# Estimate My Paycheck (remote · estimatemypaycheck.com)

US take-home pay after federal, FICA and state taxes, all 50 states and DC.

- Trust score: 67/100 (medium)
- Change this week: +3
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-04

## Components

- remote · `estimatemypaycheck.com`: 67/100 (this document), [markdown](https://verifymcp.io/servers/com-estimatemypaycheck-paycheck/api-mcp.md), [page](https://verifymcp.io/servers/com-estimatemypaycheck-paycheck/api-mcp)

## Channel facts

- Endpoint: `https://estimatemypaycheck.com/api/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.0`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-11-04.

- **Endpoint Security**: 63/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one.
  - HTTPS enforcement could not be verified: the plaintext port answered with HTTP 405, which proves neither a plaintext path nor enforcement.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 58/100
  - AI-judged instruction clarity (good).
  - Context-footprint check failed: tool/resource definitions use about 634 tokens (~211/item across 3 items; 3 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 23/100
  - Stability observed for 7 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 100/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 100% of tool parameters carry a description.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 3 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 4 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### How do I install the Estimate My Paycheck MCP server?

Estimate My Paycheck is a hosted endpoint at https://estimatemypaycheck.com/api/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.

### Claude

```bash
claude mcp add --transport http com-estimatemypaycheck-paycheck 'https://estimatemypaycheck.com/api/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "com-estimatemypaycheck-paycheck": {
      "url": "https://estimatemypaycheck.com/api/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "com-estimatemypaycheck-paycheck": {
      "type": "http",
      "url": "https://estimatemypaycheck.com/api/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.com-estimatemypaycheck-paycheck]
url = "https://estimatemypaycheck.com/api/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "com-estimatemypaycheck-paycheck": {
      "type": "remote",
      "url": "https://estimatemypaycheck.com/api/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add com-estimatemypaycheck-paycheck --url 'https://estimatemypaycheck.com/api/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  com-estimatemypaycheck-paycheck:
    url: "https://estimatemypaycheck.com/api/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "com-estimatemypaycheck-paycheck": {
      "Transport": "http",
      "Url": "https://estimatemypaycheck.com/api/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add com-estimatemypaycheck-paycheck -t streamable-http -u 'https://estimatemypaycheck.com/api/mcp'
```

### Other

```json
{
  "mcpServers": {
    "com-estimatemypaycheck-paycheck": {
      "type": "http",
      "url": "https://estimatemypaycheck.com/api/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-11-04 (score 67, +1)

No change was recorded against any check on this day. Stability & Change Management went from 20 to 23. That category is still filling its 30-day observation window: 6 days of observed history at the previous scan, 7 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-11-02 (score 66, +1)

No change was recorded against any check on this day. Stability & Change Management went from 13 to 17. That category is still filling its 30-day observation window: 4 days of observed history at the previous scan, 5 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-30 (score 65, +1)

No change was recorded against any check on this day. Stability & Change Management went from 3 to 7. That category is still filling its 30-day observation window: 1 days of observed history at the previous scan, 2 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-29 (score 64, 0)

- [functional improvement] Stability: unverified → 0.03

### 2026-10-28 (score 64)

First indexed and scored.

## MCP tools (3)

### `calculate_paycheck` (~284 tokens)

Calculate take-home pay

Compute a US paycheck for 2026: gross, each tax and pre-tax deduction, and take-home pay per paycheck and per year, for a salary or an hourly rate (overtime over 40 hours at 1.5 times) in any state or DC. Federal withholding follows the annual tax on wages; local city and county taxes are not included (the answer names them when material).

Input parameters:

- `filing_status` (string): Default single.
- `health_per_paycheck` (number): Pre-tax health premium per paycheck, dollars. Default 0.
- `hourly_rate` (number): Hourly rate in dollars, instead of salary.
- `hours_per_week` (number): Hours a week with hourly_rate (over 40 paid at 1.5 times). Default 40.
- `k401_percent` (number): Pre-tax 401(k) contribution, percent of gross. Default 0.
- `pay_frequency` (string): Default biweekly.
- `residency` (string): resident (default), nonresident (e.g. H-1B first year: taxed as single), student (F/J/M/Q nonresident: no FICA).
- `salary` (number): Annual gross salary in dollars. Give this or hourly_rate.
- `state` (string, required): Two-letter state code or name: TX, CA, new-york, DC.

### `compare_states` (~113 tokens)

Compare take-home pay in every state

Take-home pay for the same salary in the 50 states and DC in 2026, sorted from the highest. Useful to answer "which state lets me keep the most" or to price a move.

Input parameters:

- `filing_status` (string): Default single.
- `k401_percent` (number): Pre-tax 401(k) contribution, percent of gross. Default 0.
- `pay_frequency` (string): Default biweekly.
- `salary` (number, required): Annual gross salary in dollars. Give this or hourly_rate.

### `calculate_bonus_tax` (~127 tokens)

Bonus after taxes

What a bonus check pays after the flat 22% federal supplemental withholding, FICA and state tax, and how much of the federal withholding comes back (or is still owed) at tax time, on top of a salary, 2026 rules (IRS Pub. 15).

Input parameters:

- `bonus` (number, required): Bonus in dollars.
- `filing_status` (string): Default single.
- `salary` (number, required): Annual gross salary in dollars. Give this or hourly_rate.
- `state` (string, required): Two-letter state code or name: TX, CA, new-york, DC.

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/com-estimatemypaycheck-paycheck/api-mcp#diagnostics

## Score history

- 2026-11-04: 67
- 2026-11-03: 66
- 2026-11-02: 66
- 2026-11-01: 65
- 2026-10-31: 65
- 2026-10-30: 65
- 2026-10-29: 64
- 2026-10-28: 64

## Common questions

### What is the Estimate My Paycheck MCP server?

Estimate My Paycheck is an MCP server listed in the public MCP registry as com.estimatemypaycheck/paycheck. US take-home pay after federal, FICA and state taxes, all 50 states and DC. This page covers its hosted endpoint (https://estimatemypaycheck.com/api/mcp).

### Is the Estimate My Paycheck MCP server safe to use?

Estimate My Paycheck scores 67 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.

### What tools does the Estimate My Paycheck MCP server expose?

Estimate My Paycheck exposes 3 tools: calculate_paycheck, compare_states, calculate_bonus_tax. Their descriptions and schemas cost roughly 524 tokens of context every time the server is loaded.

### Does the Estimate My Paycheck MCP server require authentication?

No. We connected to Estimate My Paycheck without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the Estimate My Paycheck MCP server still maintained?

Estimate My Paycheck is still listed as active in the MCP registry. We last reached this channel on 4 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

## Links

- Remote endpoint: https://estimatemypaycheck.com/api/mcp
- Website: https://estimatemypaycheck.com/paycheck-api/
- Changelog RSS feed: https://verifymcp.io/servers/com-estimatemypaycheck-paycheck/api-mcp.xml
- Changelog JSON feed: https://verifymcp.io/servers/com-estimatemypaycheck-paycheck/api-mcp.json
- HTML version of this page: https://verifymcp.io/servers/com-estimatemypaycheck-paycheck/api-mcp