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Netwise Paycheck Calculator

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2026 paycheck after taxes

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Healthy
Last Tested
Transport
Streamable HTTP ยท MCP 2025-11-25
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TDQS

A4.4/5.0

Scored across 3 tools

Disambiguation5/5

The three tools have clearly distinct roles: forward paycheck calculation, inverse gross-up calculation, and side-by-side scenario comparison. Each description states explicit use cases and exclusions, such as gross-up not covering bonuses and comparison not covering cost of living, which prevents misselection.

Naming Consistency5/5

All names follow a consistent snake_case verb_noun pattern: calculate_gross_up, calculate_paycheck, compare_paychecks. The plural 'paychecks' in compare_paychecks is semantically justified because it compares two scenarios, not an inconsistency.

Tool Count5/5

Three tools are well-scoped for a paycheck calculator: one computes net pay, one solves for gross pay, and one compares scenarios. Each earns its place without redundant or trivial operations.

Completeness4/5

The core paycheck lifecycle is covered: forward calculation, inverse gross-up, and multi-scenario comparison, with PDF/CSV outputs. Minor gaps exist around supplemental wages/bonuses and multi-job aggregation, but these are explicitly excluded or outside the stated purpose.

Available Tools

3 tools
calculate_gross_upFind salary for a take-home targetA
Read-onlyIdempotent
Inspect

Use this when the user knows the take-home pay they want and asks what salary or hourly rate they need in 2026, e.g. 'what salary do I need to take home $5,000 a month in New Jersey' or 'gross up $2,000 net biweekly'. Solves for the gross pay whose net pay after federal withholding, FICA, state taxes and the given deductions meets the target, using the same 2026 rules as calculate_paycheck. Returns the annual salary, the gross per check, the hourly equivalent if hours_per_week is given, and the full breakdown. Does not gross up bonuses or supplemental wages.

NameRequiredDescriptionDefault
labelNoShort name for this scenario, e.g. 'Austin offer' or '401k at 10%'.
stateNoUS state where you work and live, as a code or name, e.g. CA, Texas, New Jersey, NYC. Omit for federal only.
localityNoOptional local tax area where the state supports it, e.g. nyc, yonkers, philadelphia, or a Maryland or Indiana county such as montgomery or marion.
k401_percentNoTraditional (pre-tax) 401(k) or 403(b) contribution as a percent of gross pay, e.g. 6 for 6%.
filing_statusNoForm W-4 Step 1(c) filing status: single (or married filing separately, default), married (filing jointly), head_of_household.
pay_frequencyNoHow often you are paid: weekly (52), biweekly (26, every two weeks, default), semimonthly (24, twice a month), monthly (12).
hours_per_weekNoRegular hours worked per week for hourly pay, e.g. 40. Defaults to 40.
w4_step3_amountNoTotal dollar amount on W-4 Step 3 (dependents and other credits), e.g. 4400.
hsa_per_paycheckNoHSA contribution through payroll per paycheck in USD, e.g. 75.
other_dependentsNoOther dependents for W-4 Step 3 ($500 each), e.g. 1.
state_allowancesNoAllowances or exemptions claimed on the state withholding form (state W-4), e.g. 1. Defaults depend on the state.
w4_step2_checkedNoTrue if the Form W-4 Step 2 box is checked (two jobs, or married and the spouse also works). Default false.
children_under_17NoQualifying children under 17 for W-4 Step 3 ($2,200 each in 2026), e.g. 2. Ignored if w4_step3_amount is given.
roth_401k_percentNoRoth 401(k) (after-tax) contribution as a percent of gross pay, e.g. 4.
state_filing_statusNoState withholding form status when it differs from the federal one, e.g. NJ 'B', CT 'A', AZ '2.0' (percent). Usually omit.
target_net_per_yearNoWanted take-home pay per year in USD, e.g. 60000. Use instead of target_net_per_paycheck.
w4_step4b_deductionsNoW-4 Step 4(b) deductions per year, e.g. 5000.
w4_step4a_other_incomeNoW-4 Step 4(a) other income per year (not from jobs), e.g. 2000.
target_net_per_paycheckNoWanted take-home pay per paycheck in USD, e.g. 2000.
w4_step4c_extra_withholdingNoW-4 Step 4(c) extra federal withholding per paycheck, e.g. 50.
ytd_gross_before_this_checkNoGross pay already received from this job earlier in 2026, e.g. 150000. Only matters near the Social Security wage base or the $200,000 Additional Medicare threshold.
state_additional_withholdingNoExtra state withholding per paycheck in USD, e.g. 20.
health_insurance_per_paycheckNoPre-tax (section 125) health, dental and vision premiums and FSA per paycheck in USD, e.g. 120.

