Irs Taxpayer

io.github.dma9527Published by GitHub account dma9527v1.2.5Updated Nov 7, 2026

45 local US tax estimation and planning tools for supported TY2024 through TY2026 scenarios.

VerifiedSTDIODesktop onlyFinanceData & Analytics

Overview

AI-generated overview

A local, deterministic US tax calculator that lets an assistant estimate federal and state income tax, credits, deductions and planning scenarios for…

What you can do
  • Calculate federal tax, brackets, filing-status comparisons, quarterly estimates, W-4 withholding and combined federal plus state totals
  • Analyze deductions and credits, including standard versus itemized, EITC, premium tax credit, education and mortgage benefits
  • Explore retirement accounts and strategies, capital-gains optimization, withdrawal order and multi-year projections
  • Model what-if scenarios such as Roth conversions, relocation, income changes and tax-year differences
  • Produce full tax reports, 1099 income processing, paycheck checks, audit-risk scoring and personalized calendars and checklists
  • Look up IRS deadlines, forms, state tax reference data and general tax rules
When to use it
Useful when someone wants concrete year-end or planning numbers — whether to convert to a Roth, harvest gains, itemize, change filing status or move states — and prefers deterministic arithmetic over a model's guess. Also handy for freelancers estimating quarterly payments and for comparing tax years or states.
Requirements
Runs locally as an npm package (Node.js 20 or later) over stdio, or via Docker or a loopback HTTP mode. No account, SSN, IRS login, API key or environment variable is required; tax tables are bundled locally.
Before you install
Estimates are for planning and education only, not tax, legal or financial advice, and it is not filing software. In MCP mode, facts typed into the assistant may be processed by the client's model provider, so use the direct local CLI or a local model when end-to-end privacy matters. State coverage is partial and unsupported years, states or missing facts return errors rather than estimates.

Installation

In SourceWeft

  1. Open Irs Taxpayer in the dashboard and add it to a workspace.
  2. Enable the server for the chats that should use its tools.

Desktop only via STDIO. STDIO servers start a local process, so they need the SourceWeft desktop host.

Other MCP clients

Follow the launch instructions in the repository.

README

🏛️ irs-taxpayer-mcp

Exact US tax numbers for year-end decisions, without sending your finances to a chatbot.

Deterministic TY2024 to TY2026 estimates · local no-model CLI · 45 MCP tools

[License: MIT] [CI] [npm] [TypeScript] [MCP]

English | 中文 | Español | 日本語 | Website


Estimates for planning and education only. Not tax, legal, or financial advice, and not filing software. See the legal notice.

Know the number before December 31

Should you convert $30,000 to Roth this year? Harvest gains in the 0% bracket? Top up your 401(k)? These decisions have deadlines, and a chatbot guess is not good enough when real money is on the line.

irs-taxpayer-mcp is a deterministic US individual tax engine for TY2024 through TY2026. It does the math from IRS annual tables, shows its work, and refuses to guess when a case is not supported.

  • 🔒 Your numbers can stay on your machine. The direct CLI calculates locally, starts no MCP connection, calls no model, and sends no tax data anywhere.
  • 🎯 Deterministic, not generated. The same inputs always give the same answer. A language model never does the arithmetic.
  • 🛑 Fails closed. Unsupported states, years, or missing required facts return an error instead of a rough estimate.
  • 🤖 Works with your AI assistant too. 45 MCP tools for Claude, Kiro, Cursor, and other MCP clients.

🚀 Try it in 30 seconds

bash
npm install --global irs-taxpayer-mcpirs-taxpayer-mcp intake --output taxpayer-facts.json   # guided local questionnaireirs-taxpayer-mcp plan --facts taxpayer-facts.json

Example result for a synthetic TY2026 household (married filing jointly, $185,000 W-2, $12,000 long-term gains, two children):

text
# Local Tax Plan for TY2026
Adjusted gross income: $197,000Taxable income: $164,800Federal tax after refundable credits: $20,440Employee FICA: $14,122Total modeled tax: $34,562Take-home income: $162,438
## PrivacyCalculated directly by the local deterministic engine. No model, network request,persistence, or telemetry was used.

Add --json for structured output with assumptions, official sources, a calculation trace, and privacy.modelInvoked: false.

