StateTakeHome
US take-home pay calculator by state: federal and state tax, FICA, deductions.
Open source Open in the app JSON README (API)
About
US take-home pay calculator by state: federal and state tax, FICA, deductions.
Details
- Kind
- MCP servers
- Topic
- Finance & crypto
- Publisher
- tresor4k
- Origin
- official
- Category
- ferramentas
- Transport
- local
- Version
- 0.1.1
- Last push
- 2026-07-13T12:56:51Z
- Repository state
- ativo
- Language
- TypeScript
- License
- MIT
- Added
- 2026-08-29 04:01:35
- Updated
- 2026-08-29 04:01:35
- Origin id
io.github.tresor4k/statetakehome-mcp
README
# statetakehome-mcp
[](https://www.npmjs.com/package/statetakehome-mcp)
[](https://opensource.org/licenses/MIT)
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](https://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`):
```json
{
"mcpServers": {
"statetakehome": {
"command": "npx",
"args": ["-y", "statetakehome-mcp"]
}
}
}
```
### Cursor
Add to `.cursor/mcp.json`:
```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:**
```json
{
"gross": 75000,
"state": "CA",
"filingStatus": "single"
}
```
**Response (abridged, from the live engine):**
```json
{
"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:**
```json
{
"netProfit": 90000,
"filingStatus": "single",
"state": "TX"
}
```
**Response (abridged, from the live engine):**
```json
{
"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:**
```json
{
"gain": 50000,
"ordinaryTaxableIncome": 80000,
"filingStatus": "single",
"term": "long"
}
```
**Response (abridged, from the live engine):**
```json
{
"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 `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:
- https://statetakehome.com/
- https://statetakehome.com/self-employment-tax-calculator
- https://statetakehome.com/capital-gains-tax-calculator
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](https://github.com/tresor4k)