Take-home pay for 2025-2026: IRS brackets, FICA wage base and state income tax for 50 states + DC.
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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.
US state or DC: two-letter code (CA), name (California) or slug (new-york).
Tax year: 2025 or 2026.
Federal filing status. Qualifying surviving spouse uses married_filing_jointly.
HSA contribution through payroll (cafeteria plan) for the year in USD. Lowers income tax, Social Security and Medicare.
Gross annual pay in USD before any deduction. Give this OR gross_per_period.
Pay frequency: weekly (52), biweekly (26, default), semimonthly (24), monthly (12), quarterly (4) or annual (1).
Gross pay for one pay period in USD. Multiplied by the periods in pay_frequency.
Traditional (pre-tax) 401(k) deferral for the year in USD. Lowers income tax, not FICA. Leave out for Roth.
Traditional 401(k) deferral as a percent of gross (e.g. 6). Use instead of pretax_401k_annual.
Pick your client. Values in capitals, like YOUR_TOKEN, are yours to fill in.
claude mcp add --transport http paycheck-calculator-mcp https://paycheck-calculator-mcp.lipmichal.workers.dev/mcp
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, $184,500 in 2026), Medicare plus the 0.9% Additional Medicare tax, and state income tax. State tax is exact from each state's 2026 schedule for CA, NY, NJ, IL, PA, GA, NC; other states return a labeled effective-rate estimate (method: "estimate"). Handles pre-tax 401(k) (not FICA-exempt) and payroll HSA (FICA-exempt), and Pennsylvania/New Jersey rules that tax 401(k) or HSA money. Returns per-period and annual figures. Local taxes (NYC etc.) are out of scope. Figures copied from irs.gov and state revenue sites in Oct 2026.
| Argument | Type | Description |
|---|---|---|
| state* | string | US state or DC: two-letter code (CA), name (California) or slug (new-york). |
| tax_year* | number | Tax year: 2025 or 2026. |
| hsa_annual | number | HSA contribution through payroll (cafeteria plan) for the year in USD. Lowers income tax, Social Security and Medicare. |
| gross_annual | number | Gross annual pay in USD before any deduction. Give this OR gross_per_period. |
| filing_status* | string | Federal filing status. Qualifying surviving spouse uses married_filing_jointly. |
| pay_frequency | string | Pay frequency: weekly (52), biweekly (26, default), semimonthly (24), monthly (12), quarterly (4) or annual (1). |
| gross_per_period | number | Gross pay for one pay period in USD. Multiplied by the periods in pay_frequency. |
| pretax_401k_annual | number | Traditional (pre-tax) 401(k) deferral for the year in USD. Lowers income tax, not FICA. Leave out for Roth. |
| pretax_401k_percent | number | Traditional 401(k) deferral as a percent of gross (e.g. 6). Use instead of pretax_401k_annual. |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"state",
"filing_status",
"tax_year"
],
"properties": {
"state": {
"type": "string",
"maxLength": 40,
"minLength": 2,
"description": "US state or DC: two-letter code (CA), name (California) or slug (new-york)."
},
"tax_year": {
"enum": [
2025,
2026
],
"type": "number",
"description": "Tax year: 2025 or 2026."
},
"hsa_annual": {
"type": "number",
"maximum": 100000000,
"minimum": 0,
"description": "HSA contribution through payroll (cafeteria plan) for the year in USD. Lowers income tax, Social Security and Medicare."
},
"gross_annual": {
"type": "number",
"maximum": 100000000,
"minimum": 0,
"description": "Gross annual pay in USD before any deduction. Give this OR gross_per_period."
},
"filing_status": {
"enum": [
"single",
"married_filing_jointly",
"married_filing_separately",
"head_of_household"
],
"type": "string",
"description": "Federal filing status. Qualifying surviving spouse uses married_filing_jointly."
},
"pay_frequency": {
"enum": [
"weekly",
"biweekly",
"semimonthly",
"monthly",
"quarterly",
"annual"
],
"type": "string",
"description": "Pay frequency: weekly (52), biweekly (26, default), semimonthly (24), monthly (12), quarterly (4) or annual (1)."
},
"gross_per_period": {
"type": "number",
"maximum": 100000000,
"minimum": 0,
"description": "Gross pay for one pay period in USD. Multiplied by the periods in pay_frequency."
},
"pretax_401k_annual": {
"type": "number",
"maximum": 100000000,
"minimum": 0,
"description": "Traditional (pre-tax) 401(k) deferral for the year in USD. Lowers income tax, not FICA. Leave out for Roth."
},
"pretax_401k_percent": {
"type": "number",
"maximum": 100,
"minimum": 0,
"description": "Traditional 401(k) deferral as a percent of gross (e.g. 6). Use instead of pretax_401k_annual."
}
},
"additionalProperties": false
}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.
| Argument | Type | Description |
|---|---|---|
| states* | array | 2 to 10 states, e.g. ["CA", "TX", "NY"]. |
| tax_year* | number | Tax year: 2025 or 2026. |
| hsa_annual | number | HSA contribution through payroll (cafeteria plan) for the year in USD. Lowers income tax, Social Security and Medicare. |
| gross_annual | number | Gross annual pay in USD before any deduction. Give this OR gross_per_period. |
| filing_status* | string | Federal filing status. Qualifying surviving spouse uses married_filing_jointly. |
| pay_frequency | string | Pay frequency: weekly (52), biweekly (26, default), semimonthly (24), monthly (12), quarterly (4) or annual (1). |
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 / $23,625). Also returns the Social Security wage base and Medicare thresholds for that year.
| Argument | Type | Description |
|---|---|---|
| tax_year* | number | Tax year: 2025 or 2026. |
| filing_status* | string | Federal filing status. Qualifying surviving spouse uses married_filing_jointly. |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"tax_year",
"filing_status"
],
"properties": {
"tax_year": {
"enum": [
2025,
2026
],
"type": "number",
"description": "Tax year: 2025 or 2026."