Output Schema

NameRequiredDescription
labelYes
linesYes
notesYes
stateYes
downloadsYes
net_per_yearYes
state_methodYes
net_per_checkYes
pay_frequencyYes
gross_per_yearYes
taxes_per_yearYes
checks_per_yearYes
federal_bracketYes
gross_per_checkYes
state_supportedYes
taxes_per_checkYes
effective_tax_rateYes
hourly_rate_neededYes
annual_salary_neededYes
effective_state_rateYes
target_net_per_checkYes
effective_federal_rateYes

TDQS

A4.3/5.0
Behavior4/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

The annotations already declare this as a read-only, idempotent, non-destructive, closed-world operation, so the safety profile is covered. The description adds useful behavioral context by stating what is returned (annual salary, gross per check, hourly equivalent when hours_per_week is supplied, and full breakdown) and by ruling out bonus/supplemental wage gross-ups. It does not describe iteration or method, but that is not essential for a safe calculation tool.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness5/5

Is the description appropriately sized, front-loaded, and free of redundancy?

The description front-loads the usage trigger, then explains the calculation, return values, and scope exclusion in three efficient sentences. Every sentence contributes distinct information and there is no filler.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness5/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

Given the 23-parameter schema with full descriptions, an output schema, and clear read-only annotations, the description covers purpose, usage, return shape, and exclusions well enough for an agent to call it correctly. No essential calling context is missing.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters3/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema description coverage is 100%, so every parameter is already documented in the input schema. The description reinforces a few semantics through examples (state, monthly/biweekly targets) and mentions the condition for hourly equivalent (hours_per_week is given), but adds only marginal meaning beyond the rich schema.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description states a specific reverse-calculation verb and resource: solving for the gross salary or hourly rate that produces a target take-home pay. It anchors this with two concrete natural-language examples and explicitly scopes the calculation to 2026 payroll rules, making its niche immediately distinguishable from calculate_paycheck.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines4/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

It gives a clear when-to-use trigger (the user knows the take-home and asks what salary or rate they need) and an explicit when-not scope exclusion (bonuses and supplemental wages). It also references calculate_paycheck as the source of the same 2026 rules, but does not explicitly name it as the tool to choose for forward gross-to-net calculations or mention compare_paychecks.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

calculate_paycheckCalculate take-home payA
Read-onlyIdempotent
Inspect

Use this when the user asks 'how much is my paycheck after taxes', wants a paycheck calculator or take home pay calculator for a US job in 2026, or asks what a salary or hourly wage is after tax (e.g. '85k salary after taxes in California', 'what is 75000 a year biweekly after taxes', '$22 an hour 40 hours', 'how much tax comes out of my paycheck'). Computes federal income tax withholding with the IRS Pub. 15-T 2026 percentage method and Form W-4 inputs, Social Security, Medicare, Additional Medicare, state income tax and state payroll taxes (e.g. CA SDI, NJ FLI, WA Cares), pre-tax 401(k)/HSA/health premiums, net pay per check and per year, and effective rates. Returns a PDF estimate and a CSV with one row per 2026 paycheck. Does not run payroll, file tax returns, or produce pay stubs. Do not use to make a pay stub or proof of income.

