# io.github.dma9527/irs-taxpayer (npm · irs-taxpayer-mcp)

39 tax tools for US taxpayers: federal/state tax, credits, deductions, retirement. All local.

- Trust score: 68/100 (medium)
- Change this week: +25
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-08-03

## Components

- npm · `irs-taxpayer-mcp`: 68/100 (this document), [markdown](https://verifymcp.io/servers/dma9527-irs-taxpayer/irs-taxpayer-mcp.md), [page](https://verifymcp.io/servers/dma9527-irs-taxpayer/irs-taxpayer-mcp)

## Channel facts

- Registry: `npm`
- Package: `irs-taxpayer-mcp`
- Version: `0.5.3`
- Transport: `stdio`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically from public evidence about the published package, including repeated runs of it in an isolated sandbox, 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 2026-08-03.

- **Supply Chain Security**: 87/100
  - No malware found by supply-chain analysis.
  - Only part of the dependency tree could be resolved (95 of 99), so this covers what we could see, not the whole tree.
  - No install/post-install scripts declared.
  - Only part of the dependency tree could be resolved (95 of 99), so this covers what we could see, not the whole tree.
- **Provenance & Transparency**: 45/100
  - Source repository is publicly reachable at the declared URL.
  - Provenance check failed: no build-provenance attestation is published.
  - Clear OSI-approved license (MIT).
  - Actively maintained (last published 159 days ago).
  - Disclosure check failed: no security disclosure policy was found in the source repository.
- **Schema Quality & AI Usability**: 74/100
  - AI-judged instruction clarity (excellent).
  - Context-footprint check failed: tool/resource definitions use about 5869 tokens (~139/item across 42 items; 42 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 27/100
  - Stability observed for 8 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 93/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 80% of tool parameters carry a description.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### Claude

```bash
claude mcp add dma9527-irs-taxpayer -- npx -y irs-taxpayer-mcp
```

### Codex

```bash
codex mcp add dma9527-irs-taxpayer -- npx -y irs-taxpayer-mcp
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "dma9527-irs-taxpayer": {
      "type": "local",
      "command": [
        "npx",
        "-y",
        "irs-taxpayer-mcp"
      ],
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add dma9527-irs-taxpayer --command npx --arg -y --arg irs-taxpayer-mcp
```

### Hermes

```yaml
mcp_servers:
  dma9527-irs-taxpayer:
    command: "npx"
    args: ["-y", "irs-taxpayer-mcp"]
```

### Other

```json
{
  "mcpServers": {
    "dma9527-irs-taxpayer": {
      "command": "npx",
      "args": [
        "-y",
        "irs-taxpayer-mcp"
      ]
    }
  }
}
```

## 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.

### 2026-08-03 (score 68, +4)

- [functional improvement] Stability: unverified → 0.27

### 2026-08-02 (score 64, +45)

- [security regression] Provenance: unverified → fail
- [security improvement] Known CVEs: unverified → partial
- [security improvement] Install scripts: unverified → pass
- [security improvement] Malware scan: unverified → pass
- [security] Stability: Stability not yet verified: not enough scan history yet (needs a 30-day window).
- [functional regression] Security disclosure: fail → unverified
- [functional regression] Tool coverage: 100 → unverified
- [functional improvement] Schema quality: unverified → excellent
- [functional improvement] License: unverified → pass
- [functional improvement] Dependency health: unverified → partial
- [functional improvement] Maintenance: unverified → pass
- [functional improvement] MCP protocol: unverified → pass
- [functional] First check of Schema quality: unverified
- [functional] Licence: MIT

### 2026-07-31 (score 19, −6)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-30 (score 25, −18)

- [security regression] Malware scan: pass → unverified

### 2026-07-27 (score 43)

First indexed and scored.

