{
  "markdown": "# statetakehome-mcp\n\n[![npm version](https://img.shields.io/npm/v/statetakehome-mcp.svg)](https://www.npmjs.com/package/statetakehome-mcp)\n[![License: MIT](https://img.shields.io/badge/License-MIT-yellow.svg)](https://opensource.org/licenses/MIT)\n\nA 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](https://statetakehome.com).\n\n**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.\n\n## Quick Start\n\nNo installation needed — run it with `npx`.\n\n### Claude Desktop / Claude Code\n\nAdd to your MCP config (`claude_desktop_config.json` or `.mcp.json`):\n\n```json\n{\n  \"mcpServers\": {\n    \"statetakehome\": {\n      \"command\": \"npx\",\n      \"args\": [\"-y\", \"statetakehome-mcp\"]\n    }\n  }\n}\n```\n\n### Cursor\n\nAdd to `.cursor/mcp.json`:\n\n```json\n{\n  \"mcpServers\": {\n    \"statetakehome\": {\n      \"command\": \"npx\",\n      \"args\": [\"-y\", \"statetakehome-mcp\"]\n    }\n  }\n}\n```\n\nRestart your client and the three tools below become available.\n\n## Tools\n\n### 1. `us_take_home_pay`\n\nNet 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.\n\n**Example call:**\n\n```json\n{\n  \"gross\": 75000,\n  \"state\": \"CA\",\n  \"filingStatus\": \"single\"\n}\n```\n\n**Response (abridged, from the live engine):**\n\n```json\n{\n  \"result\": {\n    \"gross\": 75000,\n    \"federalTax\": 7670,\n    \"stateTax\": 2940.85,\n    \"socialSecurity\": 4650,\n    \"medicare\": 1087.5,\n    \"totalTax\": 17323.35,\n    \"takeHome\": 57676.65,\n    \"effectiveRate\": 0.2310,\n    \"perPaycheck\": { \"biweekly\": 2218.33, \"monthly\": 4806.39 }\n  }\n}\n```\n\nThe 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.\n\n### 2. `self_employment_tax`\n\nSchedule 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.\n\n**Example call:**\n\n```json\n{\n  \"netProfit\": 90000,\n  \"filingStatus\": \"single\",\n  \"state\": \"TX\"\n}\n```\n\n**Response (abridged, from the live engine):**\n\n```json\n{\n  \"result\": {\n    \"netProfit\": 90000,\n    \"seTax\": 12716.6,\n    \"seTaxDeduction\": 6358.3,\n    \"federalIncomeTax\": 9571.17,\n    \"totalTax\": 22287.77,\n    \"quarterlyEstimate\": 5571.94,\n    \"setAsidePct\": 0.2477\n  }\n}\n```\n\n### 3. `capital_gains_tax`\n\nFederal 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).\n\n**Example call:**\n\n```json\n{\n  \"gain\": 50000,\n  \"ordinaryTaxableIncome\": 80000,\n  \"filingStatus\": \"single\",\n  \"term\": \"long\"\n}\n```\n\n**Response (abridged, from the live engine):**\n\n```json\n{\n  \"result\": {\n    \"gain\": 50000,\n    \"taxableGain\": 50000,\n    \"federalTax\": 7500,\n    \"niit\": 0,\n    \"totalTax\": 7500,\n    \"netProceeds\": 42500,\n    \"ltcgRate\": 0.15\n  }\n}\n```\n\n## Data & Methodology\n\n- **Tax year:** 2026.\n- **Federal brackets & standard deduction:** IRS Rev. Proc. 2025-32.\n- **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.\n- **FICA:** current Social Security wage base and Medicare rates, including the 0.9% Additional Medicare surtax.\n- **Capital gains:** long-term bands and the NIIT threshold per Rev. Proc. 2025-32, cross-checked against Tax Foundation and Schwab.\n- Every response includes a `source` block naming the underlying publication and a `reference_url` pointing to the matching calculator on the live site for further reading and methodology notes:\n  - https://statetakehome.com/\n  - https://statetakehome.com/self-employment-tax-calculator\n  - https://statetakehome.com/capital-gains-tax-calculator\n\nThe calculation code in this package is the same engine that runs statetakehome.com, kept in sync by hand — it is not a reimplementation.\n\n## Disclaimer\n\nThis 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.\n\n## License\n\nMIT © [tresor4k](https://github.com/tresor4k)\n",
  "bytes": 5027,
  "sha": "851584d2b899c34218398c4f535d19e78a0be946a1e533f01d0b77c6bb739f23",
  "repo_slug": "tresor4k/statetakehome-mcp",
  "fonte": "repo",
  "truncated": false,
  "api": "https://agentalog.com/api/listings/mcp_io_github_tresor4k_statetakehome_mcp_e772fcdf/readme"
}