NameRequiredDescriptionDefault
labelNoShort name for this scenario, e.g. 'Austin offer' or '401k at 10%'.
stateNoUS state where you work and live, as a code or name, e.g. CA, Texas, New Jersey, NYC. Omit for federal only.
localityNoOptional local tax area where the state supports it, e.g. nyc, yonkers, philadelphia, or a Maryland or Indiana county such as montgomery or marion.
hourly_rateNoHourly wage in USD, e.g. 22 for $22 an hour. Combine with hours_per_week.
k401_percentNoTraditional (pre-tax) 401(k) or 403(b) contribution as a percent of gross pay, e.g. 6 for 6%.
annual_salaryNoYearly salary before taxes in USD, e.g. 85000. Give this, or hourly_rate, or gross_per_paycheck.
filing_statusNoForm W-4 Step 1(c) filing status: single (or married filing separately, default), married (filing jointly), head_of_household.
pay_frequencyNoHow often you are paid: weekly (52), biweekly (26, every two weeks, default), semimonthly (24, twice a month), monthly (12).
hours_per_weekNoRegular hours worked per week for hourly pay, e.g. 40. Defaults to 40.
w4_step3_amountNoTotal dollar amount on W-4 Step 3 (dependents and other credits), e.g. 4400.
hsa_per_paycheckNoHSA contribution through payroll per paycheck in USD, e.g. 75.
other_dependentsNoOther dependents for W-4 Step 3 ($500 each), e.g. 1.
state_allowancesNoAllowances or exemptions claimed on the state withholding form (state W-4), e.g. 1. Defaults depend on the state.
w4_step2_checkedNoTrue if the Form W-4 Step 2 box is checked (two jobs, or married and the spouse also works). Default false.
children_under_17NoQualifying children under 17 for W-4 Step 3 ($2,200 each in 2026), e.g. 2. Ignored if w4_step3_amount is given.
k401_per_paycheckNoTraditional 401(k) contribution in dollars per paycheck, e.g. 200. Use instead of k401_percent.
roth_401k_percentNoRoth 401(k) (after-tax) contribution as a percent of gross pay, e.g. 4.
gross_per_paycheckNoGross pay per paycheck in USD before any deductions, e.g. 3200. Use instead of a salary or hourly rate.
overtime_multiplierNoOvertime pay multiplier, e.g. 1.5 for time-and-a-half (default) or 2 for double time.
state_filing_statusNoState withholding form status when it differs from the federal one, e.g. NJ 'B', CT 'A', AZ '2.0' (percent). Usually omit.
w4_step4b_deductionsNoW-4 Step 4(b) deductions per year, e.g. 5000.
w4_step4a_other_incomeNoW-4 Step 4(a) other income per year (not from jobs), e.g. 2000.
overtime_hours_per_weekNoOvertime hours per week paid at overtime_multiplier, e.g. 5. Defaults to 0.
claim_overtime_deductionNoTrue to add the 2026 qualified overtime deduction (the 'half' of time-and-a-half, up to $12,500 or $25,000 married) to W-4 Step 4(b), as the 2026 W-4 worksheet allows. Needs hourly_rate and overtime hours.
w4_step4c_extra_withholdingNoW-4 Step 4(c) extra federal withholding per paycheck, e.g. 50.
ytd_gross_before_this_checkNoGross pay already received from this job earlier in 2026, e.g. 150000. Only matters near the Social Security wage base or the $200,000 Additional Medicare threshold.
state_additional_withholdingNoExtra state withholding per paycheck in USD, e.g. 20.
health_insurance_per_paycheckNoPre-tax (section 125) health, dental and vision premiums and FSA per paycheck in USD, e.g. 120.

Output Schema

NameRequiredDescription
labelYes
linesYes
notesYes
stateYes
downloadsYes
net_per_yearYes
state_methodYes
net_per_checkYes
pay_frequencyYes
gross_per_yearYes
taxes_per_yearYes
checks_per_yearYes
federal_bracketYes
gross_per_checkYes
state_supportedYes
taxes_per_checkYes
effective_tax_rateYes
effective_state_rateYes
effective_federal_rateYes

TDQS

A4.1/5.0
Behavior5/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Annotations already establish readOnlyHint, idempotentHint, non-destructive behavior, and closed-world scope. The description adds substantive behavioral context: the exact tax methodology, pre-tax deductions handled, output artifacts (PDF estimate and CSV with one row per paycheck), and explicit non-goals such as not running payroll or filing tax returns.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness4/5

Is the description appropriately sized, front-loaded, and free of redundancy?

