Koskamo

Netwise Paycheck Calculator MCP

Calculates 2026 take-home pay by applying IRS Publication 15-T federal withholding, FICA, state taxes, and pre-tax deductions to salary or hourly wages. It supports side-by-side scenario comparisons and exports results as PDF estimates or CSV files.

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Netwise Paycheck Calculator MCP logo, by ZovoCommunity listingStreamable HTTPNo sign-inEndpoint checked 2026-11-01Published by Zovo
MCP endpoint (Streamable HTTP)
https://paycheck-calculator.zovo.one/mcp
Vendor documentation

What you can do with it

  • Calculate 2026 take-home pay for a specific salary and state
  • Compare two job offers in different states side by side
  • Download a PDF estimate or CSV of paycheck details

Source and maintenance

Community listingRegistry 1.0.0
mcp-registry: io.github.theluckystrike/paycheck-calculator@1.0.0Project website

Protocol and capabilities

Server
paycheck-calculator 1.0.0
MCP protocol
2025-06-18
Tools
3 advertised
Resources
1 advertised
Resource templates
1 advertised
Prompts
Not advertised
Server-advertised capabilities
{
  "tools": {
    "listChanged": true
  },
  "resources": {
    "listChanged": true
  }
}

Server-provided instructions

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

Netwise Paycheck Calculator estimates 2026 US paychecks: federal income tax withholding (IRS Pub. 15-T 2026 percentage method), Social Security, Medicare, state income tax and state payroll taxes, and net pay per check and per year. Call calculate_paycheck for one job, compare_paychecks for two scenarios (job offers in two states, a 401(k) change), and calculate_gross_up to find the salary needed for a target take-home. Results are estimates, never pay stubs.

Tools

3 advertised

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

Use this when the user asks 'how much is my paycheck after taxes', wants a paycheck calculator or take home pay calculator for a US job in 2026, or asks what a salary or hourly wage is after tax (e.g. '85k salary after taxes in California', 'what is 75000 a year biweekly after taxes', '$22 an hour 40 hours', 'how much tax comes out of my paycheck'). Computes federal income tax withholding with the IRS Pub. 15-T 2026 percentage method and Form W-4 inputs, Social Security, Medicare, Additional Medicare, state income tax and state payroll taxes (e.g. CA SDI, NJ FLI, WA Cares), pre-tax 401(k)/HSA/health premiums, net pay per check and per year, and effective rates. Returns a PDF estimate and a CSV with one row per 2026 paycheck. Does not run payroll, file tax returns, or produce pay stubs. Do not use to make a pay stub or proof of income.