💡 Decisions it helps with

QuestionToolExample (synthetic, TY2026)
What does a Roth conversion cost me this year?simulate_tax_scenarioMFJ, $150,000 income: a $30,000 conversion adds $6,600 of federal tax, a flat 22%
Can I sell winners at 0% tax?optimize_capital_gainsShows room left in the 0% bracket and warns when losses would only offset tax-free gains
Should I itemize or take the standard deduction?standard_vs_itemizedApplies the TY2026 SALT cap, charitable floor, and non-itemizer charitable deduction
What are my quarterly estimates as a freelancer?estimate_quarterly_tax1040-ES amounts with safe harbor guidance
Is my paycheck withholding on track?analyze_paycheckProjects annual tax, including credits, and suggests W-4 changes
Will moving states save money?analyze_relocation_taxesCompares exact-year state profiles; unsupported states fail closed
What changed between tax years?what_changed_between_tax_yearsTY2025 and TY2026 rule changes with primary-source citations

🔒 Privacy Architecture

LayerDesign
Deterministic engineLocal execution with no runtime network calls
Direct intake, validate, and plan commandsNo MCP connection, model invocation, telemetry, or automatic persistence
Local facts filesStrict versioned JSON, no identity fields, 1 MiB maximum, mode 0600 on POSIX
MCP serverSends and stores no taxpayer data
MCP client and modelPrivacy depends on the selected host and model provider; prompts and tool arguments may leave the machine
AuthenticationNo SSN, IRS login, or taxpayer identity required
Public IRS dataBundled and versioned locally
Source codeOpen-source MIT code with auditable calculations

⚡ Getting Started

Option A: Direct local mode (recommended for taxpayer facts)

Install once, before entering any tax facts:

bash
npm install --global irs-taxpayer-mcp

Run the guided local questionnaire. It does not start MCP or invoke a model:

bash
irs-taxpayer-mcp intake --output taxpayer-facts.json

Or create and edit a strict local template:

bash
irs-taxpayer-mcp template --output taxpayer-facts.jsonirs-taxpayer-mcp validate --facts taxpayer-facts.json

Calculate directly through the deterministic engine:

bash
irs-taxpayer-mcp plan --facts taxpayer-facts.jsonirs-taxpayer-mcp plan --facts taxpayer-facts.json --json

New facts files are created with mode 0600 on POSIX. On Windows, the CLI rejects existing symbolic links but relies on the current user's filesystem permissions. Existing files are not replaced unless --force is explicit. Imported JSON is limited to 1 MiB, rejects symbolic links and unknown fields, and does not accept names, SSNs, addresses, employer IDs, or account numbers.

Using npx may download the public package before execution, but the direct commands do not send the facts file or its values over the network.

Option B: MCP mode for AI assistants

The MCP server makes no network requests and stores no taxpayer data. However, facts typed into an MCP client may be processed by that client's model provider. Use direct local mode or a local-model MCP client when end-to-end local handling is required.

MCP Step 1: Add to your AI assistant

Add this to your MCP client configuration:

Claude Desktop (~/Library/Application Support/Claude/claude_desktop_config.json):

json
{  "mcpServers": {    "irs-taxpayer": {      "command": "npx",      "args": ["-y", "irs-taxpayer-mcp"]    }  }}

Kiro (.kiro/settings/mcp.json):

json
{  "mcpServers": {    "irs-taxpayer": {      "command": "npx",      "args": ["-y", "irs-taxpayer-mcp"]    }  }}

Cursor: same format in Cursor's MCP settings.

MCP Step 2: Restart your AI assistant

After saving the config, restart the app. The MCP server will auto-download and connect.

MCP Step 3: Ask supported tax questions

The client model converts natural language into tool arguments. Do not enter real taxpayer facts here unless the selected MCP host and model satisfy your privacy requirements:

  • "Calculate my federal tax: $150k income, married filing jointly, 2 kids"
  • "Compare California vs Texas vs Washington for $200k income"
  • "I'm a freelancer making $80k: what are my quarterly estimated taxes?"
  • "What tax credits am I eligible for? AGI $60k, single, one child"
  • "Should I itemize or take the standard deduction? I pay $15k in mortgage interest and $12k in state taxes"
  • "Explain the Backdoor Roth IRA strategy"
  • "How much is the EITC for a family of 4 earning $35k?"
  • "I exercised ISOs this year: will I owe AMT?"
  • "Help me plan my year-end tax moves. I have a 401k and HSA."