## MCP tools (42)

### `calculate_federal_tax` (~356 tokens)

Calculate federal income tax for an individual taxpayer. Supports TY2024 and TY2025. Includes bracket breakdown, effective/marginal rates, SE tax, NIIT, Additional Medicare Tax, QBI deduction, capital gains, and child tax credit. All calculations run locally — no data is sent to any server.

Input parameters:

- `aboveTheLineDeductions` (number): Above-the-line deductions (HSA, student loan interest, etc.)
- `age65OrOlder` (boolean): Taxpayer is 65 or older
- `blind` (boolean): Taxpayer is blind
- `capitalGains` (number): Long-term capital gains (can be negative for losses)
- `capitalGainsLongTerm` (boolean): Whether capital gains are long-term (default: true)
- `dependents` (integer): Number of qualifying child dependents for Child Tax Credit
- `filingStatus` (string, required): Filing status
- `grossIncome` (number, required): Total gross income in USD
- `isoExerciseSpread` (number): ISO stock option exercise spread (for AMT calculation)
- `itemizedDeductions` (number): Total itemized deductions (if greater than standard deduction)
- `qualifiedBusinessIncome` (number): Qualified Business Income for Section 199A deduction
- `selfEmploymentIncome` (number): Self-employment income (Schedule C)
- `shortTermCapitalGains` (number): Short-term capital gains (taxed as ordinary income)
- `stateTaxDeducted` (number): State/local taxes included in itemized deductions (for AMT)
- `taxYear` (number, required): Tax year (2024 or 2025)
- `w2Income` (number): W-2 wage income

### `get_tax_brackets` (~54 tokens)

Get federal income tax brackets and standard deduction for a given tax year and filing status.

Input parameters:

- `filingStatus` (string, required): Filing status
- `taxYear` (number, required): Tax year (2024 or 2025)

### `compare_filing_statuses` (~88 tokens)

Compare tax liability across different filing statuses for the same income. Helps determine the most advantageous filing status.

Input parameters:

- `dependents` (integer): Number of qualifying dependents
- `grossIncome` (number, required): Total gross income
- `itemizedDeductions` (number): Itemized deductions if applicable
- `taxYear` (number, required): Tax year (2024 or 2025)

### `estimate_quarterly_tax` (~114 tokens)

Calculate estimated quarterly tax payments (Form 1040-ES) for self-employed or other taxpayers who need to make estimated payments.

Input parameters:

- `expectedAnnualIncome` (number, required): Expected total annual income
- `filingStatus` (string, required)
- `otherCredits` (number): Expected other tax credits
- `selfEmploymentIncome` (number): Expected self-employment income
- `taxYear` (number, required): Tax year
- `w2Withholding` (number): Expected total W-2 tax withholding for the year

### `calculate_total_tax` (~225 tokens)

Calculate combined federal + state tax for a complete picture of total tax liability. Returns federal breakdown, state tax, and combined totals in one call.

Input parameters:

- `aboveTheLineDeductions` (number): Above-the-line deductions
- `capitalGains` (number): Long-term capital gains
- `capitalGainsLongTerm` (boolean): Whether capital gains are long-term (default: true)
- `dependents` (integer): Number of qualifying child dependents
- `filingStatus` (string, required): Filing status
- `grossIncome` (number, required): Total gross income in USD
- `itemizedDeductions` (number): Total itemized deductions
- `qualifiedBusinessIncome` (number): QBI for Section 199A deduction
- `selfEmploymentIncome` (number): Self-employment income
- `stateCode` (string, required): Two-letter state code (e.g., 'CA', 'TX', 'NY')
- `taxYear` (number, required): Tax year (2024 or 2025)
- `w2Income` (number): W-2 wage income

### `calculate_w4_withholding` (~164 tokens)

Calculate recommended W-4 withholding settings. Estimates per-paycheck federal tax and provides step-by-step W-4 form recommendations.

