# US Freelancer Tax Calculator 2026 (npm · freelance-tax-mcp)

2026 US freelancer tax: quarterly estimates, SE tax, QBI, mileage, home office, SEP/401k, per diem.

- Trust score: 61/100 (medium)
- Change this week: 0
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- npm · `freelance-tax-mcp`: 61/100 (this document), [markdown](https://verifymcp.io/servers/narwhalthepong-freelance-tax-mcp/freelance-tax-mcp.md), [page](https://verifymcp.io/servers/narwhalthepong-freelance-tax-mcp/freelance-tax-mcp)

## Channel facts

- Registry: `npm`
- Package: `freelance-tax-mcp`
- Version: `1.4.0`
- 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 2026-11-05.

- **Supply Chain Security**: 81/100
  - No malware found by supply-chain analysis.
  - CVE check failed: a known high-severity CVE affects zod 3.25.76, a direct dependency. A fixed version is available.
  - No install/post-install scripts declared.
  - 30 of 93 dependencies flagged as unhealthy.
- **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 7 days ago).
  - Disclosure check failed: no security disclosure policy was found in the source repository.
- **Schema Quality & AI Usability**: 57/100
  - AI-judged instruction clarity (good).
  - Context-footprint check failed: tool/resource definitions use about 2557 tokens (~182/item across 14 items; 14 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 0/100
  - Stability not yet verified: not enough scan history yet (needs a 30-day window).
- **Tool Coverage**: 95/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 86% 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 14 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 14 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.

**Unverified: 1 category.** A category scored 0 because we could not verify it: a data source with nothing on this package, evidence we could not reach, or a check we could not run. We only credit what we can confirm.

## Install

### How do I install the US Freelancer Tax Calculator 2026 MCP server?

US Freelancer Tax Calculator 2026 runs locally as an npm package, launched with npx -y freelance-tax-mcp. 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 narwhalthepong-freelance-tax-mcp -- npx -y freelance-tax-mcp
```

### Cursor

```json
{
  "mcpServers": {
    "narwhalthepong-freelance-tax-mcp": {
      "command": "npx",
      "args": [
        "-y",
        "freelance-tax-mcp"
      ]
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "narwhalthepong-freelance-tax-mcp": {
      "command": "npx",
      "args": [
        "-y",
        "freelance-tax-mcp"
      ]
    }
  }
}
```

### Codex

```bash
codex mcp add narwhalthepong-freelance-tax-mcp -- npx -y freelance-tax-mcp
```

### opencode

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

### OpenClaw

```bash
openclaw mcp add narwhalthepong-freelance-tax-mcp --command npx --arg -y --arg freelance-tax-mcp
```

### Hermes

```yaml
mcp_servers:
  narwhalthepong-freelance-tax-mcp:
    command: "npx"
    args: ["-y", "freelance-tax-mcp"]
```

### Netclaw

```json
{
  "McpServers": {
    "narwhalthepong-freelance-tax-mcp": {
      "Transport": "stdio",
      "Command": "npx",
      "Arguments": [
        "-y",
        "freelance-tax-mcp"
      ]
    }
  }
}
```

### Vellum

```bash
assistant mcp add narwhalthepong-freelance-tax-mcp -t stdio -c npx -a -y freelance-tax-mcp
```

### Other

```json
{
  "mcpServers": {
    "narwhalthepong-freelance-tax-mcp": {
      "command": "npx",
      "args": [
        "-y",
        "freelance-tax-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.

### 2026-10-28 (score 61, +20)

- [security regression] CVE-2023-54404 affects this package: high
- [security regression] Known CVEs: unverified → fail
- [security improvement] Malware scan: unverified → pass
- [functional improvement] Dependency health: unverified → 0.85

### 2026-10-27 (score 41)

First indexed and scored.

## MCP tools (14)

### `estimate` (~259 tokens)

2026 quarterly estimated tax

US federal 2026 estimate for a freelancer or sole proprietor: self-employment tax, income tax, safe-harbor quarterly payment and IRS due dates. Planning estimate, not tax advice.