Alternative: Docker

bash
docker build -t irs-taxpayer-mcp .docker run -i irs-taxpayer-mcp

Alternative: Streamable HTTP Transport

bash
npx irs-taxpayer-mcp --http --port 3000# MCP endpoint: http://127.0.0.1:3000/mcp# Health check: http://127.0.0.1:3000/health

HTTP mode is stateless and binds only to a loopback host by default. Browser requests must use an exact allowed Origin. Add a trusted browser Origin with a repeatable flag:

bash
npx irs-taxpayer-mcp --http \  --allowed-origin https://trusted-client.example

The legacy --sse flag remains a deprecated alias for --http. The old /sse and /messages endpoints are not exposed.

🛠️ Tools (45)

All tools use the current MCP registerTool API. Each advertises read-only annotations and an output schema, and returns both human-readable text and structuredContent. Error results include a stable error code, message, and recovery suggestion.

The 1.0 flagship generate_tax_plan workflow returns domain structured results, assumptions, official source provenance, a calculation trace, and explicit unsupported boundaries. The deterministic engine performs no network requests, persistence, or telemetry. Its structured privacy metadata reports whether the MCP adapter or direct CLI path was used. Unsupported tax years, state profiles, and required worksheet facts fail closed. See Local Tax Planner 1.0 Contract.

Federal Tax Calculations

ToolWhat it does
calculate_federal_taxFull federal tax with bracket breakdown, AMT, NIIT (3.8%), Additional Medicare Tax (0.9%), QBI deduction, SE tax, capital gains, CTC
get_tax_bracketsTax brackets and standard deduction by filing status and year
compare_filing_statusesSide-by-side comparison of all 4 filing statuses for the same income
estimate_quarterly_taxEstimated quarterly payments (1040-ES) with safe harbor guidance
calculate_total_taxCombined federal + state tax in one call, with take-home pay and monthly income
calculate_w4_withholdingPer-paycheck withholding estimate with step-by-step W-4 form recommendations

Deduction Analysis

ToolWhat it does
list_deductionsBrowse all deductions with eligibility rules, limits, and forms
standard_vs_itemizedCompare standard vs itemized with year-specific SALT cap ($10K for TY2024, $40K for TY2025)

Tax Credits

ToolWhat it does
list_tax_credits20+ federal credits: CTC, EITC, AOTC, EV, solar, saver's credit, and more
check_credit_eligibilityQuick screening based on your income, family, and situation
calculate_eitcPrecise EITC calculation with phase-in/plateau/phase-out for 0-3 children
estimate_premium_tax_creditTY2026 Premium Tax Credit (Form 8962) with the 400% limit, full APTC repayment, monthly allocation, and the below-100% and MFS exceptions

Retirement & Strategy

ToolWhat it does
get_retirement_accountsIRA, Roth, 401k, SEP, Solo 401k, HSA, 529: limits, tax treatment, tips
get_retirement_strategyBackdoor Roth, Mega Backdoor, Roth Conversion Ladder, Tax Loss/Gain Harvesting

Tax Planning & Scenarios

ToolWhat it does
generate_tax_planPrivacy-first local plan with structured results, assumptions, sources, trace, and explicit boundaries
get_tax_planning_tipsPersonalized year-end optimization: 401k maxing, HSA, Roth conversion, tax-loss harvesting, charitable bunching
compare_tax_yearsCompare TY2024 vs TY2025 to see how bracket changes and OBBB affect your tax
estimate_self_employment_taxFull SE tax breakdown: Schedule C profit, SE tax, QBI deduction, quarterly payments, SEP/Solo 401k limits
analyze_mortgage_tax_benefitMortgage interest + property tax deduction analysis with year-specific SALT cap
analyze_education_tax_benefitsAOTC vs Lifetime Learning Credit comparison, student loan deduction, 529 plan guidance

State Taxes

ToolWhat it does
get_state_tax_infoReference data and notes for all 50 states + DC
estimate_state_taxEstimate supported state paths; unsupported bracket data fails closed
compare_state_taxesCompare states only when every requested calculation is supported
list_no_income_tax_statesAll 9 states with no broad individual income tax

IRS Information

ToolWhat it does
get_tax_deadlinesKey IRS dates and deadlines by tax year
check_refund_statusHow to check your refund (guidance only: no IRS account access)
get_irs_form_infoInfo about 14 common IRS forms (1040, W-2, 1099s, Schedules, etc.)

