🏛️ irs-taxpayer-mcp

Name: irs-taxpayer-mcp
Author: dma9527

The most thorough open-source tax assistant for US individual taxpayers — powered by Model Context Protocol.

License: MIT npm TypeScript MCP

⚠️ Disclaimer: This tool provides estimates for educational and informational purposes only. It does not constitute tax, legal, or financial advice. Always consult a qualified tax professional.

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 full legal notice.

Why This MCP?

Tax season is stressful. You're juggling W-2s, 1099s, deductions, credits, and trying to figure out if you should itemize or take the standard deduction. You Google "SALT deduction limit 2025" and get 10 conflicting articles.

This MCP server puts a tax-aware assistant right inside your AI chat. Ask it anything about your tax situation in plain language, and get precise, up-to-date answers — with all calculations running locally on your machine. No data leaves your computer. No IRS login needed. No SSN required.

It knows about the One Big Beautiful Bill Act (2025), the latest bracket adjustments, SALT cap changes, and every major credit and deduction. It's like having a knowledgeable friend who happens to be a tax nerd.

🔒 Privacy Architecture

Layer	Design
All tax calculations	100% local execution — zero network calls
User data storage	Stateless — nothing saved between calls
Authentication	Zero credentials — no SSN, no IRS login
Remote data	Only public IRS info (form descriptions, deadlines)
Telemetry	None — no analytics, no tracking, no logging
Source code	Fully open-source (MIT) — audit every calculation

⚡ Getting Started

Step 1: Add to your AI assistant

Add this to your MCP client configuration:

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

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

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

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

Cursor — same format in Cursor's MCP settings.

Step 2: Restart your AI assistant

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

Step 3: Start asking tax questions

That's it. Just chat naturally:

"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

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

Alternative: SSE Transport

npx irs-taxpayer-mcp --sse --port 3000 # Health check: http://localhost:3000/health # SSE endpoint: http://localhost:3000/sse

🛠️ Tools (39)

Federal Tax Calculations

Tool	What it does
`calculate_federal_tax`	Full federal tax with bracket breakdown, AMT, NIIT (3.8%), Additional Medicare Tax (0.9%), QBI deduction, SE tax, capital gains, CTC
`get_tax_brackets`	Tax brackets and standard deduction by filing status and year
`compare_filing_statuses`	Side-by-side comparison of all 4 filing statuses for the same income
`estimate_quarterly_tax`	Estimated quarterly payments (1040-ES) with safe harbor guidance
`calculate_total_tax`	Combined federal + state tax in one call, with take-home pay and monthly income
`calculate_w4_withholding`	Per-paycheck withholding estimate with step-by-step W-4 form recommendations

Deduction Analysis

Tool	What it does
`list_deductions`	Browse all deductions with eligibility rules, limits, and forms
`standard_vs_itemized`	Compare standard vs itemized with year-specific SALT cap ($10K for TY2024, $40K for TY2025)

Tax Credits

Tool	What it does
`list_tax_credits`	20+ federal credits: CTC, EITC, AOTC, EV, solar, saver's credit, and more
`check_credit_eligibility`	Quick screening based on your income, family, and situation
`calculate_eitc`	Precise EITC calculation with phase-in/plateau/phase-out for 0-3 children

Retirement & Strategy

Tool	What it does
`get_retirement_accounts`	IRA, Roth, 401k, SEP, Solo 401k, HSA, 529 — limits, tax treatment, tips
`get_retirement_strategy`	Backdoor Roth, Mega Backdoor, Roth Conversion Ladder, Tax Loss/Gain Harvesting

Tax Planning & Scenarios

Tool	What it does
`get_tax_planning_tips`	Personalized year-end optimization: 401k maxing, HSA, Roth conversion, tax-loss harvesting, charitable bunching
`compare_tax_years`	Compare TY2024 vs TY2025 to see how bracket changes and OBBB affect your tax
`estimate_self_employment_tax`	Full SE tax breakdown: Schedule C profit, SE tax, QBI deduction, quarterly payments, SEP/Solo 401k limits
`analyze_mortgage_tax_benefit`	Mortgage interest + property tax deduction analysis with year-specific SALT cap
`analyze_education_tax_benefits`	AOTC vs Lifetime Learning Credit comparison, student loan deduction, 529 plan guidance

