# QuarterWise 1099 Tax Planner (remote · self-employment-tax.zovo.one)

A self employment tax calculator and quarterly estimated tax planner for 2026.

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

## Components

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

## Channel facts

- Endpoint: `https://self-employment-tax.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**: 69/100
  - 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 2936 tokens (~734/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 QuarterWise 1099 Tax Planner MCP server?

QuarterWise 1099 Tax Planner is a hosted endpoint at https://self-employment-tax.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-self-employment-tax 'https://self-employment-tax.zovo.one/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "theluckystrike-self-employment-tax": {
      "url": "https://self-employment-tax.zovo.one/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "theluckystrike-self-employment-tax": {
      "type": "http",
      "url": "https://self-employment-tax.zovo.one/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.theluckystrike-self-employment-tax]
url = "https://self-employment-tax.zovo.one/mcp"
```

### opencode

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

### OpenClaw

```bash
openclaw mcp add theluckystrike-self-employment-tax --url 'https://self-employment-tax.zovo.one/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  theluckystrike-self-employment-tax:
    url: "https://self-employment-tax.zovo.one/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "theluckystrike-self-employment-tax": {
      "Transport": "http",
      "Url": "https://self-employment-tax.zovo.one/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add theluckystrike-self-employment-tax -t streamable-http -u 'https://self-employment-tax.zovo.one/mcp'
```

### Other

```json
{
  "mcpServers": {
    "theluckystrike-self-employment-tax": {
      "type": "http",
      "url": "https://self-employment-tax.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_self_employment_tax` (~1157 tokens)

Calculate self-employment tax

Use this when the user asks how much self-employment tax or total federal tax they owe for 2026 on 1099 income: a self employment tax calculator or 1099 tax calculator, 'I made 60k on 1099, how much do I owe', 'how much to set aside for taxes as a freelancer', DoorDash/Uber/Etsy gig income taxes, or 1099 income on top of a W-2 job. Computes Schedule SE self-employment tax (92.35% of net profit, 12.4% Social Security up to the $184,500 wage base minus W-2 wages, 2.9% Medicare, 0.9% Additional Medicare Tax), the deductible half, the QBI deduction, 2026 federal income tax with the standard deduction and child tax credit, withholding offset, and the percent of profit to set aside. Returns a PDF worksheet and a calendar file. For whether quarterly payments are needed, how much to pay each quarter, safe-harbor amounts, or a missed payment, use plan_quarterly_payments. Federal only; does not file taxes, compute state tax, or give tax advice. Do not use for explaining what a 1099 form is or for filing a return.

Input parameters:

- `age_65_or_older_count` (integer): How many filers are 65 or older by the end of 2026 (born before Jan 2, 1962), e.g. 1. Adds the extra standard deduction and the $6,000 senior deduction.
- `business_expenses` (number): Deductible 2026 business expenses in USD (Schedule C), e.g. 12000 for mileage, phone, software, home office. Expenses larger than income create a loss.
- `business_w2_wages_paid` (number): W-2 wages the business paid to employees in 2026 in USD, e.g. 0 for a solo freelancer. Only used for the QBI wage limit above the threshold.
- `cash_charitable_donations` (number): Cash gifts to charity in USD, e.g. 500. Non-itemizers deduct up to $1,000 ($2,000 joint) starting in 2026.
- `children_under_17` (integer): Qualifying children under 17 at the end of 2026 for the $2,200 child tax credit, e.g. 2.
- `federal_withholding` (number): Federal income tax expected to be withheld from 2026 paychecks (W-2 box 2), for both spouses if joint, e.g. 4500.
- `filing_status` (string, required): 2026 federal filing status, e.g. single. Values: single, married_joint, married_separate, head_of_household, qualifying_surviving_spouse.
- `is_specified_service_business` (boolean): Only matters when taxable income is above the 2026 QBI threshold ($201,750; $403,500 joint): true for a specified service business (consulting, health, law, accounting, financial services, performing…
- `itemized_deductions` (number): Total itemized deductions in USD if the user itemizes, e.g. 35000. The larger of this and the 2026 standard deduction is used.
- `other_credits` (number): Other nonrefundable credits the user already knows in USD, e.g. 1000 (child care or education credits).
- `other_income` (number): Other taxable income taxed at ordinary rates in USD, e.g. 1200 of interest or unemployment. Long-term capital gains and qualified dividends are not supported.
- `qbi_eligible` (boolean): Whether the business qualifies for the 20% qualified business income (QBI) deduction, e.g. true (default). Set false to leave it out.
- `retirement_contributions` (number): Deductible SEP-IRA or solo 401(k) contributions for 2026 in USD, e.g. 10000. Contribution limits are not checked.
- `self_employed_health_insurance` (number): Self-employed health insurance premiums paid in 2026 in USD, e.g. 6000 (deduction, capped at business profit).
- `self_employment_income` (number): Expected 2026 gross 1099 / self-employment income in USD before expenses, e.g. 85000 (freelance, contractor, DoorDash, Uber, Etsy). If the user only knows net profit, put it here and leave business_e…
- `spouse_business_expenses` (number): married_joint only: spouse's business expenses in USD, e.g. 4000.
- `spouse_self_employment_income` (number): married_joint only: spouse's gross self-employment income in USD, e.g. 30000. Each spouse's self-employment tax is figured separately.
- `spouse_w2_wages` (number): married_joint only: spouse's W-2 wages in USD, e.g. 65000.
- `state` (string): Two-letter US state code, e.g. TX. Only used to say whether state income tax applies; state tax is not calculated.
- `w2_wages` (number): 2026 W-2 wages from a job (Social Security wages, box 3) in USD, e.g. 40000. These reduce the room under the $184,500 Social Security wage base.