OBBB Act (2025) Tools

ToolWhat it does
calculate_obbb_deductionsCalculate all 4 new OBBB deductions: tips, overtime, senior bonus, auto loan interest
what_changed_between_tax_yearsDiff any two supported years: brackets, deductions, credits, SALT, and OBBB provisions

Full Reports & Analysis

ToolWhat it does
generate_full_tax_reportEstimation report: income, deductions, federal, FICA, supported state tax, take-home, and refund inputs
process_1099_incomeProcess multiple 1099 forms (NEC, INT, DIV, B, MISC) with tax impact by category
get_personalized_tax_calendarPersonalized deadlines based on your situation (self-employed, extension, investments)
analyze_paycheckVerify paycheck withholding accuracy, project annual tax, suggest W-4 adjustments
compare_mfj_vs_mfsMFJ vs MFS comparison with tax diff and all MFS restriction warnings
simulate_tax_scenarioWhat-if modeling: income changes, relocation, Roth conversion, 401k, filing status
assess_audit_riskIRS audit risk scoring with red flag identification and mitigation tips
get_tax_document_checklistPersonalized filing document checklist based on your income and life events
optimize_capital_gainsLot analysis: 0% bracket gain harvesting, loss harvesting that nets against taxed gains first, wash sale warnings
plan_retirement_withdrawalsOptimal withdrawal order (Traditional/Roth/Taxable), RMD calculation, Roth conversion
plan_multi_year_taxes3-5 year tax projection with bracket management and age milestones
analyze_relocation_taxesIn-depth state relocation analysis with multi-year savings and SALT impact

Guidance & Feedback

ToolWhat it does
run_tax_health_checkOne-call check of a full financial picture with actionable findings
lookup_tax_ruleSearch the built-in tax knowledge base
get_form_filing_guideProvide step-by-step guidance for supported IRS forms
submit_feedbackGenerate a prefilled GitHub issue link without transmitting tax data

📊 Tax Year Coverage

TY2024

Supported historical calculation year using IRS Revenue Procedure 2023-34. Standard deduction $14,600 (single) / $29,200 (MFJ). CTC $2,000. SALT cap $10,000.

TY2025

Reflects OBBB signed July 4, 2025:

  • Standard deduction: $15,750 (single) / $31,500 (MFJ) / $23,625 (HoH)
  • Child Tax Credit: $2,200 per child (up from $2,000)
  • SALT cap: $40,000 for AGI ≤ $500K (was $10,000)
  • New deductions: tips ($25K), overtime ($12.5K), senior bonus ($6K age 65+), auto loan interest ($10K)
  • 401k catch-up: $11,250 for ages 60-63 (SECURE 2.0)

TY2026

Uses IRS Revenue Procedure 2025-32 and the SSA 2026 contribution and benefit base:

  • Standard deduction: $16,100 (single) / $32,200 (MFJ) / $24,150 (HoH)
  • Child Tax Credit: $2,200 per qualifying child, with up to $1,700 refundable
  • SALT cap: $40,400 for MAGI up to $505,000; $20,200 and $252,500 for MFS
  • Social Security wage base: $184,500
  • AMT exemption phase-out at 50% above $500,000 / $1,000,000 AMTI (OBBB)
  • Non-itemizer charitable deduction ($1,000 / $2,000), 0.5% itemized charitable floor, and 2/37 itemized deduction limit
  • Child and Dependent Care Credit up to 50% of qualifying expenses
  • 401(k) $24,500, IRA $7,500, HSA $4,400 / $8,750
  • Updated ordinary, capital-gains, EITC, and AMT thresholds

Supported Scope and Boundaries

This project is a deterministic estimation and planning engine, not tax preparation or filing software.

