# TakeHome API (remote · api.takehomeapi.com)

Verified UK take-home pay: income tax, NI, student loans, pensions, with GOV.UK sources.

- Trust score: 83/100 (high trust)
- Change this week: +3
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `api.takehomeapi.com`: 83/100 (this document), [markdown](https://verifymcp.io/servers/leeday-devs-takehomeapi/api.md), [page](https://verifymcp.io/servers/leeday-devs-takehomeapi/api)

## Channel facts

- Endpoint: `https://api.takehomeapi.com/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.1`

## 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 2026-11-05.

- **Endpoint Security**: 80/100
  - 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 is enforced; there's no plaintext access path.
  - The HSTS (Strict-Transport-Security) header is present.
  - 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**: 69/100
  - AI-judged instruction clarity (good).
  - Tool/resource definitions use about 249 tokens (~83/item across 3 items; 3 tools + 0 resources), lean.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 97/100
  - Stability observed for 29 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 67/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 0% 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 3 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a current MCP spec version (2026-07-28).

## Install

### How do I install the TakeHome API MCP server?

TakeHome API is a hosted endpoint at https://api.takehomeapi.com/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 leeday-devs-takehomeapi 'https://api.takehomeapi.com/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "leeday-devs-takehomeapi": {
      "url": "https://api.takehomeapi.com/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "leeday-devs-takehomeapi": {
      "type": "http",
      "url": "https://api.takehomeapi.com/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.leeday-devs-takehomeapi]
url = "https://api.takehomeapi.com/mcp"
```

### opencode

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

### OpenClaw

```bash
openclaw mcp add leeday-devs-takehomeapi --url 'https://api.takehomeapi.com/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  leeday-devs-takehomeapi:
    url: "https://api.takehomeapi.com/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "leeday-devs-takehomeapi": {
      "Transport": "http",
      "Url": "https://api.takehomeapi.com/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add leeday-devs-takehomeapi -t streamable-http -u 'https://api.takehomeapi.com/mcp'
```

### Other

```json
{
  "mcpServers": {
    "leeday-devs-takehomeapi": {
      "type": "http",
      "url": "https://api.takehomeapi.com/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 83, +1)

No change was recorded against any check on this day. Stability & Change Management went from 90 to 93. That category is still filling its 30-day observation window: 27 days of observed history at the previous scan, 28 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-11-02 (score 82, +1)

No change was recorded against any check on this day. Stability & Change Management went from 83 to 87. That category is still filling its 30-day observation window: 25 days of observed history at the previous scan, 26 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-30 (score 81, +1)

No change was recorded against any check on this day. Stability & Change Management went from 73 to 77. That category is still filling its 30-day observation window: 22 days of observed history at the previous scan, 23 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-28 (score 80, +1)

No change was recorded against any check on this day. Stability & Change Management went from 67 to 70. That category is still filling its 30-day observation window: 20 days of observed history at the previous scan, 21 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-26 (score 79, +1)

No change was recorded against any check on this day. Stability & Change Management went from 60 to 63. That category is still filling its 30-day observation window: 18 days of observed history at the previous scan, 19 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-24 (score 78, +1)

No change was recorded against any check on this day. Stability & Change Management went from 53 to 57. That category is still filling its 30-day observation window: 16 days of observed history at the previous scan, 17 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-22 (score 77, +1)

No change was recorded against any check on this day. Stability & Change Management went from 47 to 50. That category is still filling its 30-day observation window: 14 days of observed history at the previous scan, 15 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-20 (score 76, +1)

No change was recorded against any check on this day. Stability & Change Management went from 40 to 43. That category is still filling its 30-day observation window: 12 days of observed history at the previous scan, 13 at this one. The score rises as the window fills, whether or not the server changes.

## MCP tools (3)

### `get_tax_rates` (~62 tokens)

UK tax rates and thresholds

Income tax bands (England/Wales/NI and Scotland), National Insurance, student loan thresholds and the child benefit charge for a UK tax year. Free. Years: 2025-26, 2026-27.

Input parameters:

- `taxYear` (string)

### `calculate_take_home` (~134 tokens)

UK take-home pay

Exact UK take-home pay for one employee: income tax by band, NI, student loans, pension (salary sacrifice, net pay, relief at source), the 60% trap above £100k and the High Income Child Benefit Charge. Returns net pay per year, month and week, effective and marginal rate, and GOV.UK sources. Use this instead of calculating UK deductions yourself.

Input parameters:

- `childBenefitAnnual` (number)
- `grossSalary` (number, required)
- `pension` (object)
- `region` (string)
- `studentLoans` (array)
- `taxYear` (string)

### `compare_take_home` (~53 tokens)

Compare UK take-home pay scenarios

Compare 2 to 5 UK pay scenarios (pay rises, pension changes, moving to Scotland, student loans) side by side, with the difference in net pay from the first.

Input parameters:

- `scenarios` (array, required)

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/leeday-devs-takehomeapi/api#diagnostics

## Score history

- 2026-11-05: 83
- 2026-11-04: 83
- 2026-11-03: 82
- 2026-11-02: 82
- 2026-11-01: 81
- 2026-10-31: 81
- 2026-10-30: 81
- 2026-10-29: 80
- 2026-10-28: 80
- 2026-10-27: 79
- 2026-10-26: 79
- 2026-10-25: 78
- 2026-10-24: 78
- 2026-10-23: 77
- 2026-10-22: 77
- 2026-10-21: 76
- 2026-10-20: 76
- 2026-10-19: 75
- 2026-10-18: 75
- 2026-10-17: 74
- 2026-10-16: 74
- 2026-10-15: 74
- 2026-10-14: 73
- 2026-10-13: 73
- 2026-10-12: 72
- 2026-10-10: 71

## Common questions

### What is the TakeHome API MCP server?

TakeHome API is an MCP server listed in the public MCP registry as io.github.Leeday-devs/takehomeapi. Verified UK take-home pay: income tax, NI, student loans, pensions, with GOV.UK sources. This page covers its hosted endpoint (https://api.takehomeapi.com/mcp).

### Is the TakeHome API MCP server safe to use?

TakeHome API scores 83 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 TakeHome API MCP server expose?

TakeHome API exposes 3 tools: get_tax_rates, calculate_take_home, compare_take_home. Their descriptions and schemas cost roughly 249 tokens of context every time the server is loaded.

### Does the TakeHome API MCP server require authentication?

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

### Is the TakeHome API MCP server still maintained?

TakeHome API is still listed as active in the MCP registry. We last reached this channel on 5 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://api.takehomeapi.com/mcp
- Website: https://takehomeapi.com/
- Changelog RSS feed: https://verifymcp.io/servers/leeday-devs-takehomeapi/api.xml
- Changelog JSON feed: https://verifymcp.io/servers/leeday-devs-takehomeapi/api.json
- HTML version of this page: https://verifymcp.io/servers/leeday-devs-takehomeapi/api