US Tax Estimator

com.yz-cpa由 yz-cpa.com 發布官方發布者v1.3.0更新於 Nov 7, 2026

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

已驗證Streamable HTTP可網頁執行金融資料與分析

概覽

AI 產生的概覽

遠端 MCP 伺服器,提供美國聯邦稅務計算:所得稅估算、申報截止日、境外申報門檻檢查與成本基礎調升。

可以做什麼
  • 估算聯邦所得稅與自雇稅、退稅或應補稅額、邊際與有效稅率、分級明細及安全港預繳額
  • 列出即將到來的美國聯邦稅務截止日,含季度預繳與各類實體申報
  • 依 FBAR、8938 表與 3520 表的門檻核對境外資產金額
  • 依 IRC §7702 定義初步篩檢非美國儲蓄型人壽保險保單
  • 比較漏報 FBAR 或 8938 表、未申報境外收入時的補正方案成本
  • 估算繼承的證券或加密貨幣於死亡日的價值、§1014 成本基礎調升及可避免的資本利得稅
適用情境
適合在規劃討論中需要快速、結構化的美國稅務數字時使用:粗略稅負與預扣核對、截止日查詢、境外申報門檻問題,或說明境外合規補正方案的成本。
執行需求
遠端 streamable HTTP 端點;未宣告需要帳號、API 金鑰或環境變數。估算工具支援 2025 與 2026 納稅年度。成本基礎工具會查詢公開市場價格,伺服器端需可存取網路。
安裝前請注意
結果為簡化規則下的估算,並非稅務建議,呈現時應說明。境外申報與 §7702 工具僅套用門檻,不判斷哪些帳戶或保單適用。傳入的數字會送至第三方服務,儘管其聲明不儲存任何資料。

安裝

在 SourceWeft 中

  1. 開啟 儀表板中的 US Tax Estimator,將其新增到工作區。
  2. 為需要使用其工具的對話啟用該服務。

Web executable,透過 Streamable HTTP。 遠端服務在工作區中設定後即可從網頁執行環境執行。

交給代理程式安裝

把這段提示詞貼上到 Claude Code、Codex、Cursor 等代理程式,或 SourceWeft 對話中。代理程式會讀取該伺服器的安裝指南,先向你展示發布者、端點和登入方式,經你同意後再把它新增到你的客戶端。金鑰不會寫進任何命令。

閱讀 https://sourceweft.com/mcp/com.yz-cpa%2Fus-tax-estimator/install.md,並按其中說明把這個 MCP 伺服器接入我的客戶端。修改任何設定之前,先告訴我它的發布者、端點和登入方式,等我確認。不要把 API 金鑰寫進命令或我會提交的檔案;問我金鑰應從哪裡取得。

檢視代理程式所依據的安裝指南

其他 MCP 客戶端

把它新增到你客戶端的 mcpServers 設定中。

{
  "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.

輸入參數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 個

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.

輸入參數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.

輸入參數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.

輸入參數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.

輸入參數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.

輸入參數holdings必填date_of_death必填

版本歷史

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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  • 圖示10 分
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