calculate_paycheck input schema
{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "properties": {
    "label": {
      "type": "string",
      "maxLength": 40,
      "description": "Short name for this scenario, e.g. 'Austin offer' or '401k at 10%'."
    },
    "state": {
      "type": "string",
      "maxLength": 60,
      "description": "US state where you work and live, as a code or name, e.g. CA, Texas, New Jersey, NYC. Omit for federal only."
    },
    "locality": {
      "type": "string",
      "maxLength": 40,
      "description": "Optional local tax area where the state supports it, e.g. nyc, yonkers, philadelphia, or a Maryland or Indiana county such as montgomery or marion."
    },
    "hourly_rate": {
      "type": "number",
      "description": "Hourly wage in USD, e.g. 22 for $22 an hour. Combine with hours_per_week."
    },
    "k401_percent": {
      "type": "number",
      "description": "Traditional (pre-tax) 401(k) or 403(b) contribution as a percent of gross pay, e.g. 6 for 6%."
    },
    "annual_salary": {
      "type": "number",
      "description": "Yearly salary before taxes in USD, e.g. 85000. Give this, or hourly_rate, or gross_per_paycheck."
    },
    "filing_status": {
      "enum": [
        "single",
        "married",
        "head_of_household"
      ],
      "type": "string",
      "description": "Form W-4 Step 1(c) filing status: single (or married filing separately, default), married (filing jointly), head_of_household."
    },
    "pay_frequency": {
      "enum": [
        "weekly",
        "biweekly",
        "semimonthly",
        "monthly"
      ],
      "type": "string",
      "description": "How often you are paid: weekly (52), biweekly (26, every two weeks, default), semimonthly (24, twice a month), monthly (12)."
    },
    "hours_per_week": {
      "type": "number",
      "description": "Regular hours worked per week for hourly pay, e.g. 40. Defaults to 40."
    },
    "w4_step3_amount": {
      "type": "number",
      "description": "Total dollar amount on W-4 Step 3 (dependents and other credits), e.g. 4400."
    },
    "hsa_per_paycheck": {
      "type": "number",
      "description": "HSA contribution through payroll per paycheck in USD, e.g. 75."
    },
    "other_dependents": {
      "type": "integer",
      "maximum": 9007199254740991,
      "minimum": -9007199254740991,
      "description": "Other dependents for W-4 Step 3 ($500 each), e.g. 1."
    },
    "state_allowances": {
      "type": "integer",
      "maximum": 9007199254740991,
      "minimum": -9007199254740991,
      "description": "Allowances or exemptions claimed on the state withholding form (state W-4), e.g. 1. Defaults depend on the state."
    },
    "w4_step2_checked": {
      "type": "boolean",
      "description": "True if the Form W-4 Step 2 box is checked (two jobs, or married and the spouse also works). Default false."
    },
    "children_under_17": {
      "type": "integer",
      "maximum": 9007199254740991,
      "minimum": -9007199254740991,
      "description": "Qualifying children under 17 for W-4 Step 3 ($2,200 each in 2026), e.g. 2. Ignored if w4_step3_amount is given."
    },
    "k401_per_paycheck": {
      "type": "number",
      "description": "Traditional 401(k) contribution in dollars per paycheck, e.g. 200. Use instead of k401_percent."
    },
    "roth_401k_percent": {
      "type": "number",
      "description": "Roth 401(k) (after-tax) contribution as a percent of gross pay, e.g. 4."
    },
    "gross_per_paycheck": {
      "type": "number",
      "description": "Gross pay per paycheck in USD before any deductions, e.g. 3200. Use instead of a salary or hourly rate."
    },
    "overtime_multiplier": {
      "type": "number",
      "description": "Overtime pay multiplier, e.g. 1.5 for time-and-a-half (default) or 2 for double time."
    },
    "state_filing_status": {
      "type": "string",
      "maxLength": 30,
      "description": "State withholding form status when it differs from the federal one, e.g. NJ 'B', CT 'A', AZ '2.0' (percent). Usually omit."
    },
    "w4_step4b_deductions": {
      "type": "number",
      "description": "W-4 Step 4(b) deductions per year, e.g. 5000."
    },
    "w4_step4a_other_income": {
      "type": "number",
      "description": "W-4 Step 4(a) other income per year (not from jobs), e.g. 2000."
    },
    "overtime_hours_per_week": {
      "type": "number",
      "description": "Overtime hours per week paid at overtime_multiplier, e.g. 5. Defaults to 0."
    },
    "claim_overtime_deduction": {
      "type": "boolean",
      "description": "True to add the 2026 qualified overtime deduction (the 'half' of time-and-a-half, up to $12,500 or $25,000 married) to W-4 Step 4(b), as the 2026 W-4 worksheet allows. Needs hourly_rate and overtime hours."
    },
    "w4_step4c_extra_withholding": {
      "type": "number",
      "description": "W-4 Step 4(c) extra federal withholding per paycheck, e.g. 50."
    },
    "ytd_gross_before_this_check": {
      "type": "number",
      "description": "Gross pay already received from this job earlier in 2026, e.g. 150000. Only matters near the Social Security wage base or the $200,000 Additional Medicare threshold."
    },
    "state_additional_withholding": {
      "type": "number",
      "description": "Extra state withholding per paycheck in USD, e.g. 20."
    },
    "health_insurance_per_paycheck": {
      "type": "number",
      "description": "Pre-tax (section 125) health, dental and vision premiums and FSA per paycheck in USD, e.g. 120."
    }
  },
  "additionalProperties": false
}
calculate_paycheck output schema
{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "label",
    "state",
    "state_supported",
    "state_method",
    "pay_frequency",
    "checks_per_year",
    "gross_per_check",
    "net_per_check",
    "gross_per_year",
    "net_per_year",
    "taxes_per_check",
    "taxes_per_year",
    "lines",
    "effective_tax_rate",
    "effective_federal_rate",
    "effective_state_rate",
    "federal_bracket",
    "notes",
    "downloads"
  ],
  "properties": {
    "label": {
      "type": "string"
    },
    "lines": {
      "type": "array",
      "items": {
        "type": "object",
        "required": [
          "label",
          "kind",
          "per_check",
          "per_year"
        ],
        "properties": {
          "kind": {
            "type": "string"
          },
          "label": {
            "type": "string"
          },
          "per_year": {
            "type": "number"
          },
          "per_check": {
            "type": "number"
          }
        },
        "additionalProperties": false
      }
    },
    "notes": {
      "type": "array",
      "items": {
        "type": "string"
      }
    },
    "state": {
      "type": [
        "string",
        "null"
      ]
    },
    "downloads": {
      "type": "object",
      "required": [
        "pdf",
        "csv"
      ],
      "properties": {
        "csv": {
          "type": "string"
        },
        "pdf": {
          "type": "string"
        }
      },
      "additionalProperties": false
    },
    "net_per_year": {
      "type": "number"
    },
    "state_method": {
      "type": "string"
    },
    "net_per_check": {
      "type": "number"
    },
    "pay_frequency": {
      "type": "string"
    },
    "gross_per_year": {
      "type": "number"
    },
    "taxes_per_year": {
      "type": "number"
    },
    "checks_per_year": {
      "type": "number"
    },
    "federal_bracket": {
      "type": "number"
    },
    "gross_per_check": {
      "type": "number"
    },
    "state_supported": {
      "type": "boolean"
    },
    "taxes_per_check": {
      "type": "number"
    },
    "effective_tax_rate": {
      "type": "number"
    },
    "effective_state_rate": {
      "type": [
        "number",
        "null"
      ]
    },
    "effective_federal_rate": {
      "type": "number"
    }
  },
  "additionalProperties": false
}
calculate_paycheck annotations
{
  "title": "Calculate take-home pay",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
compare_paychecks — Compare two paychecks
Advertised by the server during the last successful anonymous check.
Advertised read-only

