# Netwise Paycheck Calculator (remote · paycheck-calculator.zovo.one)

2026 paycheck after taxes

- Trust score: 73/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-10-23

## Components

- remote · `paycheck-calculator.zovo.one`: 73/100 (this document), [markdown](https://verifymcp.io/servers/theluckystrike-paycheck-calculator/paycheck-calculator.md), [page](https://verifymcp.io/servers/theluckystrike-paycheck-calculator/paycheck-calculator)

## Channel facts

- Endpoint: `https://paycheck-calculator.zovo.one/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 2026-10-23.

- **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**: 68/100
  - 100% of prompts and resources have a non-trivial description (not blank, and not just the item's name).
  - AI-judged instruction clarity (good).
  - Context-footprint check failed: tool/resource definitions use about 2583 tokens (~645/item across 4 items; 3 tools + 1 resources), over budget; trim descriptions and params.
  - 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**: 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.
  - Structured output schemas are declared (100% of tools); any adoption earns full credit.
- **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 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.
  - Supports UI / widget rendering.

## Install

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

Netwise Paycheck Calculator is a hosted endpoint at https://paycheck-calculator.zovo.one/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 'https://paycheck-calculator.zovo.one/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "theluckystrike-paycheck-calculator": {
      "url": "https://paycheck-calculator.zovo.one/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "theluckystrike-paycheck-calculator": {
      "type": "http",
      "url": "https://paycheck-calculator.zovo.one/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.theluckystrike-paycheck-calculator]
url = "https://paycheck-calculator.zovo.one/mcp"
```

### opencode

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

### OpenClaw

```bash
openclaw mcp add theluckystrike-paycheck-calculator --url 'https://paycheck-calculator.zovo.one/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  theluckystrike-paycheck-calculator:
    url: "https://paycheck-calculator.zovo.one/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "theluckystrike-paycheck-calculator": {
      "Transport": "http",
      "Url": "https://paycheck-calculator.zovo.one/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add theluckystrike-paycheck-calculator -t streamable-http -u 'https://paycheck-calculator.zovo.one/mcp'
```

### Other

```json
{
  "mcpServers": {
    "theluckystrike-paycheck-calculator": {
      "type": "http",
      "url": "https://paycheck-calculator.zovo.one/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.

### 2026-10-23 (score 73, +1)

- [functional improvement] Stability: unverified → 0.03

### 2026-10-22 (score 72)

First indexed and scored.

## MCP tools (3)

### `calculate_paycheck` (~1249 tokens)

Calculate take-home pay

Use this when the user asks 'how much is my paycheck after taxes', wants a paycheck calculator or take home pay calculator for a US job in 2026, or asks what a salary or hourly wage is after tax (e.g. '85k salary after taxes in California', 'what is 75000 a year biweekly after taxes', '$22 an hour 40 hours', 'how much tax comes out of my paycheck'). Computes federal income tax withholding with the IRS Pub. 15-T 2026 percentage method and Form W-4 inputs, Social Security, Medicare, Additional Medicare, state income tax and state payroll taxes (e.g. CA SDI, NJ FLI, WA Cares), pre-tax 401(k)/HSA/health premiums, net pay per check and per year, and effective rates. Returns a PDF estimate and a CSV with one row per 2026 paycheck. Does not run payroll, file tax returns, or produce pay stubs. Do not use to make a pay stub or proof of income.

Input parameters:

