StateTakeHome

io.github.tresor4kPublished by GitHub account tresor4kv0.1.1Updated Oct 27, 2026

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

VerifiedSTDIODesktop onlyProductivity & WorkflowFinance

Overview

AI-generated overview

Local MCP server that lets an assistant estimate US take-home pay, self-employment tax and capital gains tax for the 2026 tax year.

What you can do
  • Estimate net pay for a W-2 employee: federal and state income tax for all 50 states plus DC, Social Security, Medicare, Additional Medicare and state extras, with pre-tax 401(k) and health deductions and per-paycheck breakdowns.
  • Calculate Schedule SE self-employment tax, the Additional Medicare surtax, federal and optional state income tax, and a quarterly estimated payment.
  • Estimate federal capital gains tax for long-term or short-term gains, including the Net Investment Income Tax and an optional state figure.
  • Return a source block and reference link with each result.
When to use it
Useful when someone wants quick paycheck, freelance or investment-tax estimates inside a chat, such as comparing take-home pay across states or setting aside money for quarterly taxes. It is a planning aid, not a substitute for a tax professional.
Requirements
Runs locally over stdio, typically launched with npx from the npm package, so Node.js and network access for the first download are needed. No accounts, API keys or environment variables are declared.
Before you install
Results are estimates for planning only and are explicitly not tax advice; figures depend on the 2026 rules the package ships with and may not fit unusual situations. Inputs such as income, state and filing status are sent to the local calculation engine, and each response includes a link to the vendor's website.

Installation

In SourceWeft

  1. Open StateTakeHome 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

statetakehome-mcp

[npm version] [License: 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.

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:

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

Source: README.md at commit ba493b5

Tools

0
SourceWeft has not started this package in its sandbox yet, so its tools are not known.

Version history

1
  1. v0.1.1LatestSep 16, 2026

Score

50% of the applicable checks met

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  • Reached in the last 30 days25 pts

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  • Auth declared10 pts

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  • Tools listed15 pts

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  • DescriptionRequired15 pts
  • Logo10 pts
  • Documentation15 pts
  • License10 pts