# Paycheck Calculator (remote · paycheck-calculator-mcp.lipmichal.workers.dev)

Take-home pay for 2025-2026: IRS brackets, FICA wage base and state income tax for 50 states + DC.

- Trust score: 66/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `paycheck-calculator-mcp.lipmichal.workers.dev`: 66/100 (this document), [markdown](https://verifymcp.io/servers/theluckystrike-paycheck-calculator-mcp/paycheck-calculator-mcp.md), [page](https://verifymcp.io/servers/theluckystrike-paycheck-calculator-mcp/paycheck-calculator-mcp)

## Channel facts

- Endpoint: `https://paycheck-calculator-mcp.lipmichal.workers.dev/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 2026-11-05.

- **Endpoint Security**: 63/100
  - 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 enforcement could not be verified: the plaintext port answered with HTTP 405, which proves neither a plaintext path nor enforcement.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - 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**: 65/100
  - AI-judged instruction clarity (excellent).
  - Context-footprint check failed: tool/resource definitions use about 1374 tokens (~274/item across 5 items; 5 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 20/100
  - Stability observed for 6 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 100/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 100% of tool parameters carry a description.
- **Tool Safety**: 75/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - 0 of 1 tool(s) whose name or description implies an irreversible operation declare an MCP destructiveHint annotation; "calculate_take_home_pay" implies "pay" and declares readOnlyHint instead, contradicting what its own name says it does.
  - An AI judge read all 5 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.

## Install

### How do I install the Paycheck Calculator MCP server?

Paycheck Calculator is a hosted endpoint at https://paycheck-calculator-mcp.lipmichal.workers.dev/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 theluckystrike-paycheck-calculator-mcp 'https://paycheck-calculator-mcp.lipmichal.workers.dev/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "theluckystrike-paycheck-calculator-mcp": {
      "url": "https://paycheck-calculator-mcp.lipmichal.workers.dev/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "theluckystrike-paycheck-calculator-mcp": {
      "type": "http",
      "url": "https://paycheck-calculator-mcp.lipmichal.workers.dev/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.theluckystrike-paycheck-calculator-mcp]
url = "https://paycheck-calculator-mcp.lipmichal.workers.dev/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "theluckystrike-paycheck-calculator-mcp": {
      "type": "remote",
      "url": "https://paycheck-calculator-mcp.lipmichal.workers.dev/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add theluckystrike-paycheck-calculator-mcp --url 'https://paycheck-calculator-mcp.lipmichal.workers.dev/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  theluckystrike-paycheck-calculator-mcp:
    url: "https://paycheck-calculator-mcp.lipmichal.workers.dev/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "theluckystrike-paycheck-calculator-mcp": {
      "Transport": "http",
      "Url": "https://paycheck-calculator-mcp.lipmichal.workers.dev/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add theluckystrike-paycheck-calculator-mcp -t streamable-http -u 'https://paycheck-calculator-mcp.lipmichal.workers.dev/mcp'
```

### Other

```json
{
  "mcpServers": {
    "theluckystrike-paycheck-calculator-mcp": {
      "type": "http",
      "url": "https://paycheck-calculator-mcp.lipmichal.workers.dev/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 66, +1)

No change was recorded against any check on this day. Stability & Change Management went from 13 to 17. That category is still filling its 30-day observation window: 4 days of observed history at the previous scan, 5 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-11-02 (score 65, +1)

No change was recorded against any check on this day. Stability & Change Management went from 7 to 10. That category is still filling its 30-day observation window: 2 days of observed history at the previous scan, 3 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-31 (score 64, +1)

- [functional improvement] Stability: unverified → 0.03

### 2026-10-30 (score 63)

First indexed and scored.

## MCP tools (5)

### `calculate_take_home_pay` (~528 tokens)

Paycheck calculator: take-home pay

Calculates take-home (net) pay for a US employee in any of the 50 states or DC for tax year 2025 or 2026: federal income tax from the IRS Rev. Proc. 2024-40 / 2025-32 bracket tables with the One Big Beautiful Bill Act standard deduction ($15,750 single for 2025, $16,100 for 2026), Social Security with the wage base ($176,100 in 2025, $184,500 in 2026), Medicare plus the 0.9% Additional Medicare tax, and state income tax. State tax is exact from each state's 2026 schedule for CA, NY, NJ, IL, PA, GA, NC; other states return a labeled effective-rate estimate (method: "estimate"). Handles pre-tax 401(k) (not FICA-exempt) and payroll HSA (FICA-exempt), and Pennsylvania/New Jersey rules that tax 401(k) or HSA money. Returns per-period and annual figures. Local taxes (NYC etc.) are out of scope. Figures copied from irs.gov and state revenue sites in Oct 2026.

Input parameters:

- `filing_status` (string, required): Federal filing status. Qualifying surviving spouse uses married_filing_jointly.
- `gross_annual` (number): Gross annual pay in USD before any deduction. Give this OR gross_per_period.
- `gross_per_period` (number): Gross pay for one pay period in USD. Multiplied by the periods in pay_frequency.
- `hsa_annual` (number): HSA contribution through payroll (cafeteria plan) for the year in USD. Lowers income tax, Social Security and Medicare.
- `pay_frequency` (string): Pay frequency: weekly (52), biweekly (26, default), semimonthly (24), monthly (12), quarterly (4) or annual (1).
- `pretax_401k_annual` (number): Traditional (pre-tax) 401(k) deferral for the year in USD. Lowers income tax, not FICA. Leave out for Roth.
- `pretax_401k_percent` (number): Traditional 401(k) deferral as a percent of gross (e.g. 6). Use instead of pretax_401k_annual.
- `state` (string, required): US state or DC: two-letter code (CA), name (California) or slug (new-york).
- `tax_year` (number, required): Tax year: 2025 or 2026.

