{"id":1244832,"recorded_at":"2026-10-30T11:56:25.208748Z","observed_at":"2026-10-30T11:56:25.208671Z","subject_kind":"endpoint","subject":"4ac7c578-eb34-4cf1-99c1-37e76b67bfa5","kind":"mcp.tools","method":"probe.mcp/1","body":{"count":4,"tools":[{"description":"Calculates UK take-home pay for an employee in tax year 2025/26 or 2026/27 from HMRC's published rates: income tax by band (England, Wales and NI, or the six Scottish bands incl. the 2026/27 Scottish starter and basic bands), employee Class 1 National Insurance (8% / 2%), student loan repayments (Plan 1, 2, 4, 5 and Postgraduate, with 2026/27 thresholds), and pension by salary sacrifice or relief at source. Applies the Personal Allowance taper above £100,000 (£1 per £2, the 60% trap) and reads tax codes such as 1257L, S1257L, K475, BR and D0. Returns net pay a year, a month and a week. Figures copied from gov.uk and HMRC in Oct 2026.","inputSchema":{"$schema":"http://json-schema.org/draft-07/schema#","additionalProperties":false,"properties":{"gross_salary":{"description":"Annual gross salary in pounds (GBP), before any deductions.","maximum":100000000,"minimum":0,"type":"number"},"ni_category":{"description":"National Insurance category letter, default A. C = over State Pension age (no employee NI).","enum":["A","B","C","H","J","M","V","Z"],"type":"string"},"pension_amount":{"description":"Employee pension contribution in pounds a year (gross). Use this OR pension_percent.","maximum":100000000,"minimum":0,"type":"number"},"pension_method":{"description":"relief_at_source (you pay 80%, provider adds 20%, higher-rate relief claimed back) or salary_sacrifice (cuts pay before tax, NI and student loan). 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Copied from gov.uk and HMRC in Oct 2026.","inputSchema":{"$schema":"http://json-schema.org/draft-07/schema#","additionalProperties":false,"properties":{"region":{"description":"england, wales, northern_ireland, england_wales_ni or scotland.","enum":["england","wales","northern_ireland","england_wales_ni","scotland"],"type":"string"},"tax_year":{"description":"UK tax year: 2025/26 or 2026/27.","enum":["2025/26","2026/27"],"type":"string"}},"required":["tax_year","region"],"type":"object"},"name":"get_uk_tax_bands"},{"description":"Returns the true UK marginal rate on the next pounds of salary in 2025/26 or 2026/27: income tax band rate, employee NI and student loan together, plus the Personal Allowance taper between £100,000 and £125,140 that makes it 60% plus NI in England, Wales and NI and 67.5% plus NI in Scotland's advanced band. Handles salary sacrifice, relief at source, Scottish bands and tax codes. Measured as the change in deductions over the next `step` pounds (default £100). Rates from gov.uk and HMRC, fetched Oct 2026.","inputSchema":{"$schema":"http://json-schema.org/draft-07/schema#","additionalProperties":false,"properties":{"gross_salary":{"description":"Annual gross salary in pounds (GBP), before any deductions.","maximum":100000000,"minimum":0,"type":"number"},"ni_category":{"description":"National Insurance category letter, default A. C = over State Pension age (no employee NI).","enum":["A","B","C","H","J","M","V","Z"],"type":"string"},"pension_amount":{"description":"Employee pension contribution in pounds a year (gross). Use this OR pension_percent.","maximum":100000000,"minimum":0,"type":"number"},"pension_method":{"description":"relief_at_source (you pay 80%, provider adds 20%, higher-rate relief claimed back) or salary_sacrifice (cuts pay before tax, NI and student loan). 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