Koskamo

Paycheck Calculator MCP

An MCP server that provides AI assistants with a take-home pay calculator for tax years 2025 and 2026. It calculates net pay per period and per year, including federal income tax, Social Security, Medicare, and state income tax for all 50 states and DC. It also supports comparing take-home pay across states, converting salary to hourly rates, and retrieving federal tax brackets.

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.

Paycheck Calculator MCP logo, by theluckystrikeCommunity listingStreamable HTTPNo sign-inEndpoint checked 2026-11-01Published by theluckystrike
MCP endpoint (Streamable HTTP)
https://paycheck-calculator-mcp.lipmichal.workers.dev/mcp
Vendor documentation

What you can do with it

  • Calculate net pay per period and per year including federal, Social Security, Medicare, and state taxes
  • Compare take-home pay across 2 to 10 states ranked by net income
  • Convert annual salary to hourly, weekly, biweekly, semimonthly, and monthly gross pay
  • Retrieve exact 2025 or 2026 federal tax brackets and standard deductions

Source and maintenance

Community listingRegistry 1.0.0
mcp-registry: io.github.theluckystrike/paycheck-calculator-mcp@1.0.0Source repositoryProject website
Maintenance checked

Protocol and capabilities

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

Tools

5 advertised

calculate_take_home_pay — Paycheck calculator: take-home pay
Advertised by the server during the last successful anonymous check.
Advertised read-only

Calculates take-home (net) pay for a US employee in any of the 50 states or DC for tax year 2025 or 2026: federal income tax from the IRS Rev. Proc. 2024-40 / 2025-32 bracket tables with the One Big Beautiful Bill Act standard deduction ($15,750 single for 2025, $16,100 for 2026), Social Security with the wage base ($176,100 in 2025, $184,500 in 2026), Medicare plus the 0.9% Additional Medicare tax, and state income tax. State tax is exact from each state's 2026 schedule for CA, NY, NJ, IL, PA, GA, NC; other states return a labeled effective-rate estimate (method: "estimate"). Handles pre-tax 401(k) (not FICA-exempt) and payroll HSA (FICA-exempt), and Pennsylvania/New Jersey rules that tax 401(k) or HSA money. Returns per-period and annual figures. Local taxes (NYC etc.) are out of scope. Figures copied from irs.gov and state revenue sites in Oct 2026.

calculate_take_home_pay input schema
{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "state",
    "filing_status",
    "tax_year"
  ],
  "properties": {
    "state": {
      "type": "string",
      "maxLength": 40,
      "minLength": 2,
      "description": "US state or DC: two-letter code (CA), name (California) or slug (new-york)."
    },
    "tax_year": {
      "enum": [
        2025,
        2026
      ],
      "type": "number",
      "description": "Tax year: 2025 or 2026."
    },
    "hsa_annual": {
      "type": "number",
      "maximum": 100000000,
      "minimum": 0,
      "description": "HSA contribution through payroll (cafeteria plan) for the year in USD. Lowers income tax, Social Security and Medicare."
    },
    "gross_annual": {
      "type": "number",
      "maximum": 100000000,
      "minimum": 0,
      "description": "Gross annual pay in USD before any deduction. Give this OR gross_per_period."
    },
    "filing_status": {
      "enum": [
        "single",
        "married_filing_jointly",
        "married_filing_separately",
        "head_of_household"
      ],
      "type": "string",
      "description": "Federal filing status. Qualifying surviving spouse uses married_filing_jointly."
    },
    "pay_frequency": {
      "enum": [
        "weekly",
        "biweekly",
        "semimonthly",
        "monthly",
        "quarterly",
        "annual"
      ],
      "type": "string",
      "description": "Pay frequency: weekly (52), biweekly (26, default), semimonthly (24), monthly (12), quarterly (4) or annual (1)."
    },
    "gross_per_period": {
      "type": "number",
      "maximum": 100000000,
      "minimum": 0,
      "description": "Gross pay for one pay period in USD. Multiplied by the periods in pay_frequency."
    },
    "pretax_401k_annual": {
      "type": "number",
      "maximum": 100000000,
      "minimum": 0,
      "description": "Traditional (pre-tax) 401(k) deferral for the year in USD. Lowers income tax, not FICA. Leave out for Roth."
    },
    "pretax_401k_percent": {
      "type": "number",
      "maximum": 100,
      "minimum": 0,
      "description": "Traditional 401(k) deferral as a percent of gross (e.g. 6). Use instead of pretax_401k_annual."
    }
  },
  "additionalProperties": false
}
calculate_take_home_pay annotations
{
  "title": "Paycheck calculator: take-home pay",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
compare_states_take_home — Compare take-home pay across states
Advertised by the server during the last successful anonymous check.
Advertised read-only