### `compare_states_take_home` (~417 tokens)

Compare take-home pay across states

Runs the same gross pay through 2 to 10 states (or DC) and ranks them by annual take-home pay for tax year 2025 or 2026, showing state income tax, the method for each state (exact 2026 schedule for CA, NY, NJ, IL, PA, GA, NC; labeled estimate elsewhere; no wage income tax in AK, FL, NV, NH, SD, TN, TX, WA, WY) and how far each trails the best. Federal tax and FICA use the IRS 2025/2026 tables and wage base. Use it for relocation and remote-work offers.

Input parameters:

- `filing_status` (string, required): Federal filing status. Qualifying surviving spouse uses married_filing_jointly.
- `gross_annual` (number): Gross annual pay in USD before any deduction. Give this OR gross_per_period.
- `gross_per_period` (number): Gross pay for one pay period in USD. Multiplied by the periods in pay_frequency.
- `hsa_annual` (number): HSA contribution through payroll (cafeteria plan) for the year in USD. Lowers income tax, Social Security and Medicare.
- `pay_frequency` (string): Pay frequency: weekly (52), biweekly (26, default), semimonthly (24), monthly (12), quarterly (4) or annual (1).
- `pretax_401k_annual` (number): Traditional (pre-tax) 401(k) deferral for the year in USD. Lowers income tax, not FICA. Leave out for Roth.
- `pretax_401k_percent` (number): Traditional 401(k) deferral as a percent of gross (e.g. 6). Use instead of pretax_401k_annual.
- `states` (array, required): 2 to 10 states, e.g. ["CA", "TX", "NY"].
- `tax_year` (number, required): Tax year: 2025 or 2026.

### `salary_to_hourly` (~120 tokens)

Salary to hourly rate

Converts an annual salary to an hourly rate and to weekly, biweekly (26), semimonthly (24) and monthly gross pay. Defaults: 40 hours a week, 52 weeks (2,080 hours). Gross pay only; use calculate_take_home_pay for net.

Input parameters:

- `annual_salary` (number, required): Gross annual salary in USD.
- `hours_per_week` (number): Paid hours per week (default 40).
- `weeks_per_year` (number): Paid weeks per year (default 52; paid vacation still counts).

### `hourly_to_salary` (~145 tokens)

Hourly rate to annual salary

Converts an hourly wage to weekly, monthly and annual gross pay, with optional weekly overtime hours at a multiplier (1.5 by default). Defaults: 40 hours a week, 52 weeks. Gross pay only; use calculate_take_home_pay for net.

Input parameters:

- `hourly_rate` (number, required): Hourly wage in USD.
- `hours_per_week` (number): Regular hours per week (default 40).
- `overtime_hours_per_week` (number): Overtime hours per week (default 0).
- `overtime_multiplier` (number): Overtime pay multiplier (default 1.5).
- `weeks_per_year` (number): Paid weeks per year (default 52).

### `get_federal_tax_brackets` (~164 tokens)

Federal income tax brackets and standard deduction

Returns the exact federal income tax brackets (rate, lower and upper bound, tax on lower brackets) and standard deduction for tax year 2025 or 2026 and a filing status, from IRS Rev. Proc. 2024-40 and Rev. Proc. 2025-32, including the One Big Beautiful Bill Act (P.L. 119-21) standard deduction increase for 2025 ($15,750 / $31,500 / $23,625). Also returns the Social Security wage base and Medicare thresholds for that year.

Input parameters:

- `filing_status` (string, required): Federal filing status. Qualifying surviving spouse uses married_filing_jointly.
- `tax_year` (number, required): Tax year: 2025 or 2026.

## Diagnostics

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

## Score history

- 2026-11-05: 66
- 2026-11-04: 66
- 2026-11-03: 65
- 2026-11-02: 65
- 2026-11-01: 64
- 2026-10-31: 64
- 2026-10-30: 63

## Common questions

### What is the Paycheck Calculator MCP server?

Paycheck Calculator is an MCP server listed in the public MCP registry as io.github.theluckystrike/paycheck-calculator-mcp. Take-home pay for 2025-2026: IRS brackets, FICA wage base and state income tax for 50 states + DC. This page covers its hosted endpoint (https://paycheck-calculator-mcp.lipmichal.workers.dev/mcp).

### Is the Paycheck Calculator MCP server safe to use?

Paycheck Calculator scores 66 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 Paycheck Calculator MCP server expose?

Paycheck Calculator exposes 5 tools: calculate_take_home_pay, compare_states_take_home, salary_to_hourly, hourly_to_salary, get_federal_tax_brackets. Their descriptions and schemas cost roughly 1,374 tokens of context every time the server is loaded.

### Does the Paycheck Calculator MCP server require authentication?

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

### Is the Paycheck Calculator MCP server still maintained?

Paycheck Calculator 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://paycheck-calculator-mcp.lipmichal.workers.dev/mcp
- Repository: https://github.com/theluckystrike/paycheck-calculator-mcp
- Website: https://statewage.com/
- Changelog RSS feed: https://verifymcp.io/servers/theluckystrike-paycheck-calculator-mcp/paycheck-calculator-mcp.xml
- Changelog JSON feed: https://verifymcp.io/servers/theluckystrike-paycheck-calculator-mcp/paycheck-calculator-mcp.json
- HTML version of this page: https://verifymcp.io/servers/theluckystrike-paycheck-calculator-mcp/paycheck-calculator-mcp