  • Federal estimates cover the modeled TY2024 through TY2026 inputs exposed by each tool. They do not implement every Form 1040 line, schedule, election, limitation, carryforward, or dependency rule.
  • State reference information covers all 50 states and DC. Numeric estimates require an exact tax-year profile: TY2024 supports AK, CA, FL, NV, SD, TN, TX, and WY; TY2025 supports AK, FL, NH, NV, SD, TN, TX, and WY; TY2026 supports those states plus CA, GA, IL, IN, KS, KY, MA, MI, MN, MS, NC, ND, NE, NJ, OH, PA, RI, and VA. City, county, and school district income taxes (IN, KY, MI, OH, PA) are not included. Rhode Island income above $261,000 and Minnesota AGI above $220,650 return an error because their deduction phase-outs are not modeled. California supports single and married brackets only (HoH Schedule Z is not modeled). Other state-year and filing-status paths return an error.
  • State calculations do not yet model part-year or nonresident allocation, every local tax, or separate HoH and MFS brackets.
  • QBI, AMT, audit-risk, retirement, relocation, and multi-year outputs are planning estimates with documented simplifications.
  • Refund projections depend only on the inputs and refundable credits modeled by the selected tool. They are not an IRS refund determination.
  • The server does not generate a tax return, sign a return, transmit MeF data, or provide filing eligibility validation.

See ROADMAP.md for the remaining work toward a filing-grade federal return engine.

🧮 Calculation Engine

FeatureStatus
Federal income tax (7 brackets × 4 statuses)✅
Long-term capital gains (0%/15%/20%)✅
Capital-loss netting, annual limit, carryoversPlanning-grade
Social Security benefit taxationPublication 915 planning model
Retirement distributions and early taxPlanning-grade from supplied 1099-R facts
Self-employment tax (SS + Medicare)✅
Net Investment Income Tax (3.8% NIIT)✅
Additional Medicare Tax (0.9%)✅
Alternative Minimum Tax (AMT)Modeled with preferential rates and stated preference-item limits
QBI Deduction (Section 199A)Planning-grade with wage, UBIA, and SSTB limits
Child Tax Credit with phase-out✅
AOTC and Lifetime Learning CreditForm 8863 planning model
EITC TY2024/TY2025/TY2026 calculation✅
Standard vs itemized deduction✅
Year-specific SALT cap (OBBB)✅
State reference data (50 states + DC)✅
State numeric estimatesSupported paths only
20+ federal credit reference and screening✅
Retirement account reference and planningPlanning estimate
W-4 withholding calculatorPlanning estimate

Numeric regression tests cite IRS Revenue Procedures, IRC sections, and relevant legislation. Reference and planning tools may summarize rules that are not fully represented in the calculation engine.

🏗️ Build from Source

Requires Node.js 20 or later.

bash
git clone https://github.com/dma9527/irs-taxpayer-mcp.gitcd irs-taxpayer-mcpnpm installnpm run buildnpm start          # stdio modenpm run dev        # development mode (tsx)

🐛 Found a Bug?

🤝 Contributing

Contributions welcome. Please ensure:

  • All tests pass (npm test)
  • Build succeeds (npm run build)
  • No any types in TypeScript
  • Data changes include IRS source citations

See CONTRIBUTING.md for full guidelines.

Legal Notice

This software is provided "as is" without warranty of any kind. The authors and contributors are not tax professionals, CPAs, enrolled agents, or attorneys. No attorney-client, CPA-client, or fiduciary relationship is created by using this software. Tax laws change frequently and vary by jurisdiction. The calculations may contain errors, omissions, or may not reflect the most recent legislative changes. You are solely responsible for your tax filing decisions. The authors disclaim all liability for any damages arising from the use of this software. See DISCLAIMER.md for the full legal notice.

📄 License

MIT

Source: README.md at commit b3f93f2

Tools

45

calculate_federal_tax

Calculate 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.

ParametersblindtaxYearrequiredw2IncomedependentsgrossIncomerequiredhasForm2555spouseBlindage65OrOldercapitalGainsearnedIncomefilingStatusrequiredqualifiedTips+38 more

get_tax_brackets

Get federal income tax brackets and standard deduction for a given tax year and filing status.

ParameterstaxYearrequiredfilingStatusrequired

compare_filing_statuses

Compare tax liability across different filing statuses for the same income. Helps determine the most advantageous filing status.

ParameterstaxYearrequireddependentsgrossIncomerequireditemizedDeductions

estimate_quarterly_tax

Calculate estimated quarterly tax payments (Form 1040-ES) for self-employed or other taxpayers who need to make estimated payments.

ParameterstaxYearrequiredfilingStatusrequiredotherCreditsw2WithholdingexpectedAnnualIncomerequiredselfEmploymentIncome

calculate_total_tax

Calculate combined federal + state tax for a complete picture of total tax liability. Returns federal breakdown, state tax, and combined totals in one call.