Runs the same gross pay through 2 to 10 states (or DC) and ranks them by annual take-home pay for tax year 2025 or 2026, showing state income tax, the method for each state (exact 2026 schedule for CA, NY, NJ, IL, PA, GA, NC; labeled estimate elsewhere; no wage income tax in AK, FL, NV, NH, SD, TN, TX, WA, WY) and how far each trails the best. Federal tax and FICA use the IRS 2025/2026 tables and wage base. Use it for relocation and remote-work offers.

compare_states_take_home input schema
{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "states",
    "filing_status",
    "tax_year"
  ],
  "properties": {
    "states": {
      "type": "array",
      "items": {
        "type": "string",
        "maxLength": 40,
        "minLength": 2,
        "description": "US state or DC: two-letter code (CA), name (California) or slug (new-york)."
      },
      "maxItems": 10,
      "minItems": 2,
      "description": "2 to 10 states, e.g. [\"CA\", \"TX\", \"NY\"]."
    },
    "tax_year": {
      "enum": [
        2025,
        2026
      ],
      "type": "number",
      "description": "Tax year: 2025 or 2026."
    },
    "hsa_annual": {
      "type": "number",
      "maximum": 100000000,
      "minimum": 0,
      "description": "HSA contribution through payroll (cafeteria plan) for the year in USD. Lowers income tax, Social Security and Medicare."
    },
    "gross_annual": {
      "type": "number",
      "maximum": 100000000,
      "minimum": 0,
      "description": "Gross annual pay in USD before any deduction. Give this OR gross_per_period."
    },
    "filing_status": {
      "enum": [
        "single",
        "married_filing_jointly",
        "married_filing_separately",
        "head_of_household"
      ],
      "type": "string",
      "description": "Federal filing status. Qualifying surviving spouse uses married_filing_jointly."
    },
    "pay_frequency": {
      "enum": [
        "weekly",
        "biweekly",
        "semimonthly",
        "monthly",
        "quarterly",
        "annual"
      ],
      "type": "string",
      "description": "Pay frequency: weekly (52), biweekly (26, default), semimonthly (24), monthly (12), quarterly (4) or annual (1)."
    },
    "gross_per_period": {
      "type": "number",
      "maximum": 100000000,
      "minimum": 0,
      "description": "Gross pay for one pay period in USD. Multiplied by the periods in pay_frequency."
    },
    "pretax_401k_annual": {
      "type": "number",
      "maximum": 100000000,
      "minimum": 0,
      "description": "Traditional (pre-tax) 401(k) deferral for the year in USD. Lowers income tax, not FICA. Leave out for Roth."
    },
    "pretax_401k_percent": {
      "type": "number",
      "maximum": 100,
      "minimum": 0,
      "description": "Traditional 401(k) deferral as a percent of gross (e.g. 6). Use instead of pretax_401k_annual."
    }
  },
  "additionalProperties": false
}
compare_states_take_home annotations
{
  "title": "Compare take-home pay across states",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
salary_to_hourly — Salary to hourly rate
Advertised by the server during the last successful anonymous check.
Advertised read-only

