Income Checker
REMOTE · INCOMECHECKER.COM
Income and rent calculators, pay stub math checks, and bank-based income analysis tools.
Available components
Last scanned (3 hours ago)
Scores higher than 61% of remote servers
Reachable. Last reached 18 Oct 2026.
Category Finance and Payments
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. How we score → Why this is hard to score →
Endpoint Security80
- The endpoint's TLS certificate is valid, in date, and uses a strong key. View diagnostics → Pass
- No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one. See how to fix → View diagnostics → Partial
- HTTPS is enforced; there's no plaintext access path. View diagnostics → Pass
- The HSTS (Strict-Transport-Security) header is present. View diagnostics → Pass
- DNSSEC check failed: this domain isn't protected by DNSSEC. See how to fix → View diagnostics → Fail
Transport & Reachability100
- Verified streamable-http transport via a live MCP handshake. View diagnostics → Pass
Schema Quality & AI Usability70
- AI-judged instruction clarity (good).Pass
- Tool/resource definitions use about 1186 tokens (~91/item across 13 items; 13 tools + 0 resources), lean.Pass
- Usage-examples check failed: none of the tools include examples. See how to fix → Fail
Stability & Change Management3
- Stability observed for 1 of 30 days with no destabilising changes; credit accrues until the full window elapses.Partial
Tool Coverage85
- 100% of tools have a non-trivial description (not blank, and not just the tool's name).Pass
- 55% of tool parameters carry a description.Partial
Tool Safety83
- No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.Pass
- 1 of 3 tool(s) whose name or description implies an irreversible operation declare an MCP destructiveHint annotation; "monthly_income_from_pay" implies "pay" and declares readOnlyHint instead, contradicting what its own name says it does. See how to fix → Partial
- An AI judge read all 14 captured unit(s) of tool text and found none that tries to manipulate the model reading it.Pass
Capabilities100
- Implements a current MCP spec version (2026-07-28).Pass
Every change we have recorded for this component, newest first. Security-relevant changes are always shown. ▲ marks a change for the better, ▼ a change for the worse; unmarked changes are neutral.
- 18 Oct 26 +1
- Stability: unverified → 0.03 ▲ functional
- 17 Oct 26 70
First indexed and scored.
Diagnostic detail from the automated scan of this channel: what the scanner observed at each step, so you can see exactly where a check passed or failed. It is informational only and never changes the trust score.
Captured 18 Oct 2026 · Probed https://incomechecker.com/mcp
TLS valid
Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .
| Subject | Issuer | Valid from | Valid until | Key | Signature | Serial |
|---|---|---|---|---|---|---|
| CN=incomechecker.com | CN=YR1,O=Let's Encrypt,C=US | 30 Aug 2026 | 28 Nov 2026 | RSA 2048 | SHA256-RSA | 60ec6304a5d0ac19d5cc263602f40160513 |
| SANs: incomechecker.com | ||||||
| CN=YR1,O=Let's Encrypt,C=US (CA) | CN=Root YR,O=ISRG,C=US | 3 Sept 2025 | 2 Sept 2028 | RSA 2048 | SHA256-RSA | a20253f15f2691c05dc1ce13b9bcca4e |
| CN=Root YR,O=ISRG,C=US (CA) | CN=ISRG Root X1,O=Internet Security Research Group,C=US | 13 May 2026 | 2 Sept 2032 | RSA 4096 | SHA256-RSA | f24b6d17f9d9ad7cb1c9fea78782699f |
Background: What to check on a remote MCP endpoint →
DNSSEC insecure
Validation of incomechecker.com. — Not signed
| Zone | DS | Keys | Algorithms | Outcome |
|---|---|---|---|---|
| . | trust_anchor | 20326, 38696 | 8, 8 | Verified |
| com. | present | 19718 | 13 | Verified |
| incomechecker.com. | absent | Unsigned (proven) parent-signed NSEC/NSEC3 proves an unsigned delegation |
Authentication No authorisation required
The endpoint answered without asking for a token. Anyone who knows the URL can reach it.
