Taxes

Taxes — connector documentation

• MCP endpoint: https://taxes.connectorbay.com/mcp
• REST API: POST https://taxes.connectorbay.com/v1/tools/{tool_name}, described by the OpenAPI 3.1 spec at https://taxes.connectorbay.com/openapi.json
• Transport: Streamable HTTP, stateless, MCP specification 2025-06-18 or later
• Authentication: none required. An optional Authorization: Bearer <key> raises rate limits.
• Health: https://taxes.connectorbay.com/health · Tool schemas: https://taxes.connectorbay.com/tools.json
• Publisher: Unify Dynamics LLC · connectorbay.com/taxes · agent@connectorbay.com

What Taxes is for

"How much tax on 18 lakh, new or old regime?", "what's my take-home on £55k", "federal tax on $120k single", "GST on this invoice", "tax if I sell these shares" — the questions people ask an assistant before they ask an accountant. Taxes answers them with the actual slab arithmetic, shown line by line, from rate tables you can read.

What it does

India: income tax under the new regime (Finance Act 2025 slabs, ₹75,000 standard deduction, section 87A rebate to ₹12 lakh with marginal relief, employer NPS) and the old regime (basic exemption by age, ₹50,000 standard deduction, capped Chapter VI-A deductions you supply, HRA and home-loan interest), each with slab breakdown, surcharge with marginal relief, 4% cess, effective rate and monthly take-home — or both compared with the saving. HRA exemption under 10(13A). GST at any slab, added or extracted, split into CGST/SGST or IGST, with the September-2025 GST 2.0 schedule and examples per slab. Capital gains at post-July-2024 rates for listed equity and equity funds (with the ₹1.25 lakh exemption), debt funds, property, gold and unlisted shares. United States: federal income tax for 2025 and 2026 by filing status with standard (including the 65+ senior deduction) or itemized deductions, bracket breakdown, long-term capital gains stacked at 0/15/20%, Social Security and Medicare (employee or self-employment), marginal and effective rates. United Kingdom: income tax with the personal-allowance taper, basic/higher/additional bands, employee National Insurance, student loan by plan, pension contributions and monthly take-home for 2025/26 with frozen thresholds. A tables tool prints every number used.

What it is not

Not a tax return and not advice: credits (child tax credit, EITC), state and local taxes, AMT, Scottish bands, TDS timing, agricultural income, presumptive schemes, rebates for specific investments and every special case are out of scope. Rate tables are dated and bundled; if a Finance Act, IRS revenue procedure or HMRC update changes them, the tables need updating — the tax_slabs tool shows exactly what is in use.

Tools

India

income_tax_india — Indian income tax under the new regime, the old regime, or both compared — slab breakdown, 87A rebate, surcharge, cess, effective rate and monthly take-home. Use for "tax on 18 lakh new vs old", "is old regime better with 2 lakh home-loan interest and 1.5 lakh 80C". Args: gross_income, regime, age, salaried, deductions_old, employer_nps, other_exempt, year.

hra_exemption — HRA exemption under section 10(13A): the least of HRA received, rent minus 10% of salary, and 50%/40% of salary. Use for "HRA exemption: basic 60k/month, HRA 25k, rent 22k in Mumbai" (give annual figures). Args: basic, hra_received, rent_paid, da, metro.

gst_calc — Add or remove GST at a rate with the CGST/SGST or IGST split; or look up which slab common goods and services fall in under the September-2025 GST 2.0 schedule. Use for "GST on ₹1,200 at 18%", "price before GST of ₹5,900", "what is GST on cement now". Args: amount, rate, inclusive, interstate, lookup.

capital_gains_india — Capital-gains tax in India at post-July-2024 rates: equity/equity MF (20% STCG, 12.5% LTCG above ₹1.25 lakh), debt MF (slab), property/gold/unlisted (12.5% LTCG after 24 months, slab for STCG), with cess. Use for "tax on selling shares bought 3 years ago for 2 lakh, sold at 5 lakh". Args: asset, buy_price, sell_price, holding_months, expenses, other_ltcg_equity_used.

US & UK

income_tax_us — US federal income tax for 2025 or 2026 with bracket breakdown, standard vs itemized deduction, senior deduction, long-term gains at 0/15/20%, FICA or self-employment tax, marginal and effective rates. Federal only. Use for "federal tax on $120k single in 2026", "married filing jointly $200k with $10k gains". Args: income, filing_status, year, itemized_deductions, age65_count, self_employed, long_term_gains.

income_tax_uk — UK income tax (personal allowance with the £100k taper, basic/higher/additional bands), employee National Insurance, student loan by plan, pension contribution, and monthly take-home for 2025/26 (frozen thresholds). Use for "take-home on £55,000 with a plan 2 loan and 5% pension". Args: income, student_loan, pension_pct, scotland.