- `annual_salary` (number): Yearly salary before taxes in USD, e.g. 85000. Give this, or hourly_rate, or gross_per_paycheck.
- `children_under_17` (integer): Qualifying children under 17 for W-4 Step 3 ($2,200 each in 2026), e.g. 2. Ignored if w4_step3_amount is given.
- `claim_overtime_deduction` (boolean): True to add the 2026 qualified overtime deduction (the 'half' of time-and-a-half, up to $12,500 or $25,000 married) to W-4 Step 4(b), as the 2026 W-4 worksheet allows. Needs hourly_rate and overtime…
- `filing_status` (string): Form W-4 Step 1(c) filing status: single (or married filing separately, default), married (filing jointly), head_of_household.
- `gross_per_paycheck` (number): Gross pay per paycheck in USD before any deductions, e.g. 3200. Use instead of a salary or hourly rate.
- `health_insurance_per_paycheck` (number): Pre-tax (section 125) health, dental and vision premiums and FSA per paycheck in USD, e.g. 120.
- `hourly_rate` (number): Hourly wage in USD, e.g. 22 for $22 an hour. Combine with hours_per_week.
- `hours_per_week` (number): Regular hours worked per week for hourly pay, e.g. 40. Defaults to 40.
- `hsa_per_paycheck` (number): HSA contribution through payroll per paycheck in USD, e.g. 75.
- `k401_per_paycheck` (number): Traditional 401(k) contribution in dollars per paycheck, e.g. 200. Use instead of k401_percent.
- `k401_percent` (number): Traditional (pre-tax) 401(k) or 403(b) contribution as a percent of gross pay, e.g. 6 for 6%.
- `label` (string): Short name for this scenario, e.g. 'Austin offer' or '401k at 10%'.
- `locality` (string): Optional local tax area where the state supports it, e.g. nyc, yonkers, philadelphia, or a Maryland or Indiana county such as montgomery or marion.
- `other_dependents` (integer): Other dependents for W-4 Step 3 ($500 each), e.g. 1.
- `overtime_hours_per_week` (number): Overtime hours per week paid at overtime_multiplier, e.g. 5. Defaults to 0.
- `overtime_multiplier` (number): Overtime pay multiplier, e.g. 1.5 for time-and-a-half (default) or 2 for double time.
- `pay_frequency` (string): How often you are paid: weekly (52), biweekly (26, every two weeks, default), semimonthly (24, twice a month), monthly (12).
- `roth_401k_percent` (number): Roth 401(k) (after-tax) contribution as a percent of gross pay, e.g. 4.
- `state` (string): US state where you work and live, as a code or name, e.g. CA, Texas, New Jersey, NYC. Omit for federal only.
- `state_additional_withholding` (number): Extra state withholding per paycheck in USD, e.g. 20.
- `state_allowances` (integer): Allowances or exemptions claimed on the state withholding form (state W-4), e.g. 1. Defaults depend on the state.
- `state_filing_status` (string): State withholding form status when it differs from the federal one, e.g. NJ 'B', CT 'A', AZ '2.0' (percent). Usually omit.
- `w4_step2_checked` (boolean): True if the Form W-4 Step 2 box is checked (two jobs, or married and the spouse also works). Default false.
- `w4_step3_amount` (number): Total dollar amount on W-4 Step 3 (dependents and other credits), e.g. 4400.
- `w4_step4a_other_income` (number): W-4 Step 4(a) other income per year (not from jobs), e.g. 2000.
- `w4_step4b_deductions` (number): W-4 Step 4(b) deductions per year, e.g. 5000.
- `w4_step4c_extra_withholding` (number): W-4 Step 4(c) extra federal withholding per paycheck, e.g. 50.
- `ytd_gross_before_this_check` (number): Gross pay already received from this job earlier in 2026, e.g. 150000. Only matters near the Social Security wage base or the $200,000 Additional Medicare threshold.

Output parameters:

- `checks_per_year` (number)
- `downloads` (object)
- `effective_federal_rate` (number)
- `effective_state_rate` (number|null)
- `effective_tax_rate` (number)
- `federal_bracket` (number)
- `gross_per_check` (number)
- `gross_per_year` (number)
- `label` (string)
- `lines` (array)
- `net_per_check` (number)
- `net_per_year` (number)
- `notes` (array)
- `pay_frequency` (string)
- `state` (string|null)
- `state_method` (string)
- `state_supported` (boolean)
- `taxes_per_check` (number)
- `taxes_per_year` (number)

### `compare_paychecks` (~250 tokens)

Compare two paychecks

Use this when the user wants to compare take-home pay for two US paycheck scenarios in 2026 side by side: 'should I take the job in Texas or California after taxes', two job offers in different states or cities, a raise, a different pay frequency, or 'how much more per paycheck if I raise my 401k to 10%'. Give scenario a in full and scenario b with only the fields that change (everything else is copied from a). Returns both breakdowns (federal withholding, FICA, state taxes, net per check and per year) and the difference, plus a side-by-side PDF and a CSV. Does not compare cost of living, benefits, or run payroll.

Input parameters:

- `a` (object): Scenario A in full, e.g. {annual_salary: 95000, state: 'TX', pay_frequency: 'biweekly', label: 'Austin'}.
- `b` (object): Scenario B: only the fields that differ from A, e.g. {annual_salary: 110000, state: 'NY', locality: 'nyc', label: 'NYC'}. Set a field to null to remove it from B.

Output parameters:

- `a` (object)
- `b` (object)
- `difference` (object)
- `downloads` (object)
- `notes` (array)

### `calculate_gross_up` (~960 tokens)

Find salary for a take-home target

Use this when the user knows the take-home pay they want and asks what salary or hourly rate they need in 2026, e.g. 'what salary do I need to take home $5,000 a month in New Jersey' or 'gross up $2,000 net biweekly'. Solves for the gross pay whose net pay after federal withholding, FICA, state taxes and the given deductions meets the target, using the same 2026 rules as calculate_paycheck. Returns the annual salary, the gross per check, the hourly equivalent if hours_per_week is given, and the full breakdown. Does not gross up bonuses or supplemental wages.