| Result | No authorisation required |
|---|---|
| HTTP status | 200 |
| Header | Value |
|---|---|
| strict-transport-security | max-age=63072000 |
| permissions-policy | accelerometer=*, encrypted-media=*, geolocation=*, microphone=*, camera=* |
Background: How OAuth 2.1 works in the 2026 MCP spec →
Transports 2 probes
| Transport | URL | Outcome | Status | Location |
|---|---|---|---|---|
| streamable-http | https://incomechecker.com/mcp | Verified | 200 | |
| http (plaintext) | http://incomechecker.com/mcp | HTTPS enforced | 308 | https://incomechecker.com/mcp |
The tools this component advertises to a client, with an estimated token cost for each. Expand a tool to see its parameters and schema. The per-tool counts are indicative and are not scored directly; the schema's total context footprint is one signal in Schema Quality & AI Usability. A tool's description is untrusted text the model reads on every call, which is what makes this list a security surface and not just an inventory: how tool poisoning works →
buy_credits Buy verification credits ~118
Creates a secure Stripe checkout link for a pack of non-expiring verification credits. Packs: 1 for $5.00, 3 for $15.00, 5 for $25.00, 10 for $50.00, 25 for $125.00, 50 for $250.00. Give the user the link to pay; credits are added once payment completes.
| Name | Type | Req | Description |
|---|---|---|---|
| quantity | number | yes | Number of credits: 1, 3, 5, 10, 25, 50 |
No output schema declared.
No examples provided.
check_pay_stub_math Check pay stub math ~214
Checks the figures on a pay stub for internal inconsistencies: gross minus deductions vs net, hours × rate, Social Security and Medicare rates, pay period length, pay date, year-to-date totals, and suspiciously round numbers. Read the numbers off the stub and pass them in. Flags items for follow-up; it does not authenticate a document or prove fraud.
| Name | Type | Req | Description |
|---|---|---|---|
| deductions | array | yes | Every deduction line, e.g. Federal, Social Security, Medicare, State, 401k |
| gross_pay | number | yes | – |
| hourly_rate | number | – | – |
| hours | number | – | – |
| net_pay | number | yes | – |
| pay_date | string | – | YYYY-MM-DD |
| pay_frequency | string | – | – |
| pay_period_end | string | – | YYYY-MM-DD |
| pay_period_start | string | – | YYYY-MM-DD |
| prior_ytd_gross | number | – | YTD gross from the previous stub, if available |
| ytd_gross | number | – | – |
No output schema declared.
No examples provided.
debt_to_income Debt-to-income ratio ~75
Front-end (housing) and back-end debt-to-income ratios with common lender bands.
| Name | Type | Req | Description |
|---|---|---|---|
| monthly_gross_income | number | yes | – |
| monthly_housing | number | yes | Rent or mortgage payment including taxes and insurance |
| other_monthly_debts | number | – | Car, student loan, card minimums, etc. |
No output schema declared.
No examples provided.
get_account My Income Checker account ~24
Shows the signed-in user’s email and how many verification credits they have left.
Input schema present but exposes no named parameters.
No output schema declared.
No examples provided.
get_report Get an income report ~51
Returns the income analysis for a completed verification: estimated monthly income, income sources, other deposits, and account balances. Present figures as estimates, never as verified or approved income.
| Name | Type | Req | Description |
|---|---|---|---|
| verification_id | string | yes | – |
No output schema declared.
No examples provided.
how_to_verify_income How to verify someone’s income ~93
Explains how to check or verify a person’s income (a tenant, applicant, borrower, guarantor, investor, or yourself), including bank-based income analysis, pay stubs, and their limits. Use when someone asks how to verify, check, or prove income.
| Name | Type | Req | Description |
|---|---|---|---|
| audience | string | – | Who is asking: a landlord/property manager, a lender, an individual proving their own income, or other |
No output schema declared.