Use this when the user wants to compare take-home pay for two US paycheck scenarios in 2026 side by side: 'should I take the job in Texas or California after taxes', two job offers in different states or cities, a raise, a different pay frequency, or 'how much more per paycheck if I raise my 401k to 10%'. Give scenario a in full and scenario b with only the fields that change (everything else is copied from a). Returns both breakdowns (federal withholding, FICA, state taxes, net per check and per year) and the difference, plus a side-by-side PDF and a CSV. Does not compare cost of living, benefits, or run payroll.

compare_paychecks input schema
{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "properties": {
    "a": {
      "type": "object",
      "properties": {
        "label": {
          "type": "string",
          "maxLength": 40,
          "description": "Short name for this scenario, e.g. 'Austin offer' or '401k at 10%'."
        },
        "state": {
          "type": "string",
          "maxLength": 60,
          "description": "US state where you work and live, as a code or name, e.g. CA, Texas, New Jersey, NYC. Omit for federal only."
        },
        "locality": {
          "type": "string",
          "maxLength": 40,
          "description": "Optional local tax area where the state supports it, e.g. nyc, yonkers, philadelphia, or a Maryland or Indiana county such as montgomery or marion."
        },
        "hourly_rate": {
          "type": "number",
          "description": "Hourly wage in USD, e.g. 22 for $22 an hour. Combine with hours_per_week."
        },
        "k401_percent": {
          "type": "number",
          "description": "Traditional (pre-tax) 401(k) or 403(b) contribution as a percent of gross pay, e.g. 6 for 6%."
        },
        "annual_salary": {
          "type": "number",
          "description": "Yearly salary before taxes in USD, e.g. 85000. Give this, or hourly_rate, or gross_per_paycheck."
        },
        "filing_status": {
          "enum": [
            "single",
            "married",
            "head_of_household"
          ],
          "type": "string",
          "description": "Form W-4 Step 1(c) filing status: single (or married filing separately, default), married (filing jointly), head_of_household."
        },
        "pay_frequency": {
          "enum": [
            "weekly",
            "biweekly",
            "semimonthly",
            "monthly"
          ],
          "type": "string",
          "description": "How often you are paid: weekly (52), biweekly (26, every two weeks, default), semimonthly (24, twice a month), monthly (12)."
        },
        "hours_per_week": {
          "type": "number",
          "description": "Regular hours worked per week for hourly pay, e.g. 40. Defaults to 40."
        },
        "w4_step3_amount": {
          "type": "number",
          "description": "Total dollar amount on W-4 Step 3 (dependents and other credits), e.g. 4400."
        },
        "hsa_per_paycheck": {
          "type": "number",
          "description": "HSA contribution through payroll per paycheck in USD, e.g. 75."
        },
        "other_dependents": {
          "type": "integer",
          "maximum": 9007199254740991,
          "minimum": -9007199254740991,
          "description": "Other dependents for W-4 Step 3 ($500 each), e.g. 1."
        },
        "state_allowances": {
          "type": "integer",
          "maximum": 9007199254740991,
          "minimum": -9007199254740991,
          "description": "Allowances or exemptions claimed on the state withholding form (state W-4), e.g. 1. Defaults depend on the state."
        },
        "w4_step2_checked": {
          "type": "boolean",
          "description": "True if the Form W-4 Step 2 box is checked (two jobs, or married and the spouse also works). Default false."
        },
        "children_under_17": {
          "type": "integer",
          "maximum": 9007199254740991,
          "minimum": -9007199254740991,
          "description": "Qualifying children under 17 for W-4 Step 3 ($2,200 each in 2026), e.g. 2. Ignored if w4_step3_amount is given."
        },
        "k401_per_paycheck": {
          "type": "number",
          "description": "Traditional 401(k) contribution in dollars per paycheck, e.g. 200. Use instead of k401_percent."
        },
        "roth_401k_percent": {
          "type": "number",
          "description": "Roth 401(k) (after-tax) contribution as a percent of gross pay, e.g. 4."
        },
        "gross_per_paycheck": {
          "type": "number",
          "description": "Gross pay per paycheck in USD before any deductions, e.g. 3200. Use instead of a salary or hourly rate."
        },
        "overtime_multiplier": {
          "type": "number",
          "description": "Overtime pay multiplier, e.g. 1.5 for time-and-a-half (default) or 2 for double time."
        },
        "state_filing_status": {
          "type": "string",
          "maxLength": 30,
          "description": "State withholding form status when it differs from the federal one, e.g. NJ 'B', CT 'A', AZ '2.0' (percent). Usually omit."
        },
        "w4_step4b_deductions": {
          "type": "number",
          "description": "W-4 Step 4(b) deductions per year, e.g. 5000."
        },
        "w4_step4a_other_income": {
