Koskamo

Estimate My Paycheck MCP

An official MCP server that calculates US take-home pay, including federal, FICA, and state taxes for all 50 states and DC. It provides tools to calculate individual paychecks, compare salaries across states, and estimate bonus tax withholding using the same methodology as the main website.

Visit Estimate My Paycheck

Endpoint and access

No sign-in to connect and list tools. Individual tools may still need a vendor account, credentials, or permissions; check the documented prerequisites.

Estimate My Paycheck MCP logo, by Estimate My PaycheckVendor evidenceStreamable HTTPNo sign-inEndpoint checked 2026-11-01Operated by Estimate My Paycheck
MCP endpoint (Streamable HTTP)
https://estimatemypaycheck.com/api/mcp
Vendor documentation

What you can do with it

  • Calculate take-home pay for a specific state and salary
  • Compare net salary across all 50 states and DC
  • Estimate tax withholding for bonus checks

Source and maintenance

Vendor evidenceRegistry 1.0.0
mcp-registry: com.estimatemypaycheck/paycheck@1.0.0Project website

Protocol and capabilities

Server
estimatemypaycheck 1.0.0
MCP protocol
2025-06-18
Tools
3 advertised
Resources
Not advertised
Resource templates
Not advertised
Prompts
Not advertised
Server-advertised capabilities
{
  "tools": {}
}

Server-provided instructions

Untrusted server output shown for inspection. It is not Koskamo guidance and is excluded from knowledge search.

Free API and MCP server for US take-home pay in 2026: federal income tax, Social Security, Medicare, state income tax and state payroll levies (SDI, PFML) for the 50 states and DC, per paycheck and per year, plus a 51-state comparison and the bonus check after the 22% supplemental withholding. No key, CORS open. Estimates, not tax advice. Every tool is read-only and deterministic. Human documentation: https://estimatemypaycheck.com/paycheck-api/

Tools

3 advertised

calculate_paycheck — Calculate take-home pay
Advertised by the server during the last successful anonymous check.
Advertised read-only

Compute a US paycheck for 2026: gross, each tax and pre-tax deduction, and take-home pay per paycheck and per year, for a salary or an hourly rate (overtime over 40 hours at 1.5 times) in any state or DC. Federal withholding follows the annual tax on wages; local city and county taxes are not included (the answer names them when material).

calculate_paycheck input schema
{
  "type": "object",
  "required": [
    "state"
  ],
  "properties": {
    "state": {
      "type": "string",
      "example": "CA",
      "description": "Two-letter state code or name: TX, CA, new-york, DC."
    },
    "salary": {
      "type": "number",
      "example": 60000,
      "description": "Annual gross salary in dollars. Give this or hourly_rate."
    },
    "residency": {
      "enum": [
        "resident",
        "nonresident",
        "student"
      ],
      "type": "string",
      "example": "resident",
      "description": "resident (default), nonresident (e.g. H-1B first year: taxed as single), student (F/J/M/Q nonresident: no FICA)."
    },
    "hourly_rate": {
      "type": "number",
      "example": 25,
      "description": "Hourly rate in dollars, instead of salary."
    },
    "k401_percent": {
      "type": "number",
      "example": 5,
      "description": "Pre-tax 401(k) contribution, percent of gross. Default 0."
    },
    "filing_status": {
      "enum": [
        "single",
        "joint",
        "head"
      ],
      "type": "string",
      "example": "single",
      "description": "Default single."
    },
    "pay_frequency": {
      "enum": [
        "weekly",
        "biweekly",
        "semimonthly",
        "monthly"
      ],
      "type": "string",
      "example": "biweekly",
      "description": "Default biweekly."
    },
    "hours_per_week": {
      "type": "number",
      "example": 40,
      "description": "Hours a week with hourly_rate (over 40 paid at 1.5 times). Default 40."
    },
    "health_per_paycheck": {
      "type": "number",
      "example": 0,
      "description": "Pre-tax health premium per paycheck, dollars. Default 0."
    }
  },
  "additionalProperties": false
}
calculate_paycheck annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true
}
compare_states — Compare take-home pay in every state
Advertised by the server during the last successful anonymous check.
Advertised read-only

Take-home pay for the same salary in the 50 states and DC in 2026, sorted from the highest. Useful to answer "which state lets me keep the most" or to price a move.