ParameterstaxYearrequiredw2IncomestateCoderequireddependentsgrossIncomerequiredhasForm2555capitalGainsearnedIncomefilingStatusrequiredtaxExemptInterestearnedIncomeCredititemizedDeductions+23 more

calculate_w4_withholding

Calculate recommended W-4 withholding settings. Estimates per-paycheck federal tax and provides step-by-step W-4 form recommendations.

ParameterstaxYearrequireddeductionsdependentsotherIncomespouseWorksannualSalaryrequiredfilingStatusrequiredmultipleJobspayFrequencyrequired

list_deductions

List available tax deductions with eligibility rules and limits. Covers both above-the-line and itemized deductions.

Parameterscategory

standard_vs_itemized

Compare standard deduction vs itemized deductions to determine which is more beneficial.

ParametersagirequiredblindtaxYearrequiredage65OrOlderfilingStatusrequiredotherItemizedmedicalExpensesstateLocalTaxesmortgageInterestcharitableDonationsnonItemizerCashDonations

get_tax_deadlines

Get important IRS tax deadlines and due dates for a given tax year.

ParameterstaxYear

check_refund_status

Provide instructions on how to check IRS refund status. This tool does NOT access your IRS account — it provides the official links and requirements.

ParametersfiledElectronically

get_irs_form_info

Get information about common IRS tax forms — what they are, who needs them, and where to find them.

ParametersformNumberrequired

list_tax_credits

List available federal tax credits with eligibility, amounts, and phase-out rules. Covers family, education, energy, retirement, healthcare, and income-based credits.

ParameterscategoryrefundableOnly

check_credit_eligibility

Check which tax credits you may be eligible for based on your situation.

ParametersagirequiredtaxYearboughtEVisStudenthasChildrennumChildrenfilingStatusrequiredhasChildcareinstalledSolarpaidForeignTaxhasEarnedIncomehasStudentLoans+3 more

get_retirement_accounts

Get details on retirement account types — contribution limits, tax treatment, income limits, and tips.

ParametersaccountType

get_retirement_strategy

Get detailed info on tax-advantaged retirement strategies like Backdoor Roth, Mega Backdoor Roth, Roth Conversion Ladder, Tax Loss/Gain Harvesting.

ParametersstrategyId

estimate_premium_tax_credit

Estimate the TY2026 Premium Tax Credit (Form 8962) from annual Form 1095-A totals. Uses the Rev. Proc. 2025-25 applicable percentages, the 400% poverty-line limit, and full repayment of excess advance payments.

ParametersmonthlytaxYearrequiredfamilySizerequiredfilingStatusrequiredadvancePaymentsrequiredhouseholdIncomerequiredpovertyLineRegionannualBenchmarkPremiumrequiredannualEnrollmentPremiumrequiredmarriedFilingSeparatelyException2marketplaceEstimatedAtLeast100Percent

calculate_eitc

Calculate the exact Earned Income Tax Credit (EITC) amount. The EITC is one of the largest refundable credits for low-to-moderate income workers.

ParametersagirequiredtaxYearrequiredearnedIncomerequiredfilingStatusrequiredinvestmentIncomequalifyingChildrenrequired

get_state_tax_info

Get state income tax information — rates, brackets, and key details for any US state.

ParametersstateCoderequired

estimate_state_tax

Estimate state income tax using an explicit tax-year calculation profile. Unsupported state-year paths fail closed.

ParameterstaxYearrequiredstateCoderequiredfilingStatustaxableIncomefederalTaxableIncomeincomeBeforeStateDeductions

compare_state_taxes

Compare state income tax for one tax year only when every requested state has an explicit calculation profile.

ParametersstatesrequiredtaxYearrequiredfilingStatustaxableIncomefederalTaxableIncomeincomeBeforeStateDeductions

list_no_income_tax_states

List all US states with no state income tax.

Takes no parameters.

get_tax_planning_tips

Get personalized year-end tax optimization strategies based on your income, deductions, and situation. Suggests actions to reduce tax liability before year-end.

ParametershasHSAtaxYearrequiredhasMortgagefilingStatusrequiredisSelfEmployedestimatedIncomerequiredhasCapitalGainscharitableGivinghasCapitalLosseshasRetirementPlancurrentWithholdingestimatedCapitalGains+3 more

compare_tax_years

Compare tax liability across different tax years for the same income. Shows how bracket changes and inflation adjustments affect your tax.