State Taxes

Tool	What it does
`get_state_tax_info`	Rates, brackets, and details for all 50 states + DC
`estimate_state_tax`	Estimate state tax liability with state-specific deductions
`compare_state_taxes`	Compare multiple states side-by-side (great for relocation decisions)
`list_no_income_tax_states`	All 9 states with no income tax

IRS Information

Tool	What it does
`get_tax_deadlines`	Key IRS dates and deadlines by tax year
`check_refund_status`	How to check your refund (guidance only — no IRS account access)
`get_irs_form_info`	Info about 14 common IRS forms (1040, W-2, 1099s, Schedules, etc.)

OBBB Act (2025) Tools

Tool	What it does
`calculate_obbb_deductions`	Calculate all 4 new OBBB deductions: tips, overtime, senior bonus, auto loan interest
`what_changed_between_tax_years`	Full diff between TY2024 and TY2025 — brackets, deductions, credits, SALT, OBBB provisions

Full Reports & Analysis

Tool	What it does
`generate_full_tax_report`	TurboTax-style full report: income → deductions → federal → FICA → state → take-home → refund
`process_1099_income`	Process multiple 1099 forms (NEC, INT, DIV, B, MISC) with tax impact by category
`get_personalized_tax_calendar`	Personalized deadlines based on your situation (self-employed, extension, investments)
`analyze_paycheck`	Verify paycheck withholding accuracy, project annual tax, suggest W-4 adjustments
`compare_mfj_vs_mfs`	MFJ vs MFS comparison with tax diff and all MFS restriction warnings
`simulate_tax_scenario`	What-if modeling: income changes, relocation, Roth conversion, 401k, filing status
`assess_audit_risk`	IRS audit risk scoring with red flag identification and mitigation tips
`get_tax_document_checklist`	Personalized filing document checklist based on your income and life events
`optimize_capital_gains`	Investment lot analysis: 0% bracket harvesting, tax-loss harvesting, wash sale warnings
`plan_retirement_withdrawals`	Optimal withdrawal order (Traditional/Roth/Taxable), RMD calculation, Roth conversion
`plan_multi_year_taxes`	3-5 year tax projection with bracket management and age milestones
`analyze_relocation_taxes`	In-depth state relocation analysis with multi-year savings and SALT impact

📊 Tax Year Coverage

TY2024 (filing now)

All data from IRS Revenue Procedure 2023-34. Standard deduction $14,600 (single) / $29,200 (MFJ). CTC $2,000. SALT cap $10,000.

TY2025 (updated for One Big Beautiful Bill Act)

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)

🧮 Calculation Engine

Feature	Status
Federal income tax (7 brackets × 4 statuses)	✅
Long-term capital gains (0%/15%/20%)	✅
Self-employment tax (SS + Medicare)	✅
Net Investment Income Tax (3.8% NIIT)	✅
Additional Medicare Tax (0.9%)	✅
Alternative Minimum Tax (AMT)	✅
QBI Deduction (Section 199A)	✅
Child Tax Credit with phase-out	✅
EITC precise calculation	✅
Standard vs itemized deduction	✅
Year-specific SALT cap (OBBB)	✅
State taxes (50 states + DC)	✅
20+ federal tax credits	✅
Retirement accounts & strategies	✅
W-4 withholding calculator	✅

All data points cite IRS Revenue Procedures, IRC sections, and relevant legislation (TCJA, SECURE 2.0, OBBB).

🏗️ Build from Source

git clone https://github.com/dma9527/irs-taxpayer-mcp.git cd irs-taxpayer-mcp npm install npm run build npm start # stdio mode npm run dev # development mode (tsx)

🐛 Found a Bug?

Calculation error or incorrect data? Open an issue — include the tool name, your inputs, and the expected result.
Questions or discussion? GitHub Discussions
Want to contribute? See CONTRIBUTING.md

🤝 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.

📄 License

MIT

irs-taxpayer-mcp