compare_states input schema
{
  "type": "object",
  "required": [
    "salary"
  ],
  "properties": {
    "salary": {
      "type": "number",
      "example": 60000,
      "description": "Annual gross salary in dollars. Give this or hourly_rate."
    },
    "k401_percent": {
      "type": "number",
      "example": 5,
      "description": "Pre-tax 401(k) contribution, percent of gross. Default 0."
    },
    "filing_status": {
      "enum": [
        "single",
        "joint",
        "head"
      ],
      "type": "string",
      "example": "single",
      "description": "Default single."
    },
    "pay_frequency": {
      "enum": [
        "weekly",
        "biweekly",
        "semimonthly",
        "monthly"
      ],
      "type": "string",
      "example": "biweekly",
      "description": "Default biweekly."
    }
  },
  "additionalProperties": false
}
compare_states annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true
}
calculate_bonus_tax — Bonus after taxes
Advertised by the server during the last successful anonymous check.
Advertised read-only

What a bonus check pays after the flat 22% federal supplemental withholding, FICA and state tax, and how much of the federal withholding comes back (or is still owed) at tax time, on top of a salary, 2026 rules (IRS Pub. 15).

calculate_bonus_tax input schema
{
  "type": "object",
  "required": [
    "state",
    "bonus",
    "salary"
  ],
  "properties": {
    "bonus": {
      "type": "number",
      "example": 5000,
      "description": "Bonus in dollars."
    },
    "state": {
      "type": "string",
      "example": "CA",
      "description": "Two-letter state code or name: TX, CA, new-york, DC."
    },
    "salary": {
      "type": "number",
      "example": 60000,
      "description": "Annual gross salary in dollars. Give this or hourly_rate."
    },
    "filing_status": {
      "enum": [
        "single",
        "joint",
        "head"
      ],
      "type": "string",
      "example": "single",
      "description": "Default single."
    }
  },
  "additionalProperties": false
}
calculate_bonus_tax annotations
{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true
}

Prompts

Not advertised

No prompt definitions available.

Resources

Not advertised

No resource definitions available.

30-day availability

Aggregated from read-only remote checks; this is not a tool-execution or security guarantee.

Successful checks
1 of 1 (100%)
Average latency
242 ms
95th percentile latency
242 ms

Maintenance history

Public check and source-refresh events. Editorial and ownership records remain private.

  • · probe · passed · 242 ms · metadata changed · 3 tool(s)

Connect from your client

Each snippet registers the same endpoint; pick the client you use.

This server is operated by the named third party. Listing and endpoint checks are not an endorsement or a security audit. Review the operator's permissions, terms, and data handling before connecting. How listings are checked and corrected.

Claude Code

Run this once in a terminal. It registers the remote server. Use --scope project to write .mcp.json for the repo.
Claude Code configuration
claude mcp add --transport http estimate-my-paycheck-mcp https://estimatemypaycheck.com/api/mcp

Codex

Run this once. Codex stores MCP servers in ~/.codex/config.toml (or .codex/config.toml in a trusted project).
Codex configuration
codex mcp add estimate-my-paycheck-mcp --url https://estimatemypaycheck.com/api/mcp

Cursor

Merge this server into .cursor/mcp.json in your project, then enable estimate-my-paycheck-mcp in your MCP settings.
Cursor configuration
{
  "mcpServers": {
    "estimate-my-paycheck-mcp": {
      "url": "https://estimatemypaycheck.com/api/mcp"
    }
  }
}

Cline

Merge this into cline_mcp_settings.json (Cline → MCP Servers → Configure).
Cline configuration
{
  "mcpServers": {
    "estimate-my-paycheck-mcp": {
      "type": "streamableHttp",
      "url": "https://estimatemypaycheck.com/api/mcp",
      "disabled": false
    }
  }
}

VS Code

Merge this server into .vscode/mcp.json. Use MCP: List Servers to start estimate-my-paycheck-mcp and inspect its tools.
VS Code configuration
{
  "servers": {
    "estimate-my-paycheck-mcp": {
      "type": "http",
      "url": "https://estimatemypaycheck.com/api/mcp"
    }
  }
}

Gemini CLI

Run this once. It writes .gemini/settings.json in the current project; pass --scope user for ~/.gemini/settings.json.
Gemini CLI configuration
gemini mcp add --transport http estimate-my-paycheck-mcp https://estimatemypaycheck.com/api/mcp

Claude Desktop

Merge this into claude_desktop_config.json (macOS: ~/Library/Application Support/Claude/, Windows: %APPDATA%\Claude\), then restart Claude Desktop.
Claude Desktop configuration
{
  "mcpServers": {
    "estimate-my-paycheck-mcp": {
      "url": "https://estimatemypaycheck.com/api/mcp"
    }
  }
}

Windsurf

Merge this into ~/.codeium/windsurf/mcp_config.json, then refresh MCP in Cascade. Windsurf remote servers use serverUrl, not url.
Windsurf configuration
{
  "mcpServers": {
    "estimate-my-paycheck-mcp": {
      "serverUrl": "https://estimatemypaycheck.com/api/mcp"
    }
  }
}

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