          "type": "number",
          "description": "W-4 Step 4(a) other income per year (not from jobs), e.g. 2000."
        },
        "overtime_hours_per_week": {
          "type": "number",
          "description": "Overtime hours per week paid at overtime_multiplier, e.g. 5. Defaults to 0."
        },
        "claim_overtime_deduction": {
          "type": "boolean",
          "description": "True to add the 2026 qualified overtime deduction (the 'half' of time-and-a-half, up to $12,500 or $25,000 married) to W-4 Step 4(b), as the 2026 W-4 worksheet allows. Needs hourly_rate and overtime hours."
        },
        "w4_step4c_extra_withholding": {
          "type": "number",
          "description": "W-4 Step 4(c) extra federal withholding per paycheck, e.g. 50."
        },
        "ytd_gross_before_this_check": {
          "type": "number",
          "description": "Gross pay already received from this job earlier in 2026, e.g. 150000. Only matters near the Social Security wage base or the $200,000 Additional Medicare threshold."
        },
        "state_additional_withholding": {
          "type": "number",
          "description": "Extra state withholding per paycheck in USD, e.g. 20."
        },
        "health_insurance_per_paycheck": {
          "type": "number",
          "description": "Pre-tax (section 125) health, dental and vision premiums and FSA per paycheck in USD, e.g. 120."
        }
      },
      "description": "Scenario A in full, e.g. {annual_salary: 95000, state: 'TX', pay_frequency: 'biweekly', label: 'Austin'}.",
      "additionalProperties": false
    },
    "b": {
      "type": "object",
      "properties": {
        "label": {
          "anyOf": [
            {
              "type": "string",
              "maxLength": 40
            },
            {
              "type": "null"
            }
          ],
          "description": "Short name for this scenario, e.g. 'Austin offer' or '401k at 10%'."
        },
        "state": {
          "anyOf": [
            {
              "type": "string",
              "maxLength": 60
            },
            {
              "type": "null"
            }
          ],
          "description": "US state where you work and live, as a code or name, e.g. CA, Texas, New Jersey, NYC. Omit for federal only."
        },
        "locality": {
          "anyOf": [
            {
              "type": "string",
              "maxLength": 40
            },
            {
              "type": "null"
            }
          ],
          "description": "Optional local tax area where the state supports it, e.g. nyc, yonkers, philadelphia, or a Maryland or Indiana county such as montgomery or marion."
        },
        "hourly_rate": {
          "type": [
            "number",
            "null"
          ],
          "description": "Hourly wage in USD, e.g. 22 for $22 an hour. Combine with hours_per_week."
        },
        "k401_percent": {
          "type": [
            "number",
            "null"
          ],
          "description": "Traditional (pre-tax) 401(k) or 403(b) contribution as a percent of gross pay, e.g. 6 for 6%."
        },
        "annual_salary": {
          "type": [
            "number",
            "null"
          ],
          "description": "Yearly salary before taxes in USD, e.g. 85000. Give this, or hourly_rate, or gross_per_paycheck."
        },
        "filing_status": {
          "anyOf": [
            {
              "enum": [
                "single",
                "married",
                "head_of_household"
              ],
              "type": "string"
            },
            {
              "type": "null"
            }
          ],
          "description": "Form W-4 Step 1(c) filing status: single (or married filing separately, default), married (filing jointly), head_of_household."
        },
        "pay_frequency": {
          "anyOf": [
            {
              "enum": [
                "weekly",
                "biweekly",
                "semimonthly",
                "monthly"
              ],
              "type": "string"
            },
            {
              "type": "null"
            }
          ],
          "description": "How often you are paid: weekly (52), biweekly (26, every two weeks, default), semimonthly (24, twice a month), monthly (12)."
        },
        "hours_per_week": {
          "type": [
            "number",
            "null"
          ],
          "description": "Regular hours worked per week for hourly pay, e.g. 40. Defaults to 40."
        },
        "w4_step3_amount": {
          "type": [
            "number",
            "null"
          ],
          "description": "Total dollar amount on W-4 Step 3 (dependents and other credits), e.g. 4400."
        },
        "hsa_per_paycheck": {
          "type": [
            "number",
            "null"
          ],
          "description": "HSA contribution through payroll per paycheck in USD, e.g. 75."
        },
        "other_dependents": {
          "anyOf": [
            {
              "type": "integer",
              "maximum": 9007199254740991,
              "minimum": -9007199254740991
            },
            {
              "type": "null"
            }
          ],
          "description": "Other dependents for W-4 Step 3 ($500 each), e.g. 1."
        },