ParametersdependentsgrossIncomerequiredfilingStatusrequiredselfEmploymentIncome

estimate_self_employment_tax

Detailed self-employment tax breakdown including Schedule C profit, SE tax, QBI deduction, and recommended quarterly payments. Above the annual QBI threshold, provide SSTB classification, W-2 wages, and qualified-property basis, using 0 where none apply.

ParameterstaxYearrequireddependentsfilingStatusrequiredgrossRevenuerequiredotherW2IncomebusinessExpensesrequiredhealthInsurancePremiumsqualifiedBusinessIsSstbretirementContributionsqualifiedBusinessW2WagesqualifiedBusinessPropertyBasis

analyze_mortgage_tax_benefit

Analyze the tax benefit of mortgage interest deduction and property taxes. Compares itemizing with mortgage vs taking the standard deduction.

ParameterstaxYearrequiredgrossIncomerequiredfilingStatusrequiredinterestRateotherItemizedpropertyTaxesrequiredmortgageBalancemortgageInterestrequiredstateIncomeTaxes

analyze_education_tax_benefits

Compare education tax benefits: AOTC vs Lifetime Learning Credit, student loan interest deduction, and 529 plan advantages.

ParametersagirequiredtaxYearhas529PlanisUndergradrequiredtuitionPaidrequiredfilingStatusrequiredcontribution529yearsAOTCClaimedstudentLoanInterest

compare_mfj_vs_mfs

Compare Married Filing Jointly (MFJ) vs Married Filing Separately (MFS). Shows tax difference and lists all MFS restrictions that may affect your situation.

ParametershasEITCtaxYearrequireddependentsspouse1Incomerequiredspouse2IncomerequireditemizedDeductionshasEducationCreditshasIRAContributionsstudentLoanInterest

calculate_obbb_deductions

Calculate all OBBB (One Big Beautiful Bill) new deductions for TY2025+: tips income deduction, overtime pay deduction, senior bonus deduction, and auto loan interest deduction. Shows which deductions you qualify for and the total tax savings.

ParametersageagirequiredtaxYearrequiredspouseAgetipIncomeovertimePayfilingStatusrequiredmarginalRateautoLoanInterest

what_changed_between_tax_years

Show all differences between two tax years — bracket changes, deduction limits, credit amounts, SALT cap, CTC, and new OBBB provisions. Great for understanding how tax law changes affect you.

ParameterstoYearrequiredfromYearrequiredfilingStatus

generate_full_tax_report

Generate a detailed tax estimate combining federal tax, supported state tax, FICA, modeled credits, deductions, take-home pay, and refund inputs.

ParameterstaxYearrequiredw2IncomestateCodedependentshasForm2555otherIncomeage65OrOlderfilingStatusrequiredotherItemizedqualifiedTipsstateWithhelddividendIncome+38 more

process_1099_income

Process multiple 1099 forms and calculate the tax impact of each income type. Handles 1099-NEC (freelance), 1099-INT (interest), 1099-DIV (dividends), 1099-B (investments), 1099-MISC.

ParametersformsrequiredtaxYearrequiredw2IncomefilingStatusrequiredqualifiedBusinessIsSstbqualifiedBusinessW2WageslongTermCapitalLossCarryovershortTermCapitalLossCarryoverqualifiedBusinessPropertyBasis

get_personalized_tax_calendar

Generate a personalized tax calendar based on your situation. Shows deadlines for filing, estimated payments, extensions, and key actions.

ParameterstaxYearrequiredhasEmployerfiledExtensionhasInvestmentsisSelfEmployedhasRentalIncome

analyze_paycheck

Analyze a paycheck to verify withholding accuracy. Input your pay stub numbers and see if your employer is withholding the right amount.

ParameterstaxYearrequiredgrossPayrequiredstateCodeage65OrOlderfilingStatusrequiredpayFrequencyrequiredstateWithheldretirement401kfederalWithheldrequiredhsaContributionmedicareWithheldspouseAge65OrOlder+5 more

simulate_tax_scenario

What-if tax scenario simulator. Compare your current situation against a hypothetical change: income change, relocation, Roth conversion, filing status change, etc. Shows the exact tax impact of the change.

