True if this is a lease. Lease payments never qualify."
},
"tax_year": {
"type": "integer",
"maximum": 2028,
"minimum": 2025,
"description": "Tax year, 2025 to 2028. The deduction ends after 2028."
},
"new_vehicle": {
"type": "boolean",
"description": "True if the original use starts with you (new). Used vehicles do not qualify."
},
"personal_use": {
"type": "boolean",
"description": "True if you expect personal use more than 50% of the time."
},
"vehicle_type": {
"enum": [
"car",
"minivan",
"van",
"suv",
"pickup",
"motorcycle",
"other"
],
"type": "string",
"description": "car, minivan, van, suv, pickup, motorcycle or other."
},
"filing_status": {
"enum": [
"single",
"married_filing_jointly",
"married_filing_separately",
"head_of_household",
"qualifying_surviving_spouse"
],
"type": "string",
"description": "Federal filing status."
},
"interest_paid": {
"type": "number",
"maximum": 10000000000,
"minimum": 0,
"description": "Interest paid or accrued on the vehicle loan in the year, in USD (the lender's year-end statement)."
},
"marginal_tax_rate": {
"type": "number",
"maximum": 0.37,
"minimum": 0,
"description": "Your federal marginal rate as a decimal (e.g. 0.22) to estimate the tax saved."
},
"us_final_assembly": {
"type": "boolean",
"description": "True if final assembly was in the United States (vehicle label or NHTSA VIN decoder)."
},
"gvwr_under_14000_lbs": {
"type": "boolean",
"description": "True if the gross vehicle weight rating is under 14,000 pounds."
},
"loan_origination_date": {
"type": "string",
"pattern": "^\\d{4}-\\d{2}-\\d{2}$",
"description": "Date the loan was originated, YYYY-MM-DD. Must be after 2024-12-31."
},
"secured_by_first_lien": {
"type": "boolean",
"description": "True if the loan is secured by a first lien on the vehicle."
},
"interest_deducted_elsewhere": {
"type": "number",
"maximum": 10000000000,
"minimum": 0,
"description": "Part of that interest already deducted on Schedule C, E or F. It cannot be deducted twice."
}
},
"additionalProperties": false
}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.
| Argument | Type | Description |
|---|---|---|
| magi* | number | Modified adjusted gross income in USD (Form 1040 line 11b plus excluded foreign and Puerto Rico income). |
| tax_year* | integer | 2025 or 2026. 2027 is not yet published. |
| earned_income | number | Earned income for the refundable part. Defaults to MAGI. |
| filing_status* | string | Federal filing status. |
| other_dependents | integer | Other dependents (credit for other dependents, $500 each). |
| qualifying_children* | integer | Children under 17 at year end with a valid SSN. |
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.
| Argument | Type | Description |
|---|---|---|
| magi* | number | Modified adjusted gross income in USD (Form 1040 line 11b plus excluded foreign and Puerto Rico income). |
| tax_year* | integer | Tax year, 2025 or later. 2027-2029 amounts are the statutory 101% steps; 2030 on is $10,000. |
| filing_status* | string | Federal filing status. |
| state_and_local_taxes* | number | State and local income (or sales) tax plus real estate and personal property tax paid in the year (Schedule A line 5d). |
| other_itemized_deductions | number | Other itemized deductions (mortgage interest, gifts to charity, medical over the floor). Give it to compare itemizing with the 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 / $23,625, plus the additional amount for age 65 or blind. Optionally computes the tax and marginal rate on a taxable income. Says plainly that 2027 amounts are not yet published (checked against the Internal Revenue Bulletin and irs-drop on 2026-11-02).
| Argument | Type | Description |
|---|---|---|
| tax_year* | integer | 2025 or 2026. 2027 returns a not-yet-published error. |
| filing_status | string | Leave out to get all filing statuses. |
| taxable_income | number | Taxable income to compute tax on (needs filing_status). |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"tax_year"
],
"properties": {
"tax_year": {
"type": "integer",
"maximum": 2027,
"minimum": 2025,
"description": "2025 or 2026. 2027 returns a not-yet-published error."
},
"filing_status": {
"enum": [
"single",
"married_filing_jointly",
"married_filing_separately",
"head_of_household",
"qualifying_surviving_spouse"
],
"type": "string",
"description": "Leave out to get all filing statuses."
},
"taxable_income": {
"type": "number",
"maximum": 10000000000,
"minimum": 0,
"description": "Taxable income to compute tax on (needs filing_status)."
}
},
"additionalProperties": false
}We read every tool's name, description and inputs the way the model will, looking for instructions hidden from you. A clean result means no warning signs, not a guarantee. Scanned Nov 2, 2026.
| tax_liability_before_credits |
| number |
| Income tax before credits (Form 1040 line 18). Estimated from MAGI if left out. |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"filing_status",
"magi",
"tax_year",
"qualifying_children"
],
"properties": {
"magi": {
"type": "number",
"maximum": 10000000000,
"minimum": 0,
"description": "Modified adjusted gross income in USD (Form 1040 line 11b plus excluded foreign and Puerto Rico income)."
},
"tax_year": {
"type": "integer",
"maximum": 2027,
"minimum": 2025,
"description": "2025 or 2026. 2027 is not yet published."
},
"earned_income": {
"type": "number",
"maximum": 10000000000,
"minimum": 0,
"description": "Earned income for the refundable part. Defaults to MAGI."
},
"filing_status": {
"enum": [
"single",
"married_filing_jointly",
"married_filing_separately",
"head_of_household",
"qualifying_surviving_spouse"
],
"type": "string",
"description": "Federal filing status."
},
"other_dependents": {
"type": "integer",
"maximum": 20,
"minimum": 0,
"description": "Other dependents (credit for other dependents, $500 each)."
},
"qualifying_children": {
"type": "integer",
"maximum": 20,
"minimum": 0,
"description": "Children under 17 at year end with a valid SSN."
},
"tax_liability_before_credits": {
"type": "number",
"maximum": 10000000000,
"minimum": 0,
"description": "Income tax before credits (Form 1040 line 18). Estimated from MAGI if left out."
}
},
"additionalProperties": false
}{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"filing_status",
"magi",
"tax_year",
"state_and_local_taxes"
],
"properties": {
"magi": {
"type": "number",
"maximum": 10000000000,
"minimum": 0,
"description": "Modified adjusted gross income in USD (Form 1040 line 11b plus excluded foreign and Puerto Rico income)."
},
"tax_year": {
"type": "integer",
"maximum": 2035,
"minimum": 2025,
"description": "Tax year, 2025 or later. 2027-2029 amounts are the statutory 101% steps; 2030 on is $10,000."
},
"filing_status": {
"enum": [
"single",
"married_filing_jointly",
"married_filing_separately",
"head_of_household",
"qualifying_surviving_spouse"
],
"type": "string",
"description": "Federal filing status."
},
"state_and_local_taxes": {
"type": "number",
"maximum": 10000000000,
"minimum": 0,
"description": "State and local income (or sales) tax plus real estate and personal property tax paid in the year (Schedule A line 5d)."
},
"other_itemized_deductions": {
"type": "number",
"maximum": 10000000000,
"minimum": 0,
"description": "Other itemized deductions (mortgage interest, gifts to charity, medical over the floor). Give it to compare itemizing with the standard deduction."
}
},
"additionalProperties": false
}