Input parameters:

- `annualSalary` (number, required): Annual salary from this job
- `deductions` (number): Expected itemized deductions (if more than standard)
- `dependents` (integer): Number of qualifying child dependents
- `filingStatus` (string, required): Filing status
- `multipleJobs` (boolean): Do you hold multiple jobs simultaneously?
- `otherIncome` (number): Other annual income (interest, dividends, side gigs)
- `payFrequency` (string, required): How often you get paid
- `spouseWorks` (boolean): Does your spouse also work?
- `taxYear` (number, required): Tax year (2024 or 2025)

### `list_deductions` (~45 tokens)

List available tax deductions with eligibility rules and limits. Covers both above-the-line and itemized deductions.

Input parameters:

- `category` (string): Filter by deduction category (default: all)

### `standard_vs_itemized` (~151 tokens)

Compare standard deduction vs itemized deductions to determine which is more beneficial.

Input parameters:

- `age65OrOlder` (boolean)
- `agi` (number, required): Adjusted Gross Income (needed for medical expense threshold)
- `blind` (boolean)
- `charitableDonations` (number): Charitable contributions
- `filingStatus` (string, required)
- `medicalExpenses` (number): Unreimbursed medical expenses
- `mortgageInterest` (number): Home mortgage interest paid
- `otherItemized` (number): Other itemized deductions
- `stateLocalTaxes` (number): State/local income + property taxes paid
- `taxYear` (number, required): Tax year (2024 or 2025)

### `get_tax_deadlines` (~40 tokens)

Get important IRS tax deadlines and due dates for a given tax year.

Input parameters:

- `taxYear` (number): Tax year (default: 2025)

### `check_refund_status` (~53 tokens)

Provide instructions on how to check IRS refund status. This tool does NOT access your IRS account — it provides the official links and requirements.

Input parameters:

- `filedElectronically` (boolean): Whether the return was e-filed

### `get_irs_form_info` (~67 tokens)

Get information about common IRS tax forms — what they are, who needs them, and where to find them.

Input parameters:

- `formNumber` (string, required): IRS form number (e.g., '1040', 'W-2', '1099-NEC', 'Schedule C')

### `list_tax_credits` (~67 tokens)

List available federal tax credits with eligibility, amounts, and phase-out rules. Covers family, education, energy, retirement, healthcare, and income-based credits.

Input parameters:

- `category` (string): Filter by category (default: all)
- `refundableOnly` (boolean): Only show refundable credits

### `check_credit_eligibility` (~215 tokens)

Check which tax credits you may be eligible for based on your situation.

Input parameters:

- `agi` (number, required): Adjusted Gross Income
- `boughtEV` (boolean): Purchased an electric vehicle this year
- `filingStatus` (string, required)
- `hasChildcare` (boolean): Pay for childcare to work
- `hasChildren` (boolean): Have qualifying children under 17
- `hasEarnedIncome` (boolean): Has earned income from work
- `hasMarketplaceInsurance` (boolean): Bought health insurance through ACA marketplace
- `hasRetirementContributions` (boolean): Contributed to IRA/401k
- `hasStudentLoans` (boolean): Paying student loan interest
- `installedSolar` (boolean): Installed solar panels or renewable energy
- `isStudent` (boolean): Currently enrolled in post-secondary education
- `madeHomeImprovements` (boolean): Made energy-efficient home improvements
- `numChildren` (integer)
- `paidForeignTax` (boolean): Paid income tax to a foreign country

### `get_retirement_accounts` (~66 tokens)

Get details on retirement account types — contribution limits, tax treatment, income limits, and tips.

Input parameters:

- `accountType` (string): Specific account (e.g., 'roth_ira', '401k', 'hsa', 'sep_ira'). Leave empty for all

### `get_retirement_strategy` (~93 tokens)

Get detailed info on tax-advantaged retirement strategies like Backdoor Roth, Mega Backdoor Roth, Roth Conversion Ladder, Tax Loss/Gain Harvesting.