Output parameters:

- `assumptions` (array)
- `disclaimer` (string)
- `downloads` (object)
- `filing_status` (string)
- `filing_status_label` (string)
- `income` (object)
- `income_tax` (object)
- `kind` (string)
- `plan` (object)
- `request`
- `self_employment_tax` (object)
- `state` (object)
- `summary` (object)
- `tax_year` (number)
- `warnings` (array)
- `waterfall` (array)

### `plan_quarterly_payments` (~1418 tokens)

Plan quarterly estimated tax payments

Use this when the user asks whether they need to make quarterly or estimated tax payments for 2026 (Form 1040-ES), how much to pay each quarter, the safe-harbor amount to avoid an underpayment penalty, or how to catch up after a missed payment ('I missed my Q2 estimated payment'), including W-2 workers with 1099 side income who ask 'do I need quarterly payments'. Compares 90% of the 2026 estimate with the 2025 tax (100%, or 110% if 2025 AGI was over $150,000), subtracts W-2 withholding and payments already made, applies the $1,000 rule, and returns the amount for each due date (Apr 15, Jun 15, Sep 15, 2026; Jan 15, 2027) with past-due status, a calendar file with reminders, and a PDF worksheet. Federal only; does not compute the penalty amount, make payments, or give tax advice. Do not use for paying the IRS online or logging in to tax software.

Input parameters:

- `age_65_or_older_count` (integer): How many filers are 65 or older by the end of 2026 (born before Jan 2, 1962), e.g. 1. Adds the extra standard deduction and the $6,000 senior deduction.
- `as_of_date` (string): Today's date as YYYY-MM-DD, e.g. 2026-10-03. Due dates before it count as past due. Defaults to today.
- `business_expenses` (number): Deductible 2026 business expenses in USD (Schedule C), e.g. 12000 for mileage, phone, software, home office. Expenses larger than income create a loss.
- `business_w2_wages_paid` (number): W-2 wages the business paid to employees in 2026 in USD, e.g. 0 for a solo freelancer. Only used for the QBI wage limit above the threshold.
- `cash_charitable_donations` (number): Cash gifts to charity in USD, e.g. 500. Non-itemizers deduct up to $1,000 ($2,000 joint) starting in 2026.
- `children_under_17` (integer): Qualifying children under 17 at the end of 2026 for the $2,200 child tax credit, e.g. 2.
- `estimated_payments_already_made` (number): 2026 estimated tax payments already sent to the IRS in USD, in total, e.g. 3000. Used for catch-up after a missed payment.
- `federal_withholding` (number): Federal income tax expected to be withheld from 2026 paychecks (W-2 box 2), for both spouses if joint, e.g. 4500.
- `filing_status` (string, required): 2026 federal filing status, e.g. single. Values: single, married_joint, married_separate, head_of_household, qualifying_surviving_spouse.
- `is_specified_service_business` (boolean): Only matters when taxable income is above the 2026 QBI threshold ($201,750; $403,500 joint): true for a specified service business (consulting, health, law, accounting, financial services, performing…
- `itemized_deductions` (number): Total itemized deductions in USD if the user itemizes, e.g. 35000. The larger of this and the 2026 standard deduction is used.
- `other_credits` (number): Other nonrefundable credits the user already knows in USD, e.g. 1000 (child care or education credits).
- `other_income` (number): Other taxable income taxed at ordinary rates in USD, e.g. 1200 of interest or unemployment. Long-term capital gains and qualified dividends are not supported.
- `payment_target` (string): avoid_penalty (default) pays the minimum safe-harbor amount from Form 1040-ES; pay_full_estimate pays the whole estimated balance so little is owed at filing.
- `prior_year_agi` (number): Adjusted gross income on the 2025 return in USD, e.g. 160000. Over $150,000 ($75,000 married filing separately) the safe harbor is 110%.
- `prior_year_tax` (number): Total tax on the 2025 return (Form 1040 line 24) in USD, e.g. 9800. Enables the prior-year safe harbor: 100% of it, or 110% if 2025 AGI was over $150,000 ($75,000 married filing separately), so also…
- `qbi_eligible` (boolean): Whether the business qualifies for the 20% qualified business income (QBI) deduction, e.g. true (default). Set false to leave it out.
- `reminder_days_before` (integer): Calendar reminder this many days before each due date, e.g. 3 (default).
- `retirement_contributions` (number): Deductible SEP-IRA or solo 401(k) contributions for 2026 in USD, e.g. 10000. Contribution limits are not checked.
- `self_employed_health_insurance` (number): Self-employed health insurance premiums paid in 2026 in USD, e.g. 6000 (deduction, capped at business profit).
- `self_employment_income` (number): Expected 2026 gross 1099 / self-employment income in USD before expenses, e.g. 85000 (freelance, contractor, DoorDash, Uber, Etsy). If the user only knows net profit, put it here and leave business_e…
- `spouse_business_expenses` (number): married_joint only: spouse's business expenses in USD, e.g. 4000.
- `spouse_self_employment_income` (number): married_joint only: spouse's gross self-employment income in USD, e.g. 30000. Each spouse's self-employment tax is figured separately.
- `spouse_w2_wages` (number): married_joint only: spouse's W-2 wages in USD, e.g. 65000.
- `state` (string): Two-letter US state code, e.g. TX. Only used to say whether state income tax applies; state tax is not calculated.
- `w2_wages` (number): 2026 W-2 wages from a job (Social Security wages, box 3) in USD, e.g. 40000. These reduce the room under the $184,500 Social Security wage base.

