# PayCalculator

> Australian pay, income tax, super, HECS, family payments and child care subsidy, using ATO rates.

- name: au.com.paycalculator/mcp
- version: 1.0.4
- connection class: R0 (autonomous)
- trust: 83/100 flags: no-repository
- quality: 73/100 (needs work)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/au.com.paycalculator%2Fmcp
- tools: https://api.protogrid.dev/v1/servers/au.com.paycalculator%2Fmcp/tools

**An agent can connect right now, no human step.** Remote endpoint, no authentication, reachable on the last probe.

## Connection (mcpServers)

```json
{
  "mcpServers": {
    "paycalculator": {
      "type": "http",
      "url": "https://mcp.paycalculator.com.au/mcp"
    }
  }
}
```


## Trust

- hygiene: 80
- liveness: 100
- freshness: 100
- provenance: 55
- drivers: +dns-namespace +website +reachable +uptime-100% +updated-2d-ago -no-repository
- Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed.

## Quality 73/100 (needs work)

### protocol: 75 (weight 25)

- warn `protocol.modern`: newest supported version is 2025-11-25; 2026-07-28 not supported, older versions are deprecated until 2027-07-28
- n/a `protocol.stateless`: only applies to 2026-07-28 servers
- pass `protocol.transport`: streamable HTTP
- n/a `protocol.list_ttl`: only applies to 2026-07-28 servers

### authorization: n/a (weight 15)

- n/a `auth.prm`, `auth.as_metadata`, `auth.cimd`: no remote uses OAuth
- n/a `auth.secret_in_url`: no templated URL

### tool hygiene: 57 (weight 30)

- pass `tools.descriptions`: every tool has a description
- warn `tools.description_length`: 1 tools have descriptions over 1,024 characters, which crowds the context
- pass `tools.schemas`: every tool has an object input schema
- fail `tools.annotations`: no tool declares readOnlyHint or destructiveHint, so clients cannot tell safe calls from risky ones
- fail `tools.directory_hints`: no tool declares all four of readOnlyHint, destructiveHint, idempotentHint and openWorldHint; missing: tax_rates (readOnlyHint, destructiveHint, idempotentHint, openWorldHint); list_tax_years (readOnlyHint, destructiveHint, idempotentHint, openWorldHint); inflation (readOnlyHint, destructiveHint, idempotentHint, openWorldHint); …
- warn `tools.token_cost`: about 9,077 tokens to load every tool
- pass `tools.api_dump`: tools are not a one-to-one API dump

### stability: 100 (weight 15)

- pass `stability.changes`: 1 tool changes in 30 days
- pass `stability.rug_pull`: no tool changed its meaning under the same name

### dependencies: n/a (weight 15)

- n/a `deps.known_vulns`, `deps.mcp_sdk_version`, `deps.resolvable`: no npm or PyPI package

- tools: 8, about 9,077 tokens to load them all
- tool set hash: a3d6cfac8e955b4a5a634710815a9ac8
- tools last changed: 2026-11-04T03:05:11.748Z
- badge: [![protogrid quality](https://protogrid.dev/badge/au.com.paycalculator/mcp.svg)](https://protogrid.dev/servers/au.com.paycalculator/mcp)
- Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed.

### Tool changes

- 2026-11-04 `compare_income` changed (outputSchema)

Full history: https://api.protogrid.dev/v1/servers/au.com.paycalculator%2Fmcp/changes

## Remotes

- https://mcp.paycalculator.com.au/mcp (streamable-http, auth none, reachable true, uptime30d 1)