Input parameters:

- `children_under_17` (integer): Qualifying children under 17 for W-4 Step 3 ($2,200 each in 2026), e.g. 2. Ignored if w4_step3_amount is given.
- `filing_status` (string): Form W-4 Step 1(c) filing status: single (or married filing separately, default), married (filing jointly), head_of_household.
- `health_insurance_per_paycheck` (number): Pre-tax (section 125) health, dental and vision premiums and FSA per paycheck in USD, e.g. 120.
- `hours_per_week` (number): Regular hours worked per week for hourly pay, e.g. 40. Defaults to 40.
- `hsa_per_paycheck` (number): HSA contribution through payroll per paycheck in USD, e.g. 75.
- `k401_percent` (number): Traditional (pre-tax) 401(k) or 403(b) contribution as a percent of gross pay, e.g. 6 for 6%.
- `label` (string): Short name for this scenario, e.g. 'Austin offer' or '401k at 10%'.
- `locality` (string): Optional local tax area where the state supports it, e.g. nyc, yonkers, philadelphia, or a Maryland or Indiana county such as montgomery or marion.
- `other_dependents` (integer): Other dependents for W-4 Step 3 ($500 each), e.g. 1.
- `pay_frequency` (string): How often you are paid: weekly (52), biweekly (26, every two weeks, default), semimonthly (24, twice a month), monthly (12).
- `roth_401k_percent` (number): Roth 401(k) (after-tax) contribution as a percent of gross pay, e.g. 4.
- `state` (string): US state where you work and live, as a code or name, e.g. CA, Texas, New Jersey, NYC. Omit for federal only.
- `state_additional_withholding` (number): Extra state withholding per paycheck in USD, e.g. 20.
- `state_allowances` (integer): Allowances or exemptions claimed on the state withholding form (state W-4), e.g. 1. Defaults depend on the state.
- `state_filing_status` (string): State withholding form status when it differs from the federal one, e.g. NJ 'B', CT 'A', AZ '2.0' (percent). Usually omit.
- `target_net_per_paycheck` (number): Wanted take-home pay per paycheck in USD, e.g. 2000.
- `target_net_per_year` (number): Wanted take-home pay per year in USD, e.g. 60000. Use instead of target_net_per_paycheck.
- `w4_step2_checked` (boolean): True if the Form W-4 Step 2 box is checked (two jobs, or married and the spouse also works). Default false.
- `w4_step3_amount` (number): Total dollar amount on W-4 Step 3 (dependents and other credits), e.g. 4400.
- `w4_step4a_other_income` (number): W-4 Step 4(a) other income per year (not from jobs), e.g. 2000.
- `w4_step4b_deductions` (number): W-4 Step 4(b) deductions per year, e.g. 5000.
- `w4_step4c_extra_withholding` (number): W-4 Step 4(c) extra federal withholding per paycheck, e.g. 50.
- `ytd_gross_before_this_check` (number): Gross pay already received from this job earlier in 2026, e.g. 150000. Only matters near the Social Security wage base or the $200,000 Additional Medicare threshold.

Output parameters:

- `annual_salary_needed` (number)
- `checks_per_year` (number)
- `downloads` (object)
- `effective_federal_rate` (number)
- `effective_state_rate` (number|null)
- `effective_tax_rate` (number)
- `federal_bracket` (number)
- `gross_per_check` (number)
- `gross_per_year` (number)
- `hourly_rate_needed` (number|null)
- `label` (string)
- `lines` (array)
- `net_per_check` (number)
- `net_per_year` (number)
- `notes` (array)
- `pay_frequency` (string)
- `state` (string|null)
- `state_method` (string)
- `state_supported` (boolean)
- `target_net_per_check` (number)
- `taxes_per_check` (number)
- `taxes_per_year` (number)

## Diagnostics

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

## Score history

- 2026-10-23: 73
- 2026-10-22: 72

## Common questions

### What is the Netwise Paycheck Calculator MCP server?

Netwise Paycheck Calculator is an MCP server listed in the public MCP registry as io.github.theluckystrike/paycheck-calculator. 2026 paycheck after taxes. This page covers its hosted endpoint (https://paycheck-calculator.zovo.one/mcp).

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

Netwise Paycheck Calculator scores 73 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 Netwise Paycheck Calculator MCP server expose?

Netwise Paycheck Calculator exposes 3 tools: calculate_paycheck, compare_paychecks, calculate_gross_up. Their descriptions and schemas cost roughly 2,459 tokens of context every time the server is loaded.

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

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

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

Netwise Paycheck Calculator is still listed as active in the MCP registry. We last reached this channel on 23 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://paycheck-calculator.zovo.one/mcp
- Website: https://paycheck-calculator.zovo.one/
- Changelog RSS feed: https://verifymcp.io/servers/theluckystrike-paycheck-calculator/paycheck-calculator.xml
- Changelog JSON feed: https://verifymcp.io/servers/theluckystrike-paycheck-calculator/paycheck-calculator.json
- HTML version of this page: https://verifymcp.io/servers/theluckystrike-paycheck-calculator/paycheck-calculator