Converts an annual salary to an hourly rate and to weekly, biweekly (26), semimonthly (24) and monthly gross pay. Defaults: 40 hours a week, 52 weeks (2,080 hours). Gross pay only; use calculate_take_home_pay for net.

salary_to_hourly input schema
{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "annual_salary"
  ],
  "properties": {
    "annual_salary": {
      "type": "number",
      "maximum": 100000000,
      "minimum": 0,
      "description": "Gross annual salary in USD."
    },
    "hours_per_week": {
      "type": "number",
      "maximum": 168,
      "description": "Paid hours per week (default 40).",
      "exclusiveMinimum": 0
    },
    "weeks_per_year": {
      "type": "number",
      "maximum": 53,
      "description": "Paid weeks per year (default 52; paid vacation still counts).",
      "exclusiveMinimum": 0
    }
  },
  "additionalProperties": false
}
salary_to_hourly annotations
{
  "title": "Salary to hourly rate",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
hourly_to_salary — Hourly rate to annual salary
Advertised by the server during the last successful anonymous check.
Advertised read-only

Converts an hourly wage to weekly, monthly and annual gross pay, with optional weekly overtime hours at a multiplier (1.5 by default). Defaults: 40 hours a week, 52 weeks. Gross pay only; use calculate_take_home_pay for net.

hourly_to_salary input schema
{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "hourly_rate"
  ],
  "properties": {
    "hourly_rate": {
      "type": "number",
      "maximum": 1000000,
      "minimum": 0,
      "description": "Hourly wage in USD."
    },
    "hours_per_week": {
      "type": "number",
      "maximum": 168,
      "description": "Regular hours per week (default 40).",
      "exclusiveMinimum": 0
    },
    "weeks_per_year": {
      "type": "number",
      "maximum": 53,
      "description": "Paid weeks per year (default 52).",
      "exclusiveMinimum": 0
    },
    "overtime_multiplier": {
      "type": "number",
      "maximum": 5,
      "minimum": 1,
      "description": "Overtime pay multiplier (default 1.5)."
    },
    "overtime_hours_per_week": {
      "type": "number",
      "maximum": 128,
      "minimum": 0,
      "description": "Overtime hours per week (default 0)."
    }
  },
  "additionalProperties": false
}
hourly_to_salary annotations
{
  "title": "Hourly rate to annual salary",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
get_federal_tax_brackets — Federal income tax brackets and standard deduction
Advertised by the server during the last successful anonymous check.
Advertised read-only

Returns the exact federal income tax brackets (rate, lower and upper bound, tax on lower brackets) and standard deduction for tax year 2025 or 2026 and a filing status, from IRS Rev. Proc. 2024-40 and Rev. Proc. 2025-32, including the One Big Beautiful Bill Act (P.L. 119-21) standard deduction increase for 2025 ($15,750 / $31,500 / $23,625). Also returns the Social Security wage base and Medicare thresholds for that year.

get_federal_tax_brackets input schema
{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "tax_year",
    "filing_status"
  ],
  "properties": {
    "tax_year": {
      "enum": [
        2025,
        2026
      ],
      "type": "number",
      "description": "Tax year: 2025 or 2026."
    },
    "filing_status": {
      "enum": [
        "single",
        "married_filing_jointly",
        "married_filing_separately",
        "head_of_household"
      ],
      "type": "string",
      "description": "Federal filing status. Qualifying surviving spouse uses married_filing_jointly."
    }
  },
  "additionalProperties": false
}
get_federal_tax_brackets annotations
{
  "title": "Federal income tax brackets and standard deduction",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

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
696 ms
95th percentile latency
696 ms

Maintenance history

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

  • · probe · passed · 696 ms · metadata changed · 5 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 paycheck-calculator-mcp https://paycheck-calculator-mcp.lipmichal.workers.dev/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 paycheck-calculator-mcp --url https://paycheck-calculator-mcp.lipmichal.workers.dev/mcp

Cursor

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

Cline

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

VS Code

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

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