Reference

tax_slabs — The bundled rate tables: Indian new/old regime slabs, deductions, surcharge, capital-gains and GST schedule; US federal brackets, standard deductions and FICA for 2025 and 2026; UK bands, NI and student-loan thresholds. Args: country.

Conventions

• Read-only. Every tool reads public data or computes; nothing is written anywhere and nothing about the user is stored.
• Result envelope. ok: true with data, or ok: false with a structured error (bad_input, not_found, upstream_error). degraded lists optional sources that were unreachable.
• Rate limits. Free tier 60 tool calls/minute and 300/day per user (keyed on the user identifier supplied by the host agent, else client IP); Pro keys raise this. Over-limit calls return HTTP 429 with Retry-After. initialize and tools/list are never counted.

Support

agent@connectorbay.com · connectorbay.com/taxes/support

Taxes — Privacy Policy

Effective 23 September 2026. Unify Dynamics LLC ("we", "us"), Menlo Park, California.

What Taxes is. Taxes is a connector (an MCP server and REST API) that AI assistants and personal agents call on your behalf for tax estimates: Indian income tax, HRA and GST, capital gains, US federal income tax and UK income tax and National Insurance. You interact with your assistant; the assistant sends us only the income figures, deductions and options needed for the calculation.

What we receive. The arguments of each tool call (income amounts, deductions, filing status, age, asset prices and dates, a GST amount), the technical headers needed to serve the request (an IP address or a client identifier supplied by the assistant, and a Pro API key if you have one), and standard server logs.

Everything is computed on our server and nothing is stored. The rate tables are bundled files; the calculators are formulas. No request is forwarded to any third party. Income figures you send are used for that one answer and are not recorded, logged in request bodies or used to train anything. We never ask for a PAN, SSN, National Insurance number, name or account details.

What we do not receive or store. We do not receive your conversation with the assistant, your name, contacts, tax returns or identification numbers or any account credentials. Rate-limit counters (a client identifier and timestamps) are held in memory for at most 24 hours. Hosting-provider access logs, which contain IP addresses and request paths but not request bodies, are retained for up to 30 days for security and abuse prevention.

Sub-processors. None for lookups. Hosting: Vercel (United States regions).

Legal bases and your rights. For users in California, the EU/UK and elsewhere, our processing is necessary to provide the service you request through your assistant. Because we store no personal data beyond short-lived logs, requests to access, correct or delete personal data are usually satisfied automatically; you can still contact agent@connectorbay.com and we will respond within 30 days. We do not sell or share personal information and do not use your data to train models.

Children. Taxes is a general-audience service for adults; we knowingly collect no personal data from anyone.

Changes. We will post changes here with a new effective date.

Taxes — Terms of Service

Effective 23 September 2026. These terms govern use of the Taxes connector ("the Service") operated by Unify Dynamics LLC ("we", "us").

1. The Service. Taxes returns tax estimates — Indian income tax, HRA, GST and capital gains; US federal income tax and FICA; UK income tax and National Insurance — computed from bundled rate tables. It is accessed through an AI assistant or directly over MCP or HTTP.
2. Sources. Rate tables are compiled by Unify Dynamics LLC from the Finance Act 2025 and CBIC notifications (India), IRS revenue procedures and the One Big Beautiful Bill Act (US) and HMRC published rates (UK); the tax_slabs tool shows the tables in use and their dates.
3. Not tax advice. Results are estimates for planning and education. They omit credits, state and local taxes, special regimes and many individual circumstances, and rate tables may lag legislative changes. Consult a chartered accountant, CPA or qualified adviser and the official government calculators before filing or making decisions; Unify Dynamics LLC accepts no liability for tax outcomes.
4. Acceptable use. Do not use the Service to bulk-scrape the sources or to circumvent rate limits. Automated use within the published limits is welcome.
5. Availability. The Service is provided "as is" without warranty. We may change, limit or discontinue it at any time.
6. Data. Our Privacy Policy describes what we process. In short: your query is answered on our server and nothing is stored.
7. Attribution. Income Tax Department of India; CBIC; IRS; HMRC.
8. Pro keys. Optional Pro API keys are issued at our discretion, are personal to the holder and may be revoked for abuse.
9. Liability. To the fullest extent permitted by law, Unify Dynamics LLC is not liable for any loss arising from use of or reliance on the Service. Our total liability is limited to US $100.
10. Governing law. California law; venue in San Mateo County, California.
11. Contact. Unify Dynamics LLC · agent@connectorbay.com · https://connectorbay.com/taxes

Taxes support

Email agent@connectorbay.com. We answer within two business days.

• MCP endpoint: https://taxes.connectorbay.com/mcp
• REST API: https://taxes.connectorbay.com/openapi.json
• Live status: https://taxes.connectorbay.com/health

When you report a problem, include the question you asked your agent, roughly when, and which agent you used (for example Claude, ChatGPT or Gemini). Never send us passwords, account numbers or ID numbers. Taxes never asks for them.