Input parameters:

- `strategyId` (string): Strategy ID (e.g., 'backdoor_roth', 'mega_backdoor_roth', 'roth_conversion_ladder', 'tax_loss_harvesting', 'tax_gain_harvesting'). Leave empty for all

### `calculate_eitc` (~135 tokens)

Calculate the exact Earned Income Tax Credit (EITC) amount. The EITC is one of the largest refundable credits for low-to-moderate income workers.

Input parameters:

- `agi` (number, required): Adjusted Gross Income
- `earnedIncome` (number, required): Earned income (wages, salary, self-employment)
- `filingStatus` (string, required)
- `investmentIncome` (number): Investment income (interest, dividends, capital gains)
- `qualifyingChildren` (integer, required): Number of qualifying children (0-3)
- `taxYear` (number, required): Tax year (2024 or 2025)

### `get_state_tax_info` (~52 tokens)

Get state income tax information — rates, brackets, and key details for any US state.

Input parameters:

- `stateCode` (string, required): Two-letter state code (e.g., 'CA', 'TX', 'NY')

### `estimate_state_tax` (~68 tokens)

Estimate state income tax for a given income and state. Simplified calculation using state brackets.

Input parameters:

- `filingStatus` (string): Filing status (default: single)
- `stateCode` (string, required): Two-letter state code
- `taxableIncome` (number, required): State taxable income (after state deductions)

### `compare_state_taxes` (~66 tokens)

Compare state income tax across multiple states for the same income. Useful for relocation decisions.

Input parameters:

- `states` (array, required): Array of state codes to compare (e.g., ['CA', 'TX', 'WA', 'NY'])
- `taxableIncome` (number, required): Annual taxable income

### `list_no_income_tax_states` (~21 tokens)

List all US states with no state income tax.

### `get_tax_planning_tips` (~230 tokens)

Get personalized year-end tax optimization strategies based on your income, deductions, and situation. Suggests actions to reduce tax liability before year-end.

Input parameters:

- `charitableGiving` (number): YTD charitable donations
- `currentHSAContributions` (number): YTD HSA contributions
- `currentRetirementContributions` (number): YTD retirement contributions
- `currentWithholding` (number): Total tax already withheld/paid YTD
- `estimatedCapitalGains` (number)
- `estimatedIncome` (number, required): Expected total income for the year
- `estimatedItemizedDeductions` (number)
- `filingStatus` (string, required)
- `hasCapitalGains` (boolean)
- `hasCapitalLosses` (boolean)
- `hasHSA` (boolean): Have HSA-eligible health plan
- `hasMortgage` (boolean)
- `hasRetirementPlan` (boolean): Have access to 401k/403b
- `isSelfEmployed` (boolean)
- `taxYear` (number, required): Tax year to plan for

### `compare_tax_years` (~72 tokens)

Compare tax liability across different tax years for the same income. Shows how bracket changes and inflation adjustments affect your tax.

Input parameters:

- `dependents` (integer)
- `filingStatus` (string, required)
- `grossIncome` (number, required): Gross income to compare across years
- `selfEmploymentIncome` (number)

### `estimate_self_employment_tax` (~140 tokens)

Detailed self-employment tax breakdown including Schedule C profit, SE tax, QBI deduction, and recommended quarterly payments.

Input parameters:

- `businessExpenses` (number, required): Total business expenses (Schedule C)
- `dependents` (integer)
- `filingStatus` (string, required)
- `grossRevenue` (number, required): Total business revenue (Schedule C line 1)
- `healthInsurancePremiums` (number): Self-employed health insurance premiums
- `otherW2Income` (number): W-2 income from other jobs
- `retirementContributions` (number): SEP IRA or Solo 401k contributions
- `taxYear` (number, required): Tax year

### `analyze_mortgage_tax_benefit` (~157 tokens)

Analyze the tax benefit of mortgage interest deduction and property taxes. Compares itemizing with mortgage vs taking the standard deduction.