Output parameters:

- `assumptions` (array)
- `disclaimer` (string)
- `downloads` (object)
- `filing_status` (string)
- `filing_status_label` (string)
- `income` (object)
- `income_tax` (object)
- `kind` (string)
- `plan` (object)
- `request`
- `self_employment_tax` (object)
- `state` (object)
- `summary` (object)
- `tax_year` (number)
- `warnings` (array)
- `waterfall` (array)

### `find_estimated_tax_due_dates` (~224 tokens)

Find estimated tax due dates

Use this when the user wants the quarterly estimated tax payment due dates for 2026 (tax year 2026: Apr 15, Jun 15, Sep 15, 2026 and Jan 15, 2027), which dates are past or next, the income period each payment covers, or calendar reminders (.ics) for those dates, with no income figures. Returns each date, days until it, and a calendar file. Does not calculate how much to pay; for amounts use plan_quarterly_payments. Do not use for state due dates or filing deadlines for the annual return.

Input parameters:

- `as_of_date` (string): Today's date as YYYY-MM-DD, e.g. 2026-10-03, to mark past and upcoming due dates. Defaults to today.
- `quarterly_amount` (number): Optional amount to show on each payment reminder in USD, e.g. 2500.
- `reminder_days_before` (integer): Calendar reminder this many days before each due date, e.g. 3 (default).

Output parameters:

- `as_of_date` (string)
- `downloads` (object)
- `kind` (string)
- `next_due` (string|null)
- `q4_note` (string)
- `quarterly_amount` (number|null)
- `quarters` (array)
- `tax_year` (number)

## Diagnostics

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

## Score history

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

## Common questions

### What is the QuarterWise 1099 Tax Planner MCP server?

QuarterWise 1099 Tax Planner is an MCP server listed in the public MCP registry as io.github.theluckystrike/self-employment-tax. A self employment tax calculator and quarterly estimated tax planner for 2026. This page covers its hosted endpoint (https://self-employment-tax.zovo.one/mcp).

### Is the QuarterWise 1099 Tax Planner MCP server safe to use?

QuarterWise 1099 Tax Planner 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 QuarterWise 1099 Tax Planner MCP server expose?

QuarterWise 1099 Tax Planner exposes 3 tools: calculate_self_employment_tax, plan_quarterly_payments, find_estimated_tax_due_dates. Their descriptions and schemas cost roughly 2,799 tokens of context every time the server is loaded.

### Does the QuarterWise 1099 Tax Planner MCP server require authentication?

No. We connected to QuarterWise 1099 Tax Planner without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the QuarterWise 1099 Tax Planner MCP server still maintained?

QuarterWise 1099 Tax Planner 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://self-employment-tax.zovo.one/mcp
- Website: https://self-employment-tax.zovo.one/
- Changelog RSS feed: https://verifymcp.io/servers/theluckystrike-self-employment-tax/self-employment-tax.xml
- Changelog JSON feed: https://verifymcp.io/servers/theluckystrike-self-employment-tax/self-employment-tax.json
- HTML version of this page: https://verifymcp.io/servers/theluckystrike-self-employment-tax/self-employment-tax