statetakehome-mcp
A Model Context Protocol (MCP) server that puts a full US paycheck-tax engine directly at your AI assistant's fingertips: federal brackets, all 50 states + DC, FICA, self-employment tax, and capital gains — all for the 2026 tax year, and all sourced from the same engine that powers statetakehome.com.
Why it's different: most take-home-pay calculators stop at "gross minus taxes." This one also understands the 2026 OBBBA (One Big Beautiful Bill Act) landscape — the current-year federal brackets and thresholds it ships with already reflect the post-OBBBA baseline, so estimates stay accurate as the rules that shaped the 2026 tax year continue to roll out.
Quick Start
No installation needed — run it with npx.
Claude Desktop / Claude Code
Add to your MCP config (claude_desktop_config.json or .mcp.json):
{
"mcpServers": {
"statetakehome": {
"command": "npx",
"args": ["-y", "statetakehome-mcp"]
}
}
}
Cursor
Add to .cursor/mcp.json:
{
"mcpServers": {
"statetakehome": {
"command": "npx",
"args": ["-y", "statetakehome-mcp"]
}
}
}
Restart your client and the three tools below become available.
Tools
1. us_take_home_pay
Net pay for a US W-2 employee: federal income tax, state income tax (all 50 states + DC), Social Security, Medicare, Additional Medicare, and state-specific extras (CA SDI, OR transit tax, etc.). Handles pre-tax 401(k) and health-insurance deductions and returns a per-paycheck breakdown for every pay frequency.
Example call:
{
"gross": 75000,
"state": "CA",
"filingStatus": "single"
}
Response (abridged, from the live engine):
{
"result": {
"gross": 75000,
"federalTax": 7670,
"stateTax": 2940.85,
"socialSecurity": 4650,
"medicare": 1087.5,
"totalTax": 17323.35,
"takeHome": 57676.65,
"effectiveRate": 0.2310,
"perPaycheck": { "biweekly": 2218.33, "monthly": 4806.39 }
}
}
The same input with "state": "TX" (no state income tax) returns stateTax: 0 and takeHome: 61592.5 — $3,915.85 higher on the same gross pay.
2. self_employment_tax
Schedule SE self-employment tax (15.3% on 92.35% of net profit, split into the Social Security and Medicare portions), the 0.9% Additional Medicare surtax, federal income tax, an optional state income tax, and a quarterly estimated-payment figure.
Example call:
{
"netProfit": 90000,
"filingStatus": "single",
"state": "TX"
}
Response (abridged, from the live engine):
{
"result": {
"netProfit": 90000,
"seTax": 12716.6,
"seTaxDeduction": 6358.3,
"federalIncomeTax": 9571.17,
"totalTax": 22287.77,
"quarterlyEstimate": 5571.94,
"setAsidePct": 0.2477
}
}
3. capital_gains_tax
Federal capital gains tax — long-term stacked 0%/15%/20% bands or short-term ordinary rates — plus the 3.8% Net Investment Income Tax (NIIT) above the MAGI threshold, and an optional state estimate (most states tax gains as ordinary income).
Example call:
{
"gain": 50000,
"ordinaryTaxableIncome": 80000,
"filingStatus": "single",
"term": "long"
}
Response (abridged, from the live engine):
{
"result": {
"gain": 50000,
"taxableGain": 50000,
"federalTax": 7500,
"niit": 0,
"totalTax": 7500,
"netProceeds": 42500,
"ltcgRate": 0.15
}
}
Data & Methodology
- Tax year: 2026.
- Federal brackets & standard deduction: IRS Rev. Proc. 2025-32.
- State brackets & standard deductions: Tax Foundation — State Individual Income Tax Rates and Brackets, as of January 1, 2026, cross-checked against individual state Departments of Revenue.
- FICA: current Social Security wage base and Medicare rates, including the 0.9% Additional Medicare surtax.
- Capital gains: long-term bands and the NIIT threshold per Rev. Proc. 2025-32, cross-checked against Tax Foundation and Schwab.
- Every response includes a
sourceblock naming the underlying publication and areference_urlpointing to the matching calculator on the live site for further reading and methodology notes:
The calculation code in this package is the same engine that runs statetakehome.com, kept in sync by hand — it is not a reimplementation.
Disclaimer
This tool produces estimates for planning purposes only. It is not tax advice. Tax situations vary; consult a licensed CPA or tax professional before making financial decisions.
License
MIT © tresor4k