Input parameters:

- `filingStatus` (string, required)
- `grossIncome` (number, required)
- `interestRate` (number): Mortgage interest rate (e.g., 0.065 for 6.5%)
- `mortgageBalance` (number): Current mortgage balance
- `mortgageInterest` (number, required): Annual mortgage interest paid
- `otherItemized` (number): Other itemized deductions (charity, medical, etc.)
- `propertyTaxes` (number, required): Annual property taxes paid
- `stateIncomeTaxes` (number): State/local income taxes paid
- `taxYear` (number, required): Tax year

### `analyze_education_tax_benefits` (~159 tokens)

Compare education tax benefits: AOTC vs Lifetime Learning Credit, student loan interest deduction, and 529 plan advantages.

Input parameters:

- `agi` (number, required): Adjusted Gross Income
- `contribution529` (number): 529 plan contribution this year
- `filingStatus` (string, required)
- `has529Plan` (boolean): Contributing to or using a 529 plan
- `isUndergrad` (boolean, required): Is the student in first 4 years of undergrad?
- `studentLoanInterest` (number): Student loan interest paid this year
- `tuitionPaid` (number, required): Tuition and qualified expenses paid
- `yearsAOTCClaimed` (integer): Years AOTC already claimed (max 4)

### `compare_mfj_vs_mfs` (~194 tokens)

Compare Married Filing Jointly (MFJ) vs Married Filing Separately (MFS). Shows tax difference and lists all MFS restrictions that may affect your situation.

Input parameters:

- `dependents` (integer): Number of qualifying children
- `hasEITC` (boolean): Either spouse would qualify for EITC
- `hasEducationCredits` (boolean): Either spouse claiming AOTC or LLC
- `hasIRAContributions` (boolean): Either spouse contributing to IRA
- `itemizedDeductions` (number): Total itemized deductions (combined for MFJ, split for MFS)
- `spouse1Income` (number, required): Spouse 1 gross income
- `spouse2Income` (number, required): Spouse 2 gross income
- `studentLoanInterest` (boolean): Either spouse paying student loan interest
- `taxYear` (number, required): Tax year (2024 or 2025)

### `calculate_obbb_deductions` (~191 tokens)

Calculate all OBBB (One Big Beautiful Bill) new deductions for TY2025+: tips income deduction, overtime pay deduction, senior bonus deduction, and auto loan interest deduction. Shows which deductions you qualify for and the total tax savings.

Input parameters:

- `age` (integer): Taxpayer age (needed for senior bonus)
- `agi` (number, required): Adjusted Gross Income
- `autoLoanInterest` (number): Interest paid on qualifying US-assembled new vehicle loan
- `filingStatus` (string, required)
- `marginalRate` (number): Your marginal tax rate (for savings estimate, e.g. 0.22)
- `overtimePay` (number): Annual overtime premium pay
- `spouseAge` (integer): Spouse age if MFJ
- `taxYear` (number, required): Tax year (2025+)
- `tipIncome` (number): Annual tip income from qualifying occupation

### `what_changed_between_tax_years` (~105 tokens)

Show all differences between two tax years — bracket changes, deduction limits, credit amounts, SALT cap, CTC, and new OBBB provisions. Great for understanding how tax law changes affect you.

Input parameters:

- `filingStatus` (string): Filing status for specific comparisons (default: single)
- `fromYear` (number, required): Earlier tax year (e.g., 2024)
- `toYear` (number, required): Later tax year (e.g., 2025)

### `generate_full_tax_report` (~373 tokens)

Generate a full tax estimate report combining federal tax, state tax, FICA, all credits and deductions into one summary. Like a TurboTax final page.