No examples provided.
list_verifications List my verification requests ~45
Lists the signed-in user’s income verification requests, newest first, with status and report links.
| Name | Type | Req | Description |
|---|---|---|---|
| limit | integer | – | Default 10 |
| status | string | – | – |
No output schema declared.
No examples provided.
monthly_income_from_pay Monthly income from pay ~91
Converts a pay amount (hourly, weekly, every two weeks, twice a month, monthly, or annual) into gross monthly, annual, biweekly, weekly, and hourly income.
| Name | Type | Req | Description |
|---|---|---|---|
| amount | number | yes | Gross pay amount per period, or hourly rate |
| frequency | string | yes | – |
| hours_per_week | number | – | Hours per week, for hourly pay (default 40) |
No output schema declared.
No examples provided.
prorated_rent Prorated rent ~87
Rent owed for a partial first month, from the move-in date through the end of that month.
| Name | Type | Req | Description |
|---|---|---|---|
| method | string | – | actual = rent ÷ days in month (default); year = rent × 12 ÷ 365; banker = rent ÷ 30 |
| monthly_rent | number | yes | – |
| move_in_date | string | yes | YYYY-MM-DD |
No output schema declared.
No examples provided.
rent_affordability How much rent can I afford ~80
Affordable rent from gross monthly income using the 30% rule, the 3x-rent rule, a 25-30% comfortable range capped at 36% total debt, and 50/30/20.
| Name | Type | Req | Description |
|---|---|---|---|
| monthly_debts | number | – | Monthly debt payments excluding rent |
| monthly_gross_income | number | yes | – |
No output schema declared.
No examples provided.
rent_to_income Rent-to-income ratio ~79
Income needed for a given rent (2.5x, 3x, 3.5x rules), the max rent for a given income at 3x, or the rent-to-income ratio when both are given. Pass monthly figures.
| Name | Type | Req | Description |
|---|---|---|---|
| monthly_income | number | – | Gross monthly income |
| monthly_rent | number | – | – |
No output schema declared.
No examples provided.
send_verification_request Send an income verification request ~132
Uses one credit to create a bank-based income check and emails the applicant a secure link to connect their bank through Plaid. Confirm the applicant’s name and email with the user before calling. The report is ready after the applicant connects; check it with list_verifications or get_report.
| Name | Type | Req | Description |
|---|---|---|---|
| applicant_email | string | yes | – |
| applicant_name | string | yes | – |
| purpose | string | – | Optional reason shown to the applicant, e.g. "Rental application for 12 Oak St" |
| requested_by_name | string | – | Name or company shown as the requester; defaults to the account’s company name |
No output schema declared.
No examples provided.
start_income_verification Start a bank-based income check ~55
Returns the link and steps to request a bank-based income report from Income Checker for a tenant, applicant, borrower, or yourself. Use when the user wants to actually verify or check someone’s income, not just learn how.
Input schema present but exposes no named parameters.
No output schema declared.
No examples provided.
How do I install the Income Checker MCP server?
Income Checker is a hosted endpoint at https://incomechecker.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.
remote · incomechecker.com
claude mcp add --transport http tariqlearnstocode-incomechecker 'https://incomechecker.com/mcp'
What is the Income Checker MCP server?
Income Checker is an MCP server listed in the public MCP registry as io.github.Tariqlearnstocode/incomechecker. Income and rent calculators, pay stub math checks, and bank-based income analysis tools. This page covers its hosted endpoint (https://incomechecker.com/mcp).
Is the Income Checker MCP server safe to use?
Income Checker scores 71 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 Income Checker MCP server expose?
Income Checker exposes 13 tools: how_to_verify_income, start_income_verification, monthly_income_from_pay, rent_to_income, rent_affordability, and 8 more. Their descriptions and schemas cost roughly 1,144 tokens of context every time the server is loaded.
Does the Income Checker MCP server require authentication?
No. We connected to Income Checker without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.
Is the Income Checker MCP server still maintained?
Income Checker is still listed as active in the MCP registry. We last reached this channel on 18 October 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.