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Can Claude calculate my take-home pay?

It gets close, but the small numbers drift. A paycheck needs the 2026 federal brackets, the standard deduction, the Social Security wage base and the state schedule, and several of those changed after most models were trained. Over a long calculation Claude can also round or slip a digit. Connect the free Paycheck Calculator server and Claude runs the exact 2025 or 2026 tables for federal tax, FICA and all 50 states plus DC.

Connect free, no token Paycheck calculator MCP server

What Claude does alone, and what needs the server

Claude on its own

  • Explains brackets, FICA and pre-tax deductions.
  • Gives a rough estimate from memory.

With the Paycheck Calculator server

  • The 2026 IRS brackets, standard deduction and $184,500 wage base.
  • Exact 2026 state schedules for CA, NY, NJ, IL, PA, GA and NC, estimates for the rest.
  • Per-paycheck results for weekly, biweekly, semimonthly and monthly pay.

A real call to the live server

We sent this to the hosted server on 2026-11-03. The answer below is the server's own text, not a mock-up. Live values will differ when you ask.

You ask

I got an offer of $92,000 a year, paid biweekly, single, in North Carolina, with 6% to a 401(k). What is my take-home per check in 2026?

Tool call

calculate_take_home_pay {"state":"NC","filing_status":"single","tax_year":2026,"gross_annual":92000,"pay_frequency":"biweekly","pretax_401k_percent":6}

Server answer

North Carolina, single, 2026: gross $92,000.00 a year ($3,538.46 biweekly). Federal income tax $10,195.60 on taxable income $70,380.00 after the $16,100.00 standard deduction (marginal 22%). Social Security $5,704.00 (6.2% up to the $184,500.00 wage base), Medicare $1,334.00. State income tax $2,941.83 (exact 2026 schedule). Take-home $66,304.57 a year, $2,550.18 per biweekly paycheck; effective tax rate 21.93%.

Connect it in 1 minute

One URL, no token, no account. In Claude.ai or Claude Desktop open Settings, then Connectors, then Add custom connector, and paste the URL.

Connector URL

https://paycheck-calculator-mcp.lipmichal.workers.dev/mcp

Claude Code

claude mcp add --transport http paycheck-calculator https://paycheck-calculator-mcp.lipmichal.workers.dev/mcp

Cursor (~/.cursor/mcp.json)

{
  "mcpServers": {
    "paycheck-calculator": {
      "url": "https://paycheck-calculator-mcp.lipmichal.workers.dev/mcp"
    }
  }
}

VS Code (.vscode/mcp.json)

{
  "servers": {
    "paycheck-calculator": {
      "type": "http",
      "url": "https://paycheck-calculator-mcp.lipmichal.workers.dev/mcp"
    }
  }
}

All 5 tools, sources and more prompts: Paycheck calculator MCP server · StateWage

Questions

Can Claude calculate my take-home pay?
It gets close, but the small numbers drift. A paycheck needs the 2026 federal brackets, the standard deduction, the Social Security wage base and the state schedule, and several of those changed after most models were trained. Over a long calculation Claude can also round or slip a digit. Connect the free Paycheck Calculator server and Claude runs the exact 2025 or 2026 tables for federal tax, FICA and all 50 states plus DC.
Is this my exact withholding?
No. It estimates annual tax on wages with the standard deduction and no credits. Your employer withholds from your W-4, which can differ.
Are local taxes included?
No. City and county taxes such as NYC, Ohio cities and Pennsylvania EIT, and state payroll taxes such as CA SDI, are left out and the answer says so.
Is the server free?
Yes. The Paycheck Calculator server is free at its hosted URL with no token, key or account. The source is open on GitHub.

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