Input parameters:

- `filing_status` (string): Filing status (default single)
- `months` (integer): Months covered by ytd_profit (1-12)
- `net_profit` (number): Expected 2026 net self-employment profit (Schedule C line 31), USD
- `prior_year_agi` (number): 2025 AGI (over $150k uses the 110% rule)
- `prior_year_tax` (number): 2025 total tax (for the prior-year safe harbor)
- `qbi` (boolean): Apply the simple 20% QBI deduction (default true)
- `spouse_w2_wages` (number): Spouse W-2 wages (mfj)
- `state_rate_pct` (number): Flat state income tax rate % for a rough state estimate
- `w2_wages` (number): Your W-2 wages this year
- `withholding` (number): Federal tax withheld from W-2 pay
- `ytd_profit` (number): Profit so far this year; annualized with months

### `self_employment_tax` (~226 tokens)

2026 self-employment tax

2026 self-employment tax (Schedule SE): 15.3% on 92.35% of net profit (none under $400), Social Security 12.4% up to the $184,500 wage base minus W-2 wages, Medicare 2.9% uncapped, 0.9% Additional Medicare over the filing-status threshold (split SE vs wages), the deductible half, quarterly share and effective rate. Same math as the free web calculator. Planning estimate, not tax advice.

Input parameters:

- `filing_status` (string): Filing status (default single)
- `months` (integer): Months covered by ytd_profit (1-12)
- `net_profit` (number): Expected 2026 net self-employment profit (Schedule C line 31), USD
- `spouse_w2_wages` (number): Spouse W-2 wages (mfj)
- `w2_wages` (number): Your W-2 wages this year
- `ytd_profit` (number): Profit so far this year; annualized with months

### `freelance_hourly_rate` (~292 tokens)

Freelance hourly rate calculator

Hourly and day rate a freelancer needs to take home a target income after tax, business costs, time off, non-billable hours and a slow-month buffer; optionally checks what a given rate pays per year. Defaults match the free web calculator ($60,000 take-home, $6,000 costs, 30% tax, 6 weeks off, 40 h/week, 65% billable, 10% buffer, 8 h day).

Input parameters:

- `billable_pct` (number): Share of hours you can bill % (default 65)
- `buffer_pct` (number): Buffer for slow months and unpaid invoices % (default 10)
- `business_costs` (number): Business costs per year, USD (default 6000)
- `check_rate` (number): Optional: an hourly rate to check what it pays you per year
- `day_hours` (number): Billable hours in a full client day (default 8)
- `hours_per_week` (number): Hours worked per week (default 40)
- `take_home` (number): Income you want to take home per year after tax, USD (default 60000)
- `tax_rate_pct` (number): Estimated tax rate on profit %, default 30 (use the estimate tool for a 2026 figure)
- `weeks_off` (number): Weeks off per year (default 6)

### `qbi_deduction` (~331 tokens)

2026 QBI deduction (Section 199A)

2026 Qualified Business Income deduction (Section 199A, Form 8995 / 8995-A) for one trade or business: 20% of QBI at or below the $201,750 threshold ($403,500 mfj), the phase-in range up to $276,750 ($553,500 mfj) with the SSTB applicable percentage and the W-2 wage / UBIA limit, the SSTB phase-out, 20% of REIT/PTP income and the overall cap of 20% of taxable income minus net capital gain. Same math as the free web calculator. Planning estimate, not tax advice.

Input parameters:

- `filing_status` (string): Filing status (default single)
- `net_capital_gain` (number): Net capital gain (including qualified dividends) for the overall cap
- `qbi` (number, required): Qualified business income from the business (e.g. Schedule C profit minus the deductible half of SE tax, SE health insurance and retirement contributions), USD
- `reit_ptp_income` (number): Qualified REIT dividends plus qualified PTP income
- `sstb` (boolean): Specified service trade or business (health, law, accounting, consulting, financial services, performing arts, athletics, etc.). Default false
- `taxable_income` (number, required): 2026 taxable income BEFORE the QBI deduction, USD
- `ubia` (number): Unadjusted basis immediately after acquisition (UBIA) of qualified property
- `w2_wages` (number): W-2 wages the business paid to employees

### `due_dates` (~41 tokens)

Estimated tax due dates

IRS quarterly estimated tax due dates for a tax year, moved past weekends and DC legal holidays.