ParameterstaxYearrequiredage65OrOldercurrentStatefilingStatusrequiredcurrentIncomerequiredqualifiedTipswhatIfNewStatecurrentDependentsspouseAge65OrOlderwhatIfFilingStatuswhatIfIncomeChangecurrentCapitalGains+13 more

assess_audit_risk

Evaluate your IRS audit risk based on your tax return profile. Identifies red flags, scores your risk level, and provides tips to reduce audit exposure.

ParameterseitcClaimedgrossIncomerequiredlargeRefundcashBusinessfilingStatusrequiredrentalLossesroundNumbersbusinessMealsforeignAccountsvehicleDeductioncharitableNonCashcryptoTransactions+3 more

get_tax_document_checklist

Generate a personalized checklist of tax documents you need to gather for filing. Based on your income sources, deductions, and life events.

ParametershasW2hasHSAhadBabytaxYearboughtEVsoldHomegotMarriedgotDivorcedhasChildrenhasMortgagehasChildcarehasInvestments+9 more

optimize_capital_gains

Analyze investment lots and suggest which to sell to minimize tax. Considers long-term vs short-term, 0% bracket space, loss harvesting, and wash sale rules.

ParameterslotsrequiredtaxYearrequiredfilingStatusrequiredordinaryIncomerequiredtargetGainOrLoss

plan_retirement_withdrawals

Plan tax-efficient retirement withdrawals. Determines optimal order to draw from Traditional IRA, Roth IRA, and taxable accounts to minimize lifetime tax.

ParametersagerequiredtaxYearrequiredrothBalancerequiredfilingStatusrequiredpensionIncomeannualSpendingrequiredtaxableBalancerequiredtraditionalBalancerequiredsocialSecurityIncomerothConversionInterest

plan_multi_year_taxes

Create a 3-5 year tax projection and strategy. Models income changes, Roth conversions, retirement contributions, and bracket management across multiple years.

ParametersyearsrequiredcurrentAgerequiredfilingStatusrequired

analyze_relocation_taxes

In-depth relocation tax analysis using exact-year state profiles. Additional projection years require explicit annual federal and state data.

ParameterstaxYearrequiredtoStaterequiredfromStaterequireddependentsgrossIncomerequiredcapitalGainsfilingStatusrequiredyearsToProjectincomeGrowthRateselfEmploymentIncome

run_tax_health_check

One-click tax health check. Analyzes your full financial picture and outputs a report with actionable findings: missed credits, withholding accuracy, deduction optimization, audit risk, retirement savings gaps, and year-end planning tips.

ParametersagetaxYearrequiredboughtEVw2IncomeisStudentstateCodedependentsgrossIncomerequiredcapitalGainsfilingStatusrequiredretirementIRAinstalledSolar+8 more

lookup_tax_rule

Look up IRS tax rules, definitions, and common questions. Covers filing rules, income types, deduction rules, credit eligibility, stock options, wash sales, and more.

Parameterstopicrequired

get_form_filing_guide

Step-by-step guide for filling out a specific IRS form or schedule. Explains each section, what data you need, and common mistakes to avoid.

ParametersformNumberrequired

submit_feedback

Generate a pre-filled GitHub Issue URL for reporting calculation errors or data issues. No data is sent. The user clicks the link to submit. Use this after verifying the user's inputs.

ParametersactualtaxYearexpectedtoolNamerequireddescriptionrequired

generate_tax_plan

Generate a deterministic, privacy-first local tax plan with structured results, assumptions, source provenance, calculation trace, and explicit unsupported boundaries.

ParametersfamilyincomerequiredtaxYearrequiredbusinesspaymentseducationstateCodedeductionsfilingStatusrequired

Version history

4
  1. v1.2.5LatestNov 7, 2026
  2. v1.2.4Nov 3, 2026
  3. v1.1.0Sep 18, 2026
  4. v1.0.2Sep 16, 2026

Score

90% of the applicable checks met

How complete this listing is, computed from the registry entry, the endpoint and public sources. Not a rating of the server and not a statement that it is safe or working today: reachability is a dated check, and no installs or reviews go into the score.

  • Reached in the last 30 days25 pts
  • Auth declared10 pts

    Declare the credential headers in the registry entry, or keep the endpoint answering the probe so its auth can be classified.

  • Tools listedRequired15 pts
  • DescriptionRequired15 pts
  • Logo10 pts
  • Documentation15 pts
  • License10 pts