},
"filing_status": {
"enum": [
"single",
"married_filing_jointly",
"married_filing_separately",
"head_of_household"
],
"type": "string",
"description": "Federal filing status. Qualifying surviving spouse uses married_filing_jointly."
}
},
"additionalProperties": false
}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.
| Argument | Type | Description |
|---|---|---|
| hourly_rate* | number | Hourly wage in USD. |
| hours_per_week | number | Regular hours per week (default 40). |
| weeks_per_year | number | Paid weeks per year (default 52). |
| overtime_multiplier | number | Overtime pay multiplier (default 1.5). |
| overtime_hours_per_week | number | Overtime hours per week (default 0). |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"hourly_rate"
],
"properties": {
"hourly_rate": {
"type": "number",
"maximum": 1000000,
"minimum": 0,
"description": "Hourly wage in USD."
},
"hours_per_week": {
"type": "number",
"maximum": 168,
"description": "Regular hours per week (default 40).",
"exclusiveMinimum": 0
},
"weeks_per_year": {
"type": "number",
"maximum": 53,
"description": "Paid weeks per year (default 52).",
"exclusiveMinimum": 0
},
"overtime_multiplier": {
"type": "number",
"maximum": 5,
"minimum": 1,
"description": "Overtime pay multiplier (default 1.5)."
},
"overtime_hours_per_week": {
"type": "number",
"maximum": 128,
"minimum": 0,
"description": "Overtime hours per week (default 0)."
}
},
"additionalProperties": false
}Converts an annual salary to an hourly rate and to weekly, biweekly (26), semimonthly (24) and monthly gross pay. Defaults: 40 hours a week, 52 weeks (2,080 hours). Gross pay only; use calculate_take_home_pay for net.
| Argument | Type | Description |
|---|---|---|
| annual_salary* | number | Gross annual salary in USD. |
| hours_per_week | number | Paid hours per week (default 40). |
| weeks_per_year | number | Paid weeks per year (default 52; paid vacation still counts). |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"annual_salary"
],
"properties": {
"annual_salary": {
"type": "number",
"maximum": 100000000,
"minimum": 0,
"description": "Gross annual salary in USD."
},
"hours_per_week": {
"type": "number",
"maximum": 168,
"description": "Paid hours per week (default 40).",
"exclusiveMinimum": 0
},
"weeks_per_year": {
"type": "number",
"maximum": 53,
"description": "Paid weeks per year (default 52; paid vacation still counts).",
"exclusiveMinimum": 0
}
},
"additionalProperties": false
}We read every tool's name, description and inputs the way the model will, looking for instructions hidden from you. A clean result means no warning signs, not a guarantee. Scanned Oct 30, 2026.
| gross_per_period |
| number |
| Gross pay for one pay period in USD. Multiplied by the periods in pay_frequency. |
| 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. |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"states",
"filing_status",
"tax_year"
],
"properties": {
"states": {
"type": "array",
"items": {
"type": "string",
"maxLength": 40,
"minLength": 2,
"description": "US state or DC: two-letter code (CA), name (California) or slug (new-york)."
},
"maxItems": 10,
"minItems": 2,
"description": "2 to 10 states, e.g. [\"CA\", \"TX\", \"NY\"]."
},
"tax_year": {
"enum": [
2025,
2026
],
"type": "number",
"description": "Tax year: 2025 or 2026."
},
"hsa_annual": {
"type": "number",
"maximum": 100000000,
"minimum": 0,
"description": "HSA contribution through payroll (cafeteria plan) for the year in USD. Lowers income tax, Social Security and Medicare."
},
"gross_annual": {
"type": "number",
"maximum": 100000000,
"minimum": 0,
"description": "Gross annual pay in USD before any deduction. Give this OR gross_per_period."
},
"filing_status": {
"enum": [
"single",
"married_filing_jointly",
"married_filing_separately",
"head_of_household"
],
"type": "string",
"description": "Federal filing status. Qualifying surviving spouse uses married_filing_jointly."
},
"pay_frequency": {
"enum": [
"weekly",
"biweekly",
"semimonthly",
"monthly",
"quarterly",
"annual"
],
"type": "string",
"description": "Pay frequency: weekly (52), biweekly (26, default), semimonthly (24), monthly (12), quarterly (4) or annual (1)."
},
"gross_per_period": {
"type": "number",
"maximum": 100000000,
"minimum": 0,
"description": "Gross pay for one pay period in USD. Multiplied by the periods in pay_frequency."
},
"pretax_401k_annual": {
"type": "number",
"maximum": 100000000,
"minimum": 0,
"description": "Traditional (pre-tax) 401(k) deferral for the year in USD. Lowers income tax, not FICA. Leave out for Roth."
},
"pretax_401k_percent": {
"type": "number",
"maximum": 100,
"minimum": 0,
"description": "Traditional 401(k) deferral as a percent of gross (e.g. 6). Use instead of pretax_401k_annual."
}
},
"additionalProperties": false
}