# Income Checker (remote · incomechecker.com)

Income and rent calculators, pay stub math checks, and bank-based income analysis tools.

- Trust score: 71/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-10-18

## Components

- remote · `incomechecker.com`: 71/100 (this document), [markdown](https://verifymcp.io/servers/tariqlearnstocode-incomechecker/incomechecker.md), [page](https://verifymcp.io/servers/tariqlearnstocode-incomechecker/incomechecker)

## Channel facts

- Endpoint: `https://incomechecker.com/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 2026-10-18.

- **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**: 70/100
  - AI-judged instruction clarity (good).
  - Tool/resource definitions use about 1186 tokens (~91/item across 13 items; 13 tools + 0 resources), lean.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 3/100
  - Stability observed for 1 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 85/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 55% of tool parameters carry a description.
- **Tool Safety**: 83/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - 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.
  - 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 current MCP spec version (2026-07-28).

## Install

### 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.

### Claude

```bash
claude mcp add --transport http tariqlearnstocode-incomechecker 'https://incomechecker.com/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "tariqlearnstocode-incomechecker": {
      "url": "https://incomechecker.com/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "tariqlearnstocode-incomechecker": {
      "type": "http",
      "url": "https://incomechecker.com/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.tariqlearnstocode-incomechecker]
url = "https://incomechecker.com/mcp"
```

### opencode

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

### OpenClaw

```bash
openclaw mcp add tariqlearnstocode-incomechecker --url 'https://incomechecker.com/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  tariqlearnstocode-incomechecker:
    url: "https://incomechecker.com/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "tariqlearnstocode-incomechecker": {
      "Transport": "http",
      "Url": "https://incomechecker.com/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add tariqlearnstocode-incomechecker -t streamable-http -u 'https://incomechecker.com/mcp'
```

### Other

```json
{
  "mcpServers": {
    "tariqlearnstocode-incomechecker": {
      "type": "http",
      "url": "https://incomechecker.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.

### 2026-10-18 (score 71, +1)

- [functional improvement] Stability: unverified → 0.03

### 2026-10-17 (score 70)

First indexed and scored.

## MCP tools (13)

### `how_to_verify_income` (~93 tokens)

How to verify someone’s income

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.

Input parameters:

- `audience` (string): Who is asking: a landlord/property manager, a lender, an individual proving their own income, or other

### `start_income_verification` (~55 tokens)

Start a bank-based income check

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.

### `monthly_income_from_pay` (~91 tokens)

Monthly income from pay

Converts a pay amount (hourly, weekly, every two weeks, twice a month, monthly, or annual) into gross monthly, annual, biweekly, weekly, and hourly income.

Input parameters:

- `amount` (number, required): Gross pay amount per period, or hourly rate
- `frequency` (string, required)
- `hours_per_week` (number): Hours per week, for hourly pay (default 40)

### `rent_to_income` (~79 tokens)

Rent-to-income ratio

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.

Input parameters:

- `monthly_income` (number): Gross monthly income
- `monthly_rent` (number)

### `rent_affordability` (~80 tokens)

How much rent can I afford

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.

Input parameters:

- `monthly_debts` (number): Monthly debt payments excluding rent
- `monthly_gross_income` (number, required)

### `debt_to_income` (~75 tokens)

Debt-to-income ratio

Front-end (housing) and back-end debt-to-income ratios with common lender bands.

Input parameters:

- `monthly_gross_income` (number, required)
- `monthly_housing` (number, required): Rent or mortgage payment including taxes and insurance
- `other_monthly_debts` (number): Car, student loan, card minimums, etc.

### `prorated_rent` (~87 tokens)

Prorated rent

Rent owed for a partial first month, from the move-in date through the end of that month.

Input parameters:

- `method` (string): actual = rent ÷ days in month (default); year = rent × 12 ÷ 365; banker = rent ÷ 30
- `monthly_rent` (number, required)
- `move_in_date` (string, required): YYYY-MM-DD

### `check_pay_stub_math` (~214 tokens)

Check pay stub math

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.

Input parameters:

- `deductions` (array, required): Every deduction line, e.g. Federal, Social Security, Medicare, State, 401k
- `gross_pay` (number, required)
- `hourly_rate` (number)
- `hours` (number)
- `net_pay` (number, required)
- `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)

### `get_account` (~24 tokens)

My Income Checker account

Shows the signed-in user’s email and how many verification credits they have left.

### `buy_credits` (~118 tokens)

Buy verification credits

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.

Input parameters:

- `quantity` (number, required): Number of credits: 1, 3, 5, 10, 25, 50

### `send_verification_request` (~132 tokens)

Send an income verification request

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.

Input parameters:

- `applicant_email` (string, required)
- `applicant_name` (string, required)
- `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

### `list_verifications` (~45 tokens)

List my verification requests

Lists the signed-in user’s income verification requests, newest first, with status and report links.

Input parameters:

- `limit` (integer): Default 10
- `status` (string)

### `get_report` (~51 tokens)

Get an income report

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.

Input parameters:

- `verification_id` (string, required)

## Diagnostics

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

## Score history

- 2026-10-18: 71
- 2026-10-17: 70

## Common questions

### 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.

## Links

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