# StateTakeHome

**Category:** 💻 Developer Tools  
**Repository:** https://github.com/tresor4k/statetakehome-mcp  
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**Installs:** 0  
**Upvotes:** 0  
**Directory Page:** https://allmcps.com/mcp/statetakehome

## Description
US take-home pay calculator by state: federal and state tax, FICA, deductions.

## Claude Desktop Quick Installation
Heuristic fallback — verify the package name and runner against the repository README before running it. Uses `npx` (confidence: low):

```json
"mcpServers": {
  "statetakehome": {
    "command": "npx",
    "args": ["-y","statetakehome"]
  }
}
```

## Documentation & README

# statetakehome-mcp

[![npm version](https://img.shields.io/npm/v/statetakehome-mcp.svg)](https://www.npmjs.com/package/statetakehome-mcp)
[![License: MIT](https://img.shields.io/badge/License-MIT-yellow.svg)](https://opensource.org/licenses/MIT)

A Model Context Protocol (MCP) server that puts a full US paycheck-tax engine directly at your AI assistant's fingertips: federal brackets, all 50 states + DC, FICA, self-employment tax, and capital gains — all for the 2026 tax year, and all sourced from the same engine that powers [statetakehome.com](https://statetakehome.com).

**Why it's different:** most take-home-pay calculators stop at "gross minus taxes." This one also understands the **2026 OBBBA (One Big Beautiful Bill Act)** landscape — the current-year federal brackets and thresholds it ships with already reflect the post-OBBBA baseline, so estimates stay accurate as the rules that shaped the 2026 tax year continue to roll out.

## Quick Start

No installation needed — run it with `npx`.

### Claude Desktop / Claude Code

Add to your MCP config (`claude_desktop_config.json` or `.mcp.json`):

```json
{
  "mcpServers": {
    "statetakehome": {
      "command": "npx",
      "args": ["-y", "statetakehome-mcp"]
    }
  }
}
```

### Cursor

Add to `.cursor/mcp.json`:

```json
{
  "mcpServers": {
    "statetakehome": {
      "command": "npx",
      "args": ["-y", "statetakehome-mcp"]
    }
  }
}
```

Restart your client and the three tools below become available.

## Tools

### 1. `us_take_home_pay`

Net pay for a US W-2 employee: federal income tax, state income tax (all 50 states + DC), Social Security, Medicare, Additional Medicare, and state-specific extras (CA SDI, OR transit tax, etc.). Handles pre-tax 401(k) and health-insurance deductions and returns a per-paycheck breakdown for every pay frequency.

**Example call:**

```json
{
  "gross": 75000,
  "state": "CA",
  "filingStatus": "single"
}
```

**Response (abridged, from the live engine):**

```json
{
  "result": {
    "gross": 75000,
    "federalTax": 7670,
    "stateTax": 2940.85,
    "socialSecurity": 4650,
    "medicare": 1087.5,
    "totalTax": 17323.35,
    "takeHome": 57676.65,
    "effectiveRate": 0.2310,
    "perPaycheck": { "biweekly": 2218.33, "monthly": 4806.39 }
  }
}
```

The same input with `"state": "TX"` (no state income tax) returns `stateTax: 0` and `takeHome: 61592.5` — $3,915.85 higher on the same gross pay.

### 2. `self_employment_tax`

Schedule SE self-employment tax (15.3% on 92.35% of net profit, split into the Social Security and Medicare portions), the 0.9% Additional Medicare surtax, federal income tax, an optional state income tax, and a quarterly estimated-payment figure.

**Example call:**

```json
{
  "netProfit": 90000,
  "filingStatus": "single",
  "state": "TX"
}
```

**Response (abridged, from the live engine):**

```json
{
  "result": {
    "netProfit": 90000,
    "seTax": 12716.6,
    "seTaxDeduction": 6358.3,
    "federalIncomeTax": 9571.17,
    "totalTax": 22287.77,
    "quarterlyEstimate": 5571.94,
    "setAsidePct": 0.2477
  }
}
```

### 3. `capital_gains_tax`

Federal capital gains tax — long-term stacked 0%/15%/20% bands or short-term ordinary rates — plus the 3.8% Net Investment Income Tax (NIIT) above the MAGI threshold, and an optional state estimate (most states tax gains as ordinary income).

**Example call:**

```json
{
  "gain": 50000,
  "ordinaryTaxableIncome": 80000,
  "filingStatus": "single",
  "term": "long"
}
```

**Response (abridged, from the live engine):**

```json
{
  "result": {
    "gain": 50000,
    "taxableGain": 50000,
    "federalTax": 7500,
    "niit": 0,
    "totalTax": 7500,
    "netProceeds": 42500,
    "ltcgRate": 0.15
  }
}
```

## Data & Methodology

- **Tax year:** 2026.
- **Federal brackets & standard deduction:** IRS Rev. Proc. 2025-32.
- **State brackets & standard deductions:** Tax Foundation — *State Individual Income Tax Rates and Brackets*, as of January 1, 2026, cross-checked against individual state Departments of Revenue.
- **FICA:** current Social Security wage base and Medicare rates, including the 0.9% Additional Medicare surtax.
- **Capital gains:** long-term bands and the NIIT threshold per Rev. Proc. 2025-32, cross-checked against Tax Foundation and Schwab.
- Every response includes a `source` block naming the underlying publication and a `reference_url` pointing to the matching calculator on the live site for further reading and methodology notes:
  - https://statetakehome.com/
  - https://statetakehome.com/self-employment-tax-calculator
  - https://statetakehome.com/capital-gains-tax-calculator

The calculation code in this package is the same engine that runs statetakehome.com, kept in sync by hand — it is not a reimplementation.

## Disclaimer

This tool produces estimates for planning purposes only. It is **not tax advice**. Tax situations vary; consult a licensed CPA or tax professional before making financial decisions.

## License

MIT © [tresor4k](https://github.com/tresor4k)