Input parameters:

- `aboveTheLineDeductions` (number): HSA, student loan interest, educator expenses, etc.
- `charitableDonations` (number): Charitable contributions
- `dependents` (integer): Qualifying children under 17
- `dividendIncome` (number): 1099-DIV ordinary dividends
- `estimatedPaymentsMade` (number): Estimated tax payments already made
- `federalWithheld` (number): Federal tax already withheld YTD
- `filingStatus` (string, required)
- `interestIncome` (number): 1099-INT interest income
- `longTermCapitalGains` (number): Long-term capital gains/losses
- `medicalExpenses` (number): Unreimbursed medical expenses
- `mortgageInterest` (number): Mortgage interest
- `otherIncome` (number): Other income (rental, alimony, etc.)
- `otherItemized` (number): Other itemized deductions
- `qualifiedBusinessIncome` (number): QBI for Section 199A
- `qualifiedDividends` (number): Qualified dividends (subset of dividends, taxed at CG rates)
- `selfEmploymentIncome` (number): Self-employment net profit
- `shortTermCapitalGains` (number): Short-term capital gains/losses
- `stateCode` (string): State code for state tax estimate
- `stateLocalTaxesPaid` (number): State/local/property taxes paid
- `stateWithheld` (number): State tax already withheld YTD
- `taxYear` (number, required): Tax year (2024 or 2025)
- `w2Income` (number): W-2 wages

### `process_1099_income` (~118 tokens)

Process multiple 1099 forms and calculate the tax impact of each income type. Handles 1099-NEC (freelance), 1099-INT (interest), 1099-DIV (dividends), 1099-B (investments), 1099-MISC.

Input parameters:

- `filingStatus` (string, required)
- `forms` (array, required): Array of 1099 forms
- `taxYear` (number, required): Tax year
- `w2Income` (number): W-2 income (for context)

### `get_personalized_tax_calendar` (~124 tokens)

Generate a personalized tax calendar based on your situation. Shows deadlines for filing, estimated payments, extensions, and key actions.

Input parameters:

- `filedExtension` (boolean): Did you file an extension?
- `hasEmployer` (boolean): Do you have W-2 employment?
- `hasInvestments` (boolean): Do you have investment accounts?
- `hasRentalIncome` (boolean): Do you have rental property income?
- `isSelfEmployed` (boolean): Do you have self-employment income?
- `taxYear` (number, required): Tax year to get calendar for

### `analyze_paycheck` (~166 tokens)

Analyze a paycheck to verify withholding accuracy. Input your pay stub numbers and see if your employer is withholding the right amount.

Input parameters:

- `federalWithheld` (number, required): Federal tax withheld this period
- `filingStatus` (string, required)
- `grossPay` (number, required): Gross pay this period
- `hsaContribution` (number): HSA contribution this period
- `medicareWithheld` (number): Medicare withheld
- `payFrequency` (string, required)
- `retirement401k` (number): 401k/403b pre-tax contribution this period
- `socialSecurityWithheld` (number): Social Security withheld
- `stateCode` (string)
- `stateWithheld` (number): State tax withheld this period
- `taxYear` (number, required): Tax year

### `simulate_tax_scenario` (~243 tokens)

What-if tax scenario simulator. Compare your current situation against a hypothetical change: income change, relocation, Roth conversion, filing status change, etc. Shows the exact tax impact of the change.

Input parameters:

- `currentCapitalGains` (number)
- `currentDependents` (integer)
- `currentIncome` (number, required): Current gross income
- `currentItemizedDeductions` (number)
- `currentSelfEmployment` (number)
- `currentState` (string): Current state code
- `filingStatus` (string, required)
- `taxYear` (number, required): Tax year
- `whatIfAdditional401k` (number): Additional 401k contribution
- `whatIfFilingStatus`: New filing status
- `whatIfIncomeChange` (number): Income change amount (positive = more income, negative = less)
- `whatIfItemizedChange` (number): Change in itemized deductions
- `whatIfNewDependents` (integer): New number of dependents
- `whatIfNewState` (string): New state if relocating
- `whatIfRothConversion` (number): Amount to convert from Traditional to Roth IRA

### `assess_audit_risk` (~252 tokens)

Evaluate your IRS audit risk based on your tax return profile. Identifies red flags, scores your risk level, and provides tips to reduce audit exposure.