        "state_allowances": {
          "anyOf": [
            {
              "type": "integer",
              "maximum": 9007199254740991,
              "minimum": -9007199254740991
            },
            {
              "type": "null"
            }
          ],
          "description": "Allowances or exemptions claimed on the state withholding form (state W-4), e.g. 1. Defaults depend on the state."
        },
        "w4_step2_checked": {
          "type": [
            "boolean",
            "null"
          ],
          "description": "True if the Form W-4 Step 2 box is checked (two jobs, or married and the spouse also works). Default false."
        },
        "children_under_17": {
          "anyOf": [
            {
              "type": "integer",
              "maximum": 9007199254740991,
              "minimum": -9007199254740991
            },
            {
              "type": "null"
            }
          ],
          "description": "Qualifying children under 17 for W-4 Step 3 ($2,200 each in 2026), e.g. 2. Ignored if w4_step3_amount is given."
        },
        "k401_per_paycheck": {
          "type": [
            "number",
            "null"
          ],
          "description": "Traditional 401(k) contribution in dollars per paycheck, e.g. 200. Use instead of k401_percent."
        },
        "roth_401k_percent": {
          "type": [
            "number",
            "null"
          ],
          "description": "Roth 401(k) (after-tax) contribution as a percent of gross pay, e.g. 4."
        },
        "gross_per_paycheck": {
          "type": [
            "number",
            "null"
          ],
          "description": "Gross pay per paycheck in USD before any deductions, e.g. 3200. Use instead of a salary or hourly rate."
        },
        "overtime_multiplier": {
          "type": [
            "number",
            "null"
          ],
          "description": "Overtime pay multiplier, e.g. 1.5 for time-and-a-half (default) or 2 for double time."
        },
        "state_filing_status": {
          "anyOf": [
            {
              "type": "string",
              "maxLength": 30
            },
            {
              "type": "null"
            }
          ],
          "description": "State withholding form status when it differs from the federal one, e.g. NJ 'B', CT 'A', AZ '2.0' (percent). Usually omit."
        },
        "w4_step4b_deductions": {
          "type": [
            "number",
            "null"
          ],
          "description": "W-4 Step 4(b) deductions per year, e.g. 5000."
        },
        "w4_step4a_other_income": {
          "type": [
            "number",
            "null"
          ],
          "description": "W-4 Step 4(a) other income per year (not from jobs), e.g. 2000."
        },
        "overtime_hours_per_week": {
          "type": [
            "number",
            "null"
          ],
          "description": "Overtime hours per week paid at overtime_multiplier, e.g. 5. Defaults to 0."
        },
        "claim_overtime_deduction": {
          "type": [
            "boolean",
            "null"
          ],
          "description": "True to add the 2026 qualified overtime deduction (the 'half' of time-and-a-half, up to $12,500 or $25,000 married) to W-4 Step 4(b), as the 2026 W-4 worksheet allows. Needs hourly_rate and overtime hours."
        },
        "w4_step4c_extra_withholding": {
          "type": [
            "number",
            "null"
          ],
          "description": "W-4 Step 4(c) extra federal withholding per paycheck, e.g. 50."
        },
        "ytd_gross_before_this_check": {
          "type": [
            "number",
            "null"
          ],
          "description": "Gross pay already received from this job earlier in 2026, e.g. 150000. Only matters near the Social Security wage base or the $200,000 Additional Medicare threshold."
        },
        "state_additional_withholding": {
          "type": [
            "number",
            "null"
          ],
          "description": "Extra state withholding per paycheck in USD, e.g. 20."
        },
        "health_insurance_per_paycheck": {
          "type": [
            "number",
            "null"
          ],
          "description": "Pre-tax (section 125) health, dental and vision premiums and FSA per paycheck in USD, e.g. 120."
        }
      },
      "description": "Scenario B: only the fields that differ from A, e.g. {annual_salary: 110000, state: 'NY', locality: 'nyc', label: 'NYC'}. Set a field to null to remove it from B.",
      "additionalProperties": false
    }
  }
}
compare_paychecks output schema
{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "a",
    "b",
    "difference",
    "notes",
    "downloads"
  ],
  "properties": {
    "a": {
      "type": "object",
      "required": [
        "label",
        "state",
        "state_supported",
        "state_method",
        "pay_frequency",
        "checks_per_year",
        "gross_per_check",
        "net_per_check",
        "gross_per_year",
        "net_per_year",
        "taxes_per_check",
        "taxes_per_year",
        "lines",
        "effective_tax_rate",
        "effective_federal_rate",
        "effective_state_rate",
        "federal_bracket"
      ],
      "properties": {
        "label": {
          "type": "string"
