Irs Taxpayer vs Lunch Money
A side-by-side look at the Irs Taxpayer and Lunch Money MCP servers: transport, auth, tools, quality signals, and the config to install either one in Claude, Cursor, Windsurf or VS Code.
Verdict: choose Irs Taxpayer for finance & fintech work as a local process; choose Lunch Money for finance & fintech as a local process. You can also run both side by side in one mcpServers block.
Which MCP server should you choose?
Choose Irs Taxpayer when
- You need dedicated capabilities in the Finance & Fintech domain.
- You prefer a local stdio subprocess transport.
- You want tools like
calculate_federal_tax, get_tax_brackets, compare_filing_statuses.
Choose Lunch Money when
- You need dedicated capabilities in the Finance & Fintech domain.
- You prefer a local stdio subprocess transport.
- You have the keys it needs:
LUNCHMONEY_API_TOKEN. - You want tools like
get_user, get_all_categories, get_single_category.
Feature & specification comparison
Rows where the two servers differ are marked.
| Spec | ||
|---|---|---|
| Category | Finance & Fintech | Finance & Fintech |
| Quality signal | 63/100 · Good | 65/100 · Great |
| Install command | Confirmed | Confirmed |
| Transport | Local subprocess (stdio) | Local subprocess (stdio) |
| Auth | Not declared | Not declared |
| Pricing | Not declared | Not declared |
| Required env vars | None listed | LUNCHMONEY_API_TOKEN |
| Verified owner | Community listing | Community listing |
| GitHub stars | 13 | 109 |
| Directory activity | 1 views 0 installs 0 upvotes | 1 views 0 installs 0 upvotes |
| Tools | 44 | 59 |
| Full listing | View Irs Taxpayer | View Lunch Money |
Tools & capabilities
Irs Taxpayer tools 44
calculate_federal_taxCalculate federal income tax for an individual taxpayer. Supports TY2024 through TY2026. Includes bracket breakdown, effective/marginal rates, SE tax, NIIT, Additional Medicare Tax, QBI deduction, capital gains, and child tax credit. All calculations run locally — no data is sent to any server.get_tax_bracketsGet federal income tax brackets and standard deduction for a given tax year and filing status.compare_filing_statusesCompare tax liability across different filing statuses for the same income. Helps determine the most advantageous filing status.estimate_quarterly_taxCalculate estimated quarterly tax payments (Form 1040-ES) for self-employed or other taxpayers who need to make estimated payments.calculate_total_taxCalculate combined federal + state tax for a complete picture of total tax liability. Returns federal breakdown, state tax, and combined totals in one call.calculate_w4_withholdingCalculate recommended W-4 withholding settings. Estimates per-paycheck federal tax and provides step-by-step W-4 form recommendations.list_deductionsList available tax deductions with eligibility rules and limits. Covers both above-the-line and itemized deductions.standard_vs_itemizedCompare standard deduction vs itemized deductions to determine which is more beneficial.get_tax_deadlinesGet important IRS tax deadlines and due dates for a given tax year.check_refund_statusProvide instructions on how to check IRS refund status. This tool does NOT access your IRS account — it provides the official links and requirements.get_irs_form_infoGet information about common IRS tax forms — what they are, who needs them, and where to find them.list_tax_creditsList available federal tax credits with eligibility, amounts, and phase-out rules. Covers family, education, energy, retirement, healthcare, and income-based credits.- +32 more on the listing page
Lunch Money tools 59
get_userGet details on the current userget_all_categoriesGet a list of all categories associated with the user's account. Returns categories in alphabetical order.get_single_categoryGet details on a single category or category group, including the list of children categories for category groups.create_categoryCreate a new category or a category group. Set is_group=true to create a category group; supply children as an array of existing category IDs and/or strings (names of new sub-categories to create).update_categoryUpdate properties for an existing category or category group. For category groups, supplying children replaces the group's full child list. Cannot be used to convert between category and category group.delete_categoryDelete a single category or category group. By default fails (HTTP 422) if dependencies exist, returning a structured `dependents` payload. Set force=true to delete and disassociate from all related budgets, transactions, recurring items, etc. Force delete is irreversible.get_all_tagsGet a list of all tags associated with the user's account.get_single_tagGet details of a single tag by ID.create_tagCreate a new tag.update_tagUpdate properties for an existing tag.delete_tagDelete a tag. By default fails (HTTP 422) with a structured `dependents` payload if the tag is in use by transactions or rules. Set force=true to delete and disassociate from those records.get_transactionsRetrieve transactions, optionally filtered by date range, account, category, tag, recurring item, status, and more. Returns at most `limit` transactions (default 1000, max 2000); `has_more` is set on the response when more match the filters. Pending and split-parent / group-child transactions are excluded by default.- +47 more on the listing page
Ready-to-paste client configs
Paste either block (or both) into your client config, e.g. claude_desktop_config.json or ~/.cursor/mcp.json. We only show a config when the install command is confirmed.
Irs Taxpayer
{
"mcpServers": {
"irs-taxpayer": {
"command": "npx",
"args": [
"-y",
"irs-taxpayer-mcp"
]
}
}
}
Lunch Money
{
"mcpServers": {
"lunch-money": {
"command": "npx",
"args": [
"-y",
"@akutishevsky/lunchmoney-mcp"
],
"env": {
"LUNCHMONEY_API_TOKEN": "YOUR_LUNCHMONEY_API_TOKEN_HERE"
}
}
}
}
Frequently asked questions
Irs Taxpayer is categorized under Finance & Fintech and uses a local stdio subprocess. Lunch Money belongs to Finance & Fintech and uses a local stdio subprocess. Pick Irs Taxpayer for finance & fintech work and Lunch Money for finance & fintech.
Copy the mcpServers block from the config section on this page into your client's config (for example claude_desktop_config.json or ~/.cursor/mcp.json), then fully restart the client.
Irs Taxpayer has no declared pricing — check the project's own site. Lunch Money has no declared pricing — check the project's own site. If a server needs environment variables such as API keys, define them under the env key in your client's MCP config.
Yes. MCP clients support multiple servers: add irs-taxpayer and lunch-money as separate keys in the same mcpServers object, and your assistant will call tools from either one.
On AllMCPs, Irs Taxpayer has a quality signal of 63/100 (Good) with 1 views, 0 installs and 13 GitHub stars. Lunch Money has 65/100 (Great) with 1 views, 0 installs and 109 GitHub stars.