Input parameters:

- `businessMeals` (number): Business meal deductions
- `cashBusiness` (boolean): Is your business cash-intensive (restaurant, salon, etc.)?
- `charitableDonations` (number): Total charitable donations
- `charitableNonCash` (number): Non-cash charitable donations (clothing, property)
- `cryptoTransactions` (boolean): Had cryptocurrency transactions?
- `eitcClaimed` (boolean): Claiming EITC?
- `filingStatus` (string, required)
- `foreignAccounts` (boolean): Have foreign bank accounts or assets?
- `grossIncome` (number, required): Total gross income
- `homeOfficeDeduction` (boolean): Claiming home office deduction?
- `largeRefund` (boolean): Expecting a very large refund?
- `rentalLosses` (number): Rental property losses claimed
- `roundNumbers` (boolean): Are most deductions round numbers ($5,000, $10,000)?
- `selfEmploymentIncome` (number): Self-employment income
- `vehicleDeduction` (number): Vehicle/mileage deduction

### `get_tax_document_checklist` (~312 tokens)

Generate a personalized checklist of tax documents you need to gather for filing. Based on your income sources, deductions, and life events.

Input parameters:

- `boughtEV` (boolean): Bought an electric vehicle
- `gotDivorced` (boolean): Got divorced this year
- `gotMarried` (boolean): Got married this year
- `hadBaby` (boolean): Had a baby this year
- `hasCharitableDonations` (boolean): Made charitable donations
- `hasChildcare` (boolean): Pay for childcare
- `hasChildren` (boolean): Have dependent children
- `hasEducationExpenses` (boolean): Paying tuition or student expenses
- `hasForeignAccounts` (boolean): Have foreign bank accounts or income
- `hasHSA` (boolean): Have HSA account
- `hasHealthInsurance` (boolean): Have health insurance (marketplace or employer)
- `hasInvestments` (boolean): Have investment accounts (stocks, bonds, crypto)
- `hasMortgage` (boolean): Have a mortgage
- `hasRentalProperty` (boolean): Own rental property
- `hasRetirementContributions` (boolean): Contributed to IRA/401k
- `hasSelfEmployment` (boolean): Have self-employment/freelance income
- `hasStudentLoans` (boolean): Paying student loans
- `hasW2` (boolean): Have W-2 employment
- `installedSolar` (boolean): Installed solar panels
- `soldHome` (boolean): Sold a home this year

### `optimize_capital_gains` (~120 tokens)

Analyze investment lots and suggest which to sell to minimize tax. Considers long-term vs short-term, 0% bracket space, loss harvesting, and wash sale rules.

Input parameters:

- `filingStatus` (string, required)
- `lots` (array, required): Investment lots to analyze
- `ordinaryIncome` (number, required): Ordinary income (W-2, SE, interest, etc.) before investment sales
- `targetGainOrLoss` (number): Target net gain/loss to realize (negative for harvesting losses)
- `taxYear` (number, required): Tax year

### `plan_retirement_withdrawals` (~160 tokens)

Plan tax-efficient retirement withdrawals. Determines optimal order to draw from Traditional IRA, Roth IRA, and taxable accounts to minimize lifetime tax.

Input parameters:

- `age` (integer, required): Your current age
- `annualSpending` (number, required): Annual spending need (pre-tax)
- `filingStatus` (string, required)
- `pensionIncome` (number): Annual pension income
- `rothBalance` (number, required): Roth IRA/401k balance
- `rothConversionInterest` (boolean): Interested in Roth conversion strategy?
- `socialSecurityIncome` (number): Annual Social Security income
- `taxYear` (number, required): Tax year
- `taxableBalance` (number, required): Taxable brokerage account balance
- `traditionalBalance` (number, required): Traditional IRA/401k balance

### `plan_multi_year_taxes` (~67 tokens)

Create a 3-5 year tax projection and strategy. Models income changes, Roth conversions, retirement contributions, and bracket management across multiple years.

