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Paycheck calculator MCP server

US take-home pay for 2025 and 2026, federal and all 50 states plus DC.

Free. No key, no sign-in, no paid tier. 5 tools.

Connector URL

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

Paste it as a custom connector in Claude, or add it to Claude Code, Cursor or VS Code. Setup for each is below.

What it knows that a model does not

A model answers from training data. This server reads the source when you ask.

  • The 2026 IRS bracket tables and the mid-2025 standard deduction change ($15,750 single for 2025).
  • Social Security, Medicare and the extra Medicare tax, per paycheck.
  • Exact 2026 state schedules for CA, NY, NJ, IL, PA, GA and NC. Other states are labeled as estimates.

Sources IRS Rev. Proc. 2024-40 and 2025-32, IRS Publication 15, and state tax agency tables.

Tools (5)

Read from the live server with tools/list on 2026-11-02.

ToolWhat it does
calculate_take_home_pay Paycheck calculator: take-home pay. 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.
compare_states_take_home Compare take-home pay across states. 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...
salary_to_hourly Salary to hourly rate. 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).
hourly_to_salary Hourly rate to annual salary. 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.
get_federal_tax_brackets Federal income tax brackets and standard deduction. 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.

Connect it

One URL, no token. Pick your app.

Claude.ai and Claude Desktop

Open Settings, then Connectors, then Add custom connector. Paste the URL. Leave the OAuth fields empty. Save.

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

Claude Code

Run this in your terminal. Then run claude mcp list to check it.

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

Cursor

Merge this into ~/.cursor/mcp.json (all projects) or .cursor/mcp.json (one project).

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

VS Code

Put this in .vscode/mcp.json. The top key is servers, not mcpServers.

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

Prefer to run it on your machine? It is on npm: npx -y paycheck-calculator-mcp (needs Node.js).

Things to ask

Paste one into a new chat after you connect.

Questions

Is the paycheck calculator MCP server free?
Yes. The hosted URL is free and needs no token, key or account. The source is open on GitHub.
Why not just ask the model?
A model answers from its training data. That data stops at a cutoff date, and long sums can drift. This server reads its data or rules each time you ask, so the answer is current and exact.
Where does the data come from?
IRS Rev. Proc. 2024-40 and 2025-32, IRS Publication 15, and state tax agency tables.
Which apps can use it?
Any MCP client that accepts a remote server URL: Claude.ai and Claude Desktop custom connectors, Claude Code, Cursor, VS Code and others. You can also run it locally with npx.

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