The description is front-loaded with usage triggers and then covers computations, outputs, and exclusions. It is appropriately sized for a complex 28-parameter tax calculator, though the first sentence is a long run-on with repetitive example phrasing.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness5/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

Given the full input schema, existing output schema, and safety annotations, the description is complete enough for an agent to understand when to call it, what it computes, what it returns, and what it does not do. No critical operational detail is missing.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters3/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema description coverage is 100%, so all 28 parameters are already documented with examples and constraints. The description adds useful query examples that map to salary, state, and hourly inputs, but does not provide parameter semantics beyond what the schema already supplies.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose4/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description states a specific verb and resource: computing take-home pay from salary, hourly wage, or gross pay, including federal/state withholding and deductions. It clearly distinguishes the tool from payroll processing and pay-stub generation, but it does not explicitly distinguish it from sibling tools like calculate_gross_up or compare_paychecks.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines4/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

It provides explicit triggering user questions such as 'how much is my paycheck after taxes' and '85k salary after taxes in California,' along with exclusions like not for pay stubs or proof of income. It lacks explicit routing to sibling alternatives, so it falls short of a full 5.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

compare_paychecksCompare two paychecksA
Read-onlyIdempotent
Inspect

Use this when the user wants to compare take-home pay for two US paycheck scenarios in 2026 side by side: 'should I take the job in Texas or California after taxes', two job offers in different states or cities, a raise, a different pay frequency, or 'how much more per paycheck if I raise my 401k to 10%'. Give scenario a in full and scenario b with only the fields that change (everything else is copied from a). Returns both breakdowns (federal withholding, FICA, state taxes, net per check and per year) and the difference, plus a side-by-side PDF and a CSV. Does not compare cost of living, benefits, or run payroll.

NameRequiredDescriptionDefault
aNoScenario A in full, e.g. {annual_salary: 95000, state: 'TX', pay_frequency: 'biweekly', label: 'Austin'}.
bNoScenario B: only the fields that differ from A, e.g. {annual_salary: 110000, state: 'NY', locality: 'nyc', label: 'NYC'}. Set a field to null to remove it from B.

Output Schema

NameRequiredDescription
aYes
bYes
notesYes
downloadsYes
differenceYes

TDQS

A4.6/5.0
Behavior4/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Goes beyond the read-only/idempotent annotations by disclosing the inputs' merge contract (b holds only changed fields), naming the returned artifacts (per-check and per-year breakdowns, difference, PDF and CSV), and bounding scope. It does not mention error behavior or limits on the comparison, but the trait coverage is otherwise strong.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness4/5

Is the description appropriately sized, front-loaded, and free of redundancy?

Front-loaded with the use case, then the input rule, then outputs, then exclusions โ€” a sensible order with no filler. The opening sentence is long because it packs in several example phrasings, which slightly blunts scannability.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness5/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

For a two-object, deeply nested tool with an output schema, the description supplies everything needed to invoke it correctly: what to pass, how b relates to a, what comes back, and what the tool refuses to do. Return-value detail can safely be left to the output schema.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters4/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema description coverage is 100%, so the baseline is 3. The description still adds real value by stating the split of labor between a and b ('give scenario a in full and scenario b with only the fields that change, everything else is copied from a'), which tells the agent how to construct the payload rather than just what each field means.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

States a specific verb and resource ('compare take-home pay for two US paycheck scenarios in 2026 side by side') and immediately grounds it in recognizable user phrasings like state-to-state job offers and 401k changes. It is clearly distinguishable from calculate_paycheck by the two-scenario framing.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines5/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

Gives concrete triggering utterances ('should I take the job in Texas or California after taxes', raise, pay frequency change) and explicitly excludes out-of-scope uses: 'Does not compare cost of living, benefits, or run payroll.' Little is left to inference.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

Tool Schema Changelog

Recent tool additions, removals, and schema changes observed during successful MCP inspections.

  1. 3 tool updates
    • First observedcalculate_gross_up
    • First observedcalculate_paycheck
    • First observedcompare_paychecks

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