Input parameters:

- `currentAge` (integer, required)
- `filingStatus` (string, required)
- `years` (array, required): Year-by-year projections

### `analyze_relocation_taxes` (~157 tokens)

In-depth relocation tax analysis comparing two states. Includes state income tax, effective combined rate, local taxes, and multi-year savings projection.

Input parameters:

- `capitalGains` (number)
- `dependents` (integer)
- `filingStatus` (string, required)
- `fromState` (string, required): Current state code
- `grossIncome` (number, required): Annual gross income
- `incomeGrowthRate` (number): Annual income growth rate (e.g., 0.03 for 3%)
- `selfEmploymentIncome` (number)
- `taxYear` (number, required): Tax year
- `toState` (string, required): Target state code
- `yearsToProject` (integer): Years to project savings (default: 5)

### `run_tax_health_check` (~224 tokens)

One-click tax health check. Analyzes your full financial picture and outputs a report with actionable findings: missed credits, withholding accuracy, deduction optimization, audit risk, retirement savings gaps, and year-end planning tips.

Input parameters:

- `age` (integer)
- `boughtEV` (boolean)
- `capitalGains` (number)
- `charitableDonations` (number)
- `dependents` (integer)
- `federalWithheld` (number)
- `filingStatus` (string, required)
- `grossIncome` (number, required)
- `hasHealthInsurance` (boolean)
- `hsaContributions` (number)
- `installedSolar` (boolean)
- `isStudent` (boolean)
- `mortgageInterest` (number)
- `retirement401k` (number)
- `retirementIRA` (number)
- `selfEmploymentIncome` (number)
- `stateCode` (string)
- `stateLocalTaxes` (number)
- `taxYear` (number, required): Tax year
- `w2Income` (number)

### `lookup_tax_rule` (~87 tokens)

Look up IRS tax rules, definitions, and common questions. Covers filing rules, income types, deduction rules, credit eligibility, stock options, wash sales, and more.

Input parameters:

- `topic` (string, required): Tax topic to look up (e.g., 'wash sale rule', 'ISO vs NSO', 'AOTC and LLC same year', 'gift tax', 'estimated tax penalty')

### `get_form_filing_guide` (~78 tokens)

Step-by-step guide for filling out a specific IRS form or schedule. Explains each section, what data you need, and common mistakes to avoid.

Input parameters:

- `formNumber` (string, required): IRS form (e.g., '1040', 'Schedule C', 'Schedule D', 'Form 8949', 'W-4')

## Diagnostics

Captured diagnostic sections: Provenance, Dependencies. The full working is on the page: https://verifymcp.io/servers/dma9527-irs-taxpayer/irs-taxpayer-mcp#diagnostics

## Score history

- 2026-08-03: 68
- 2026-08-02: 64
- 2026-08-01: 19
- 2026-07-31: 19
- 2026-07-30: 25
- 2026-07-28: 43
- 2026-07-27: 43

## Links

- npm package: https://www.npmjs.com/package/irs-taxpayer-mcp
- Socket report: https://socket.dev/npm/package/irs-taxpayer-mcp
- Repository: https://github.com/dma9527/irs-taxpayer-mcp
- Changelog RSS feed: https://verifymcp.io/servers/dma9527-irs-taxpayer/irs-taxpayer-mcp/changelog.xml
- Changelog JSON feed: https://verifymcp.io/servers/dma9527-irs-taxpayer/irs-taxpayer-mcp/changelog.json
- HTML version of this page: https://verifymcp.io/servers/dma9527-irs-taxpayer/irs-taxpayer-mcp