        },
        "lines": {
          "type": "array",
          "items": {
            "type": "object",
            "required": [
              "label",
              "kind",
              "per_check",
              "per_year"
            ],
            "properties": {
              "kind": {
                "type": "string"
              },
              "label": {
                "type": "string"
              },
              "per_year": {
                "type": "number"
              },
              "per_check": {
                "type": "number"
              }
            },
            "additionalProperties": false
          }
        },
        "state": {
          "type": [
            "string",
            "null"
          ]
        },
        "net_per_year": {
          "type": "number"
        },
        "state_method": {
          "type": "string"
        },
        "net_per_check": {
          "type": "number"
        },
        "pay_frequency": {
          "type": "string"
        },
        "gross_per_year": {
          "type": "number"
        },
        "taxes_per_year": {
          "type": "number"
        },
        "checks_per_year": {
          "type": "number"
        },
        "federal_bracket": {
          "type": "number"
        },
        "gross_per_check": {
          "type": "number"
        },
        "state_supported": {
          "type": "boolean"
        },
        "taxes_per_check": {
          "type": "number"
        },
        "effective_tax_rate": {
          "type": "number"
        },
        "effective_state_rate": {
          "type": [
            "number",
            "null"
          ]
        },
        "effective_federal_rate": {
          "type": "number"
        }
      },
      "additionalProperties": false
    },
    "b": {
      "type": "object",
      "required": [
        "label",
        "state",
        "state_supported",
        "state_method",
        "pay_frequency",
        "checks_per_year",
        "gross_per_check",
        "net_per_check",
        "gross_per_year",
        "net_per_year",
        "taxes_per_check",
        "taxes_per_year",
        "lines",
        "effective_tax_rate",
        "effective_federal_rate",
        "effective_state_rate",
        "federal_bracket"
      ],
      "properties": {
        "label": {
          "type": "string"
        },
        "lines": {
          "type": "array",
          "items": {
            "type": "object",
            "required": [
              "label",
              "kind",
              "per_check",
              "per_year"
            ],
            "properties": {
              "kind": {
                "type": "string"
              },
              "label": {
                "type": "string"
              },
              "per_year": {
                "type": "number"
              },
              "per_check": {
                "type": "number"
              }
            },
            "additionalProperties": false
          }
        },
        "state": {
          "type": [
            "string",
            "null"
          ]
        },
        "net_per_year": {
          "type": "number"
        },
        "state_method": {
          "type": "string"
        },
        "net_per_check": {
          "type": "number"
        },
        "pay_frequency": {
          "type": "string"
        },
        "gross_per_year": {
          "type": "number"
        },
        "taxes_per_year": {
          "type": "number"
        },
        "checks_per_year": {
          "type": "number"
        },
        "federal_bracket": {
          "type": "number"
        },
        "gross_per_check": {
          "type": "number"
        },
        "state_supported": {
          "type": "boolean"
        },
        "taxes_per_check": {
          "type": "number"
        },
        "effective_tax_rate": {
          "type": "number"
        },
        "effective_state_rate": {
          "type": [
            "number",
            "null"
          ]
        },
        "effective_federal_rate": {
          "type": "number"
        }
      },
      "additionalProperties": false
    },
    "notes": {
      "type": "array",
      "items": {
        "type": "string"
      }
    },
    "downloads": {
      "type": "object",
      "required": [
        "pdf",
        "csv"
      ],
      "properties": {
        "csv": {
          "type": "string"
        },
        "pdf": {
          "type": "string"
        }
      },
      "additionalProperties": false
    },
    "difference": {
      "type": "object",
      "required": [
        "net_per_check",
        "net_per_year",
        "taxes_per_year",
        "gross_per_year"
      ],
      "properties": {
        "net_per_year": {
          "type": "number"
        },
        "net_per_check": {
          "type": "number"
        },
        "gross_per_year": {
          "type": "number"
        },
        "taxes_per_year": {
          "type": "number"
        }
      },
      "additionalProperties": false
    }
  },
  "additionalProperties": false
}
compare_paychecks annotations
{
  "title": "Compare two paychecks",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
calculate_gross_up — Find salary for a take-home target
Advertised by the server during the last successful anonymous check.
Advertised read-only