Input parameters:

- `year` (integer): Tax year (default 2026)

### `mileage` (~172 tokens)

IRS mileage deduction

Standard mileage deduction priced by the date each mile was driven (2026 business rate 72.5 cents Jan-Jun, 76 cents from Jul 1). Pass trips, or 2026 split totals such as business_jan_jun and business_jul_dec.

Input parameters:

- `business_jan_jun` (number)
- `business_jul_dec` (number)
- `charity_jan_jun` (number)
- `charity_jul_dec` (number)
- `medical_jan_jun` (number)
- `medical_jul_dec` (number)
- `moving_jan_jun` (number)
- `moving_jul_dec` (number)
- `parking_tolls` (number): Business parking and tolls, added on top
- `trips` (array): Trip log

### `mileage_rates` (~18 tokens)

IRS mileage rates

IRS standard mileage rates by period with official sources.

### `home_office` (~312 tokens)

Home office deduction

Home office deduction: simplified ($5/sq ft, up to 300 sq ft) vs regular Form 8829 method, with the business income limit and carryovers. Give home_sqft and costs to compare both.

Input parameters:

- `basis` (number): Home basis for depreciation (building only, not land)
- `direct` (number): Costs only for the office
- `first_month` (number): Month the office was first used (1-12) if this is the first year
- `gross_income` (number): Gross income from the business use of the home
- `home_sqft` (number): Whole home area in sq ft
- `insurance` (number): Homeowner or renter insurance
- `method` (string)
- `months` (number): Months used this year (default 12)
- `mortgage_interest` (number): Home mortgage interest for the year
- `office_sqft` (number, required): Office area in sq ft (regular and exclusive business use)
- `other_expenses` (number): Other business expenses not tied to the home
- `other_home` (number): Other whole-home costs
- `prior_depreciation` (number): Depreciation carryover from last year
- `prior_operating` (number): Carryover of operating costs from last year
- `real_estate_taxes` (number): Real estate taxes
- `rent` (number): Rent
- `repairs` (number): Repairs and maintenance
- `utilities` (number): Utilities

### `retirement_contribution` (~235 tokens)

2026 SEP IRA vs Solo 401(k) max contribution

Most a sole proprietor or single-member LLC owner can put into a SEP IRA vs a Solo 401(k) for 2026 (IRS Pub. 560 rate worksheet, 2026 limits: $72,000 total, $24,500 deferral, $8,000 catch-up at 50+, $11,250 at 60-63), plus estimated income tax saved. Planning estimate, not tax or investment advice.

Input parameters:

- `age_group` (string): Age at the end of 2026 (default under50)
- `bracket` (number): Marginal federal income tax bracket % for the tax-saved estimate (default 22)
- `net_profit` (number, required): 2026 net self-employment profit (Schedule C line 31), USD
- `other_deferrals` (number): 401(k)/403(b) employee deferrals already made at another job this year
- `plan_rate` (number): Employer contribution rate % in the plan (default 25)
- `w2_wages` (number): W-2 wages from another job (uses up the Social Security wage base)

### `per_diem_rates` (~168 tokens)

GSA per diem rates (lodging + M&IE)

Official GSA CONUS per diem rates for FY2026 and FY2027 by ZIP, city or state: lodging maximum by month and the meals and incidentals (M&IE) breakdown. 48 states + DC.

Input parameters:

- `area_index` (integer): Pick one area when a ZIP or city matches several (see alternatives)
- `city` (string): City (with state) if no ZIP
- `date` (string): YYYY-MM-DD to get the lodging rate for that day
- `fiscal_year` (integer): Federal fiscal year (Oct 1 to Sep 30), default current
- `state` (string): 2-letter state code, e.g. NY
- `zip` (string): 5-digit ZIP code of where you stay (most reliable)

### `per_diem_trip` (~212 tokens)

Per diem trip total (employer / federal travel)

Maximum per diem for a trip under GSA/FTR rules: lodging per night by month, M&IE with 75% on the first and last day, minus provided meals at the GSA breakdown amounts.

