🏛️ irs-taxpayer-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

⚡ 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

Deduction Analysis

Tax Credits

Retirement & Strategy

Tax Planning & Scenarios

State Taxes

IRS Information

OBBB Act (2025) Tools

Full Reports & Analysis

📊 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

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