US Tax Estimator

com.yz-cpa由 yz-cpa.com 发布官方发布者v1.3.0更新于 Nov 7, 2026

Federal tax estimate, deadlines, FBAR/8938/3520 checks, §7702 screen, inherited-stock step-up.

已验证Streamable HTTP可网页运行金融数据与分析

概览

AI 生成的概览

远程 MCP 服务器,提供美国联邦税务计算:所得税估算、申报截止日、境外申报门槛检查与成本基础提升。

可以做什么
  • 估算联邦所得税与自雇税、退税或应补税额、边际与有效税率、分档明细及安全港预缴额
  • 列出即将到来的联邦税务截止日,含季度预缴与各类实体申报
  • 按 FBAR、8938 表和 3520 表的门槛核对境外资产金额
  • 依据 IRC §7702 定义初步筛查非美国储蓄型人寿保险保单
  • 比较漏报 FBAR 或 8938 表、未申报境外收入时的补正方案成本
  • 估算继承的证券或加密货币在死亡日的价值、§1014 成本基础提升及可避免的资本利得税
适用场景
适合在规划讨论中需要快速、结构化的美国税务数字时使用:粗略税负与预扣核对、截止日查询、境外申报门槛问题,或说明境外合规补正方案的成本。
运行要求
远程 streamable HTTP 端点;未声明需要账户、API 密钥或环境变量。估算工具支持 2025 和 2026 纳税年度。成本基础工具会查询公开市场价格,服务器端需可访问网络。
安装前请注意
结果为简化规则下的估算,并非税务建议,呈现时应说明。境外申报与 §7702 工具仅套用门槛,不判断哪些账户或保单适用。传入的数字会发送至第三方服务,尽管其声明不存储任何数据。

安装

在 SourceWeft 中

  1. 打开 控制台中的 US Tax Estimator,将其添加到工作区。
  2. 为需要使用其工具的对话启用该服务。

Web executable,通过 Streamable HTTP。 远程服务在工作区中配置后即可从网页运行时运行。

交给智能体安装

把这段提示词粘贴到 Claude Code、Codex、Cursor 等智能体,或 SourceWeft 对话中。智能体会读取该服务器的安装指南,先向你展示发布者、端点和登录方式,经你同意后再把它添加到你的客户端。密钥不会写进任何命令。

阅读 https://sourceweft.com/mcp/com.yz-cpa%2Fus-tax-estimator/install.md,并按其中说明把这个 MCP 服务器接入我的客户端。修改任何配置之前,先告诉我它的发布者、端点和登录方式,等我确认。不要把 API 密钥写进命令或我会提交的文件;问我密钥应从哪里获取。

查看智能体所依据的安装指南

其他 MCP 客户端

把它添加到你客户端的 mcpServers 配置中。

{
  "mcpServers": {
    "us-tax-estimator": {
      "type": "http",
      "url": "https://my.yz-cpa.com/mcp"
    }
  }
}

工具

6

estimate_federal_tax

Estimate federal income and self-employment tax

Estimates a year's U.S. federal income tax plus self-employment tax, the refund or balance due after withholding and estimated payments, marginal and effective rates, a bracket-by-bracket breakdown and, when prior-year figures are given, the safe-harbor quarterly estimated payment. Also answers 'how much more can I earn, withdraw from a 401(k) or convert to a Roth IRA before the next bracket': the room left in the current bracket, the room before qualified dividends / long-term gains lose the 0% rate, and the tax on a planned extra amount. Uses the standard deduction (with the age-65+ addition) unless larger itemized deductions are given; the 2025–2028 $6,000 senior deduction per person 65+ with phase-out (not available when married filing separately); qualified dividends and long-term gains at 0%/15%/20%; child tax credit with phase-out; Social Security wage base and Additional Medicare tax. Federal only: no state tax, AMT, NIIT, QBI deduction, IRMAA or other credits.

输入参数tax_year必填w2_wagestotal_income必填filing_status必填prior_year_agifederal_withholdingitemized_deductionsqualifying_childrenplanned_extra_incomeprior_year_total_taxself_employment_profitestimated_payments_made另有 2 个

list_federal_tax_deadlines

Upcoming federal tax deadlines

Lists upcoming U.S. federal tax deadlines with days remaining: quarterly estimated payments (1040-ES), individual return and extension dates, and optionally S-corporation, partnership and C-corporation return and estimated-tax dates. Dates are already moved off weekends and holidays.

输入参数limitfrom_dateinclude_business

check_foreign_reporting_requirements

Check FBAR, Form 8938 and Form 3520 thresholds

Checks a U.S. person's foreign-asset figures against the filing thresholds for FBAR (FinCEN Form 114), Form 8938 (FATCA) and Form 3520 (gifts or bequests from a foreign individual or estate). Only the forms whose figures are given are checked. Thresholds only: it does not decide which accounts or assets count; the descriptions of each input say what to include.

输入参数lives_abroadfiling_status必填foreign_gifts_receivedspecified_foreign_assets_maxforeign_accounts_max_aggregatespecified_foreign_assets_year_end

screen_foreign_life_insurance_7702

Screen a non-U.S. life insurance policy under IRC §7702

Preliminary screen of whether a non-U.S. savings-type life insurance policy (for example a Hong Kong whole-life or savings plan) meets the U.S. definition of life insurance under IRC §7702, using the cash value accumulation test (CVAT) and the cash value corridor, from the policy's cash value table. A policy that fails is taxed each year on its inside growth (§7702(g)). Values in any one currency (ratios do not depend on currency). Does not check the guideline premium limit.

输入参数sex必填issue_age必填issue_year必填policy_years必填increasing_benefit_rule

compare_offshore_compliance_options

Compare catch-up options for unreported foreign assets

For a U.S. taxpayer who missed FBAR or Form 8938 filings or left foreign income unreported, estimates and compares the cost of three catch-up paths: A) delinquent information return procedures (only when no income went unreported), B) amended returns with tax and interest plus a reasonable-cause statement (with the statutory penalty exposure if reasonable cause is rejected), and C) the Streamlined Domestic Offshore Procedures (tax, interest and the 5% penalty). Also adds the 1% Form 720 excise tax on premiums paid to foreign insurers. Tax years 2019–2025. Assumes non-willful conduct; it does not decide eligibility.

输入参数years必填filing_status必填

estimate_inheritance_step_up

Estimate the basis step-up on inherited stocks and funds

For U.S.-listed stocks, ETFs, mutual funds or crypto held at someone's death (directly, in an estate or in a revocable living trust), estimates the value on the date of death from public market prices, the IRC §1014 step-up in cost basis and the capital-gains tax the heirs avoid (15%–23.8%), plus the dates that matter: the §2032 alternate valuation date, the Form 706 due date and the last day for a portability election (Rev. Proc. 2022-32). Valuation follows Treas. Reg. §20.2031-2(b) (mean of high and low, weekend and no-trade days weighted) and §20.2031-8(b) for funds. Up to 25 holdings. An estimate for planning, not a signed valuation a broker or the IRS will accept; the reply says where to get one.

输入参数holdings必填date_of_death必填

版本历史

3
  1. v1.3.0最新Nov 7, 2026
  2. v1.1.0Oct 19, 2026
  3. v1.0.1Oct 18, 2026

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