Input parameters:

- `area_index` (integer): Pick one area when a ZIP or city matches several (see alternatives)
- `breakfasts_provided` (integer)
- `city` (string): City (with state) if no ZIP
- `dinners_provided` (integer)
- `end` (string, required): Last travel day, YYYY-MM-DD
- `lunches_provided` (integer)
- `no_lodging` (boolean): Day trip or no lodging claimed
- `start` (string, required): First travel day, YYYY-MM-DD (Oct 1, 2025 to Sep 30, 2027)
- `state` (string): 2-letter state code, e.g. NY
- `zip` (string): 5-digit ZIP code of where you stay (most reliable)

### `meal_deduction` (~218 tokens)

Self-employed per diem meal deduction (IRS standard meal allowance)

Meal deduction for a self-employed business trip using the federal M&IE rate instead of receipts (IRS Pub. 463): 3/4 on travel days (or full), times the deductible share (50%, or 80% for DOT hours-of-service workers). Planning estimate, not tax advice.

Input parameters:

- `area_index` (integer): Pick one area when a ZIP or city matches several (see alternatives)
- `city` (string): City (with state) if no ZIP
- `end` (string, required): Last travel day, YYYY-MM-DD
- `method` (string): Travel-day rule (default three-quarters)
- `percent` (number): Deductible share % (default 50)
- `start` (string, required): First travel day, YYYY-MM-DD (Oct 1, 2025 to Sep 30, 2027)
- `state` (string): 2-letter state code, e.g. NY
- `zip` (string): 5-digit ZIP code of where you stay (most reliable)

### `mie_breakdown` (~45 tokens)

GSA M&IE breakdown tiers

GSA meals and incidentals tiers (breakfast, lunch, dinner, incidentals, first/last day) for a fiscal year.

Input parameters:

- `fiscal_year` (integer)

### `tax_figures` (~28 tokens)

2026 tax figures and sources

2026 brackets, standard deductions, SE tax figures and official IRS/SSA sources used.

## Diagnostics

Captured diagnostic sections: Provenance, Vulnerabilities, Dependencies. The full working is on the page: https://verifymcp.io/servers/narwhalthepong-freelance-tax-mcp/freelance-tax-mcp#diagnostics

## Score history

- 2026-11-05: 61
- 2026-11-04: 61
- 2026-11-03: 61
- 2026-11-02: 61
- 2026-11-01: 61
- 2026-10-31: 61
- 2026-10-30: 61
- 2026-10-29: 61
- 2026-10-28: 61
- 2026-10-27: 41

## Common questions

### What is the US Freelancer Tax Calculator 2026 MCP server?

US Freelancer Tax Calculator 2026 is an MCP server listed in the public MCP registry as io.github.NarwhalThePong/freelance-tax-mcp. 2026 US freelancer tax: quarterly estimates, SE tax, QBI, mileage, home office, SEP/401k, per diem. This page covers its npm package (freelance-tax-mcp).

### Is the US Freelancer Tax Calculator 2026 MCP server safe to use?

US Freelancer Tax Calculator 2026 scores 61 out of 100 on VerifyMCP. We recorded 1 known advisory against it as of 5 November 2026. It declares no install or post-install scripts. 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 US Freelancer Tax Calculator 2026 MCP server expose?

US Freelancer Tax Calculator 2026 exposes 14 tools: estimate, self_employment_tax, freelance_hourly_rate, qbi_deduction, due_dates, and 9 more. Their descriptions and schemas cost roughly 2,557 tokens of context every time the server is loaded.

### Is the US Freelancer Tax Calculator 2026 MCP server still maintained?

US Freelancer Tax Calculator 2026 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.

### What licence is the US Freelancer Tax Calculator 2026 MCP server under?

US Freelancer Tax Calculator 2026 declares the MIT licence, which is OSI-approved. That covers the source only, and says nothing about the cost of any service it calls.

## Links

- npm package: https://www.npmjs.com/package/freelance-tax-mcp
- Socket report: https://socket.dev/npm/package/freelance-tax-mcp
- Repository: https://github.com/NarwhalThePong/freelance-tax-mcp
- Changelog RSS feed: https://verifymcp.io/servers/narwhalthepong-freelance-tax-mcp/freelance-tax-mcp.xml
- Changelog JSON feed: https://verifymcp.io/servers/narwhalthepong-freelance-tax-mcp/freelance-tax-mcp.json
- HTML version of this page: https://verifymcp.io/servers/narwhalthepong-freelance-tax-mcp/freelance-tax-mcp