Use this when the user knows the take-home pay they want and asks what salary or hourly rate they need in 2026, e.g. 'what salary do I need to take home $5,000 a month in New Jersey' or 'gross up $2,000 net biweekly'. Solves for the gross pay whose net pay after federal withholding, FICA, state taxes and the given deductions meets the target, using the same 2026 rules as calculate_paycheck. Returns the annual salary, the gross per check, the hourly equivalent if hours_per_week is given, and the full breakdown. Does not gross up bonuses or supplemental wages.

calculate_gross_up input schema
{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "properties": {
    "label": {
      "type": "string",
      "maxLength": 40,
      "description": "Short name for this scenario, e.g. 'Austin offer' or '401k at 10%'."
    },
    "state": {
      "type": "string",
      "maxLength": 60,
      "description": "US state where you work and live, as a code or name, e.g. CA, Texas, New Jersey, NYC. Omit for federal only."
    },
    "locality": {
      "type": "string",
      "maxLength": 40,
      "description": "Optional local tax area where the state supports it, e.g. nyc, yonkers, philadelphia, or a Maryland or Indiana county such as montgomery or marion."
    },
    "k401_percent": {
      "type": "number",
      "description": "Traditional (pre-tax) 401(k) or 403(b) contribution as a percent of gross pay, e.g. 6 for 6%."
    },
    "filing_status": {
      "enum": [
        "single",
        "married",
        "head_of_household"
      ],
      "type": "string",
      "description": "Form W-4 Step 1(c) filing status: single (or married filing separately, default), married (filing jointly), head_of_household."
    },
    "pay_frequency": {
      "enum": [
        "weekly",
        "biweekly",
        "semimonthly",
        "monthly"
      ],
      "type": "string",
      "description": "How often you are paid: weekly (52), biweekly (26, every two weeks, default), semimonthly (24, twice a month), monthly (12)."
    },
    "hours_per_week": {
      "type": "number",
      "description": "Regular hours worked per week for hourly pay, e.g. 40. Defaults to 40."
    },
    "w4_step3_amount": {
      "type": "number",
      "description": "Total dollar amount on W-4 Step 3 (dependents and other credits), e.g. 4400."
    },
    "hsa_per_paycheck": {
      "type": "number",
      "description": "HSA contribution through payroll per paycheck in USD, e.g. 75."
    },
    "other_dependents": {
      "type": "integer",
      "maximum": 9007199254740991,
      "minimum": -9007199254740991,
      "description": "Other dependents for W-4 Step 3 ($500 each), e.g. 1."
    },
    "state_allowances": {
      "type": "integer",
      "maximum": 9007199254740991,
      "minimum": -9007199254740991,
      "description": "Allowances or exemptions claimed on the state withholding form (state W-4), e.g. 1. Defaults depend on the state."
    },
    "w4_step2_checked": {
      "type": "boolean",
      "description": "True if the Form W-4 Step 2 box is checked (two jobs, or married and the spouse also works). Default false."
    },
    "children_under_17": {
      "type": "integer",
      "maximum": 9007199254740991,
      "minimum": -9007199254740991,
      "description": "Qualifying children under 17 for W-4 Step 3 ($2,200 each in 2026), e.g. 2. Ignored if w4_step3_amount is given."
    },
    "roth_401k_percent": {
      "type": "number",
      "description": "Roth 401(k) (after-tax) contribution as a percent of gross pay, e.g. 4."
    },
    "state_filing_status": {
      "type": "string",
      "maxLength": 30,
      "description": "State withholding form status when it differs from the federal one, e.g. NJ 'B', CT 'A', AZ '2.0' (percent). Usually omit."
    },
    "target_net_per_year": {
      "type": "number",
      "description": "Wanted take-home pay per year in USD, e.g. 60000. Use instead of target_net_per_paycheck."
    },
    "w4_step4b_deductions": {
      "type": "number",
      "description": "W-4 Step 4(b) deductions per year, e.g. 5000."
    },
    "w4_step4a_other_income": {
      "type": "number",
      "description": "W-4 Step 4(a) other income per year (not from jobs), e.g. 2000."
    },
    "target_net_per_paycheck": {
      "type": "number",
      "description": "Wanted take-home pay per paycheck in USD, e.g. 2000."
    },
    "w4_step4c_extra_withholding": {
      "type": "number",
      "description": "W-4 Step 4(c) extra federal withholding per paycheck, e.g. 50."
    },
    "ytd_gross_before_this_check": {
      "type": "number",
      "description": "Gross pay already received from this job earlier in 2026, e.g. 150000. Only matters near the Social Security wage base or the $200,000 Additional Medicare threshold."
    },
    "state_additional_withholding": {
      "type": "number",
      "description": "Extra state withholding per paycheck in USD, e.g. 20."
    },
    "health_insurance_per_paycheck": {
      "type": "number",
      "description": "Pre-tax (section 125) health, dental and vision premiums and FSA per paycheck in USD, e.g. 120."
    }
  },
  "additionalProperties": false
}
calculate_gross_up output schema
{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "label",
    "state",
    "state_supported",
    "state_method",
    "pay_frequency",
    "checks_per_year",
    "gross_per_check",
    "net_per_check",
    "gross_per_year",
    "net_per_year",
    "taxes_per_check",
    "taxes_per_year",
    "lines",
    "effective_tax_rate",
    "effective_federal_rate",
    "effective_state_rate",
    "federal_bracket",
    "annual_salary_needed",
    "hourly_rate_needed",
    "target_net_per_check",
    "notes",
    "downloads"
  ],
  "properties": {
    "label": {
      "type": "string"
    },
    "lines": {
      "type": "array",
      "items": {
        "type": "object",
        "required": [
          "label",
          "kind",
          "per_check",
          "per_year"
        ],
        "properties": {
          "kind": {
            "type": "string"
          },
          "label": {
            "type": "string"
          },
          "per_year": {
            "type": "number"
          },
          "per_check": {
            "type": "number"
          }
        },
        "additionalProperties": false
      }
    },
    "notes": {
      "type": "array",
      "items": {
        "type": "string"
      }
    },
    "state": {
      "type": [
        "string",
        "null"
      ]
    },
    "downloads": {
      "type": "object",
      "required": [
        "pdf",
        "csv"
      ],
      "properties": {
        "csv": {
          "type": "string"
        },
        "pdf": {
          "type": "string"
        }
      },
      "additionalProperties": false
    },
    "net_per_year": {
      "type": "number"
    },
    "state_method": {
      "type": "string"
    },
    "net_per_check": {
      "type": "number"
    },
    "pay_frequency": {
      "type": "string"
    },
    "gross_per_year": {
      "type": "number"
    },
    "taxes_per_year": {
      "type": "number"
    },
    "checks_per_year": {
      "type": "number"
    },
    "federal_bracket": {
      "type": "number"
    },
    "gross_per_check": {
      "type": "number"
    },
    "state_supported": {
      "type": "boolean"
    },
    "taxes_per_check": {
      "type": "number"
    },
    "effective_tax_rate": {
      "type": "number"
    },
    "hourly_rate_needed": {
      "type": [
        "number",
        "null"
      ]
    },
    "annual_salary_needed": {
      "type": "number"
    },
    "effective_state_rate": {
      "type": [
        "number",
        "null"
      ]
    },
    "target_net_per_check": {
      "type": "number"
    },
    "effective_federal_rate": {
      "type": "number"
    }
  },
  "additionalProperties": false
}
calculate_gross_up annotations
{
  "title": "Find salary for a take-home target",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