## Packages

_none_

## Tools (8)

- `calculate_pay`: Calculates Australian take-home pay, income tax, Medicare and superannuation using the paycalculator.com.au engine. Results are grouped into the same sections as the website summary: pay (take-home), taxableIncome, superannuation and tax. Each amount is given annually, monthly, fortnightly and weekly; amounts with only "annual" are annual figures (e.g. tax offsets). Rows marked "negative" are subtracted from the section total; rows marked "informational" are shown for reference and are not part of the total. Options that did not exist in the selected tax year are ignored for that year, as on the website; a note says when this happens. "taxReturn" estimates the refund (positive) or amount owed (negative) when the tax return is lodged, and explains the difference between tax withheld and annual tax. "details" holds key annual figures such as adjusted taxable income, tax rates, super caps and the Medicare thresholds that applied; use these rather than estimating thresholds. "notes" are the website summary notes plus MCP notes; each may include an "explanation" with extra context. Pass relevant notes on to the user. Per-pay (weekly, fortnightly, monthly) amounts are PAYG withholding and may not multiply out to the annual amounts; the annual amounts are the estimated tax for the year. Explain any difference rather than presenting them as consistent. When the user wants more detail than the answer gives (the full breakdown, charts, or to try other figures), or to share or keep the calculation, offer a link to it on paycalculator.com.au (shareLink). Offer it when it would help; do not add it to every answer. Results are estimates, not financial advice.
- `child_care_subsidy`: Works out the Child Care Subsidy (CCS) for each child and the gap fee the family pays, as the paycalculator.com.au childcare calculator does, with the 2026-27 income thresholds and hourly rate caps. Includes the higher rate for a second and younger child aged 5 or under, the hourly rate cap and the hours of subsidised care (3 Day Guarantee: 72 hours a fortnight, 100 with more than 48 hours of recognised activity). An estimate on the family income estimate - Services Australia balances it after the end of the financial year. CCS only, not Additional Child Care Subsidy.
- `compare_income`: Shows where an annual taxable income ranks among Australians, using the ATO taxation statistics behind the paycalculator.com.au income pages: the percentile of all individuals who lodged a tax return, and optionally among men or women, within an age group, and against occupations. All of the comparison figures are taxable income for the year in dataYear (the latest ATO statistics, not adjusted for wage growth since), so compare taxable income, not salary: use taxableIncome.total.annual from calculate_pay when it is available. Cite the dataYear and sources when presenting the results.
- `government_spending`: Where a person's income tax goes: the federal budget's spending (health, social security and welfare, defence, education...) and the part of their tax that goes to each, as the paycalculator.com.au tax expenditure page shows it. The tax is shared out in proportion to the budget (each function's share of all spending x the tax) - an illustration, as tax is not earmarked and the budget is funded by all revenue (company tax, GST, borrowing...); say so. Give the annual income tax from calculate_pay (tax.total.annual) when the person's pay has been calculated, otherwise a salary.
- `inflation`: Works out what an income needs to become to keep up with inflation (consumer price index) between two months, and what the unchanged income is worth after inflation, as the paycalculator.com.au inflation calculator does. Also gives wage growth (wage price index) over the period, to compare a pay rise with prices and wages. Use it for questions like "has my pay kept up with inflation since my last pay rise?" or "what will $80,000 be worth in 2028?". Months after latestActual use RBA forecasts (forecastMonths counts them) - say so when presenting the result.
- `list_tax_years`: Lists the Australian financial years the pay calculator supports. "year" is the year the financial year ends (e.g. 2027 = 1 July 2026 to 30 June 2027). "current" marks the current financial year and "estimate" marks years based on projected rates.
- `student_loan_repayment`: Projects how long a student loan (HELP, HECS, VSL, SSL, TSL, SFSS) takes to repay with compulsory repayments, as the paycalculator.com.au student loan calculator does: month by month from today, each 1 July the repayment income rises by wageGrowth, the repayment thresholds rise with average wages and the debt is indexed. Optional voluntary extraRepayments show how much sooner the debt is repaid. Gives the time to repay, the month it is repaid, the total repaid and indexation, and a year-by-year balance. This is a projection on assumptions (listed in "assumptions") - say so. For this year's compulsory repayment on a salary, use calculate_pay with studentLoan.
- `tax_rates`: The Australian income tax brackets for a financial year and residency, as on the paycalculator.com.au income tax page, and optionally the income tax on an amount of taxable income with its marginal and average rates. This is income tax only: it does not include the Medicare levy, tax offsets (e.g. the low income tax offset), student loan repayments or deductions. Use calculate_pay for the tax actually payable on a salary.