# CALINTAX
> India's automated foreign tax filing and financial planning platform for investors.
> URL: https://calintax.com

## What is CALINTAX?
CALINTAX automates ITR-2 tax schedule generation for Indian investors who hold
foreign securities through Interactive Brokers (IBKR). It also provides a
comprehensive loan EMI calculator and curated tax guides.

## MCP Server (Model Context Protocol)
CALINTAX exposes a full MCP server for AI assistants, agents, and developer tools.

- MCP Endpoint: https://calintax.com/mcp
- Discovery: https://calintax.com/.well-known/mcp.json
- Transport: Streamable HTTP (JSON-RPC 2.0)
- Protocol Version: 2025-03-26

### Available MCP Tools
- calculate_emi         — Compute monthly EMI, total interest, total payment for any loan
- simulate_prepayment   — Model extra monthly payments: months saved, interest saved
- get_home_loan_tax_benefit — Estimate Section 24(b) + 80C deductions (Old Tax Regime)
- list_tax_guides       — List all available knowledge guides
- get_guide_content     — Read full text of a guide (rule-115, schedule-fa, form-67, home-loan-tax)
- get_site_capabilities — Overview of all CALINTAX features and pricing

### MCP Resources (readable content)
- calintax://guides/rule-115       Rule 115 SBI TTBR Currency Conversion
- calintax://guides/schedule-fa    Schedule FA (Foreign Assets) ITR-2 Guide
- calintax://guides/form-67        Form 67 & US WHT Foreign Tax Credit Guide
- calintax://guides/home-loan-tax  Home Loan Tax Benefits Section 24b & 80C
- calintax://site/overview         Full site capability overview

## Core Platform Features

### 1. IBKR ITR Report Generation (https://calintax.com/ibkr)
Upload Interactive Brokers Activity Statement CSV files and receive a
complete ready-to-file Excel workbook:
- Schedule FA (Table A2 + Table A3) — Foreign Asset Disclosures
- Schedule CG — Capital Gains with FIFO lot matching
- Schedule FSI — Foreign Source Income (dividends, interest)
- Schedule TR — Tax Relief computation
- Form 67 — Foreign Tax Credit (FTC) on US withholding tax
- Rule 115 SBI TTBR conversion applied automatically
- Supports Assessment Year 2025-26 and 2026-27
- Pricing: Rs 499 one-time per assessment year

### 2. EMI Calculator (https://calintax.com/emicalculator)
Advanced loan calculator for Home, Car, Personal, Education, and Business loans:
- Monthly EMI calculation (reducing-balance formula)
- Prepayment simulator (extra monthly, annual lump sum, one-time bonus)
- Full amortization schedule (monthly and yearly views)
- Section 24(b) and 80C home loan tax shield estimator
- CSV export and print layout
- 5 quick presets

### 3. Tax & Investment Guides (https://calintax.com/#guides)
- Rule 115 & SBI TTBR Currency Conversion
- Schedule FA (Foreign Assets) Complete Guide
- Form 67 & US Withholding Tax FTC Relief
- Home Loan Tax Benefits (Section 24b & 80C)

## Key Technical Facts
- Rule 115: Foreign income → INR using SBI TTBR of last day of preceding month
- FIFO: Buy lots matched in first-in-first-out order for capital gains
- DTAA: India-US Double Tax Avoidance Agreement Section 90 / Article 25
- STCG: Holding <= 730 days → Short-term capital gains (slab rate)
- LTCG: Holding > 730 days → Long-term capital gains (12.5% flat from FY 2024-25)
- Form 67: Must be filed online at incometax.gov.in before ITR due date

## Contact & Support
- Support: calintax.care@gmail.com
- Sitemap: https://calintax.com/sitemap.xml
- MCP Discovery: https://calintax.com/.well-known/mcp.json

## MCP Quick Start Example
    POST https://calintax.com/mcp
    Content-Type: application/json

    {"jsonrpc":"2.0","method":"initialize","params":{"protocolVersion":"2025-03-26","clientInfo":{"name":"my-agent","version":"1.0"}},"id":1}

    POST https://calintax.com/mcp
    Content-Type: application/json

    {"jsonrpc":"2.0","method":"tools/call","params":{"name":"calculate_emi","arguments":{"principal":5000000,"annual_rate":8.5,"tenure_months":240}},"id":2}