Prompts

Not advertised

No prompt definitions available.

Resources

1 advertised

paycheck-calculator-widget — Netwise Paycheck Calculator view

Advertised by the server during the last successful anonymous check.

Interactive view for Netwise Paycheck Calculator.

paycheck-calculator-widget URI
ui://widget/paycheck-calculator-v1-1.0.0-60af57705610b6f984287edbea9540aa945cf97a6f85fa3d49484cffb8874591.html

MIME type: text/html;profile=mcp-app

paycheck-calculator-widget-legacy — Netwise Paycheck Calculator view (previous versions)

Advertised by the server during the last successful anonymous check.

paycheck-calculator-widget-legacy URI template
ui://widget/paycheck-calculator-{version}.html

MIME type: text/html;profile=mcp-app

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
839 ms
95th percentile latency
839 ms

Maintenance history

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

  • · probe · passed · 839 ms · metadata changed · 3 tool(s), 1 resource(s), 1 resource template(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 netwise-paycheck-calculator-mcp https://paycheck-calculator.zovo.one/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 netwise-paycheck-calculator-mcp --url https://paycheck-calculator.zovo.one/mcp

Cursor

Merge this server into .cursor/mcp.json in your project, then enable netwise-paycheck-calculator-mcp in your MCP settings.
Cursor configuration
{
  "mcpServers": {
    "netwise-paycheck-calculator-mcp": {
      "url": "https://paycheck-calculator.zovo.one/mcp"
    }
  }
}

Cline

Merge this into cline_mcp_settings.json (Cline → MCP Servers → Configure).
Cline configuration
{
  "mcpServers": {
    "netwise-paycheck-calculator-mcp": {
      "type": "streamableHttp",
      "url": "https://paycheck-calculator.zovo.one/mcp",
      "disabled": false
    }
  }
}

VS Code

Merge this server into .vscode/mcp.json. Use MCP: List Servers to start netwise-paycheck-calculator-mcp and inspect its tools.
VS Code configuration
{
  "servers": {
    "netwise-paycheck-calculator-mcp": {
      "type": "http",
      "url": "https://paycheck-calculator.zovo.one/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 netwise-paycheck-calculator-mcp https://paycheck-calculator.zovo.one/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": {
    "netwise-paycheck-calculator-mcp": {
      "url": "https://paycheck-calculator.zovo.one/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": {
    "netwise-paycheck-calculator-mcp": {
      "serverUrl": "https://paycheck-calculator.zovo.one/mcp"
    }
  }
}

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