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Car loan interest deduction MCP server

The 2025-2028 car loan interest deduction, the new SALT cap and the 2026 brackets, worked out from IRS forms.

Connect free Source on GitHub

Free. No key, no sign-in, no paid tier. 4 tools.

Connector URL

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

Paste it as a custom connector in Claude, or add it to Claude Code, Cursor or VS Code. Setup for each is below.

What it knows that a model does not

A model answers from training data. This server reads the source when you ask.

  • The car loan interest deduction began in tax year 2025, after most models were trained. You can take it without itemizing.
  • Only new vehicles assembled in the US qualify, the loan must start after December 31, 2024, and the phase-out rounds up as Schedule 1-A does.
  • The SALT cap is $40,000 for 2025 and $40,400 for 2026, and the 2026 standard deduction is $16,100 single and $32,200 joint.

Sources IRS Schedule 1-A, Notice 2025-57, Rev. Proc. 2025-32 and P.L. 119-21.

Tools (4)

Read from the live server with tools/list on 2026-11-02.

ToolWhat it does
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...
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...
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.
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...

Connect it

One URL, no token. Pick your app.

Claude.ai and Claude Desktop

Open Settings, then Connectors, then Add custom connector. Paste the URL. Leave the OAuth fields empty. Save.

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

Claude Code

Run this in your terminal. Then run claude mcp list to check it.

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

Cursor

Merge this into ~/.cursor/mcp.json (all projects) or .cursor/mcp.json (one project).

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

VS Code

Put this in .vscode/mcp.json. The top key is servers, not mcpServers.

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

Things to ask

Paste one into a new chat after you connect.

Sourcegithub.com/theluckystrike/car-loan-interest-deduction-calculator-mcp Web calculatorTaxBreakCalc

Questions

Is the car loan interest deduction MCP server free?
Yes. The hosted URL is free and needs no token, key or account. The source is open on GitHub.
Why not just ask the model?
A model answers from its training data. That data stops at a cutoff date, and long sums can drift. This server reads its data or rules each time you ask, so the answer is current and exact.
Where does the data come from?
IRS Schedule 1-A, Notice 2025-57, Rev. Proc. 2025-32 and P.L. 119-21.
Which apps can use it?
Any MCP client that accepts a remote server URL: Claude.ai and Claude Desktop custom connectors, Claude Code, Cursor, VS Code and others. You can also run it locally with npx.

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