# Income Checker

> Income and rent calculators, pay stub math checks, and bank-based income analysis tools.

- name: io.github.Tariqlearnstocode/incomechecker
- version: 1.0.0
- connection class: R0 (autonomous)
- trust: 80/100 flags: no-repository
- quality: 90/100 (new)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/io.github.Tariqlearnstocode%2Fincomechecker
- tools: https://api.protogrid.dev/v1/servers/io.github.Tariqlearnstocode%2Fincomechecker/tools

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

## Connection (mcpServers)

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


## Trust

- hygiene: 80
- liveness: 100
- freshness: 100
- provenance: 45
- drivers: +website +reachable +uptime-100% +updated-3d-ago -no-repository
- Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed.

## Quality 90/100 (new)

### protocol: 88 (weight 25)

- pass `protocol.modern`: supports 2026-07-28 (server/discover)
- pass `protocol.stateless`: answers without a session
- pass `protocol.transport`: streamable HTTP
- warn `protocol.list_ttl`: tools/list declares ttlMs 0, so clients re-fetch it on every use

### 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: 93 (weight 30)

- pass `tools.descriptions`: every tool has a description
- pass `tools.description_length`: descriptions are concise
- pass `tools.schemas`: every tool has an object input schema
- pass `tools.annotations`: 13 of 13 tools declare readOnlyHint or destructiveHint
- warn `tools.directory_hints`: 9 of 13 tools declare all four hints; missing: get_account (destructiveHint, idempotentHint); get_report (destructiveHint, idempotentHint); buy_credits (idempotentHint); …
- pass `tools.token_cost`: about 2,111 tokens to load every tool
- pass `tools.api_dump`: tools are not a one-to-one API dump

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

- n/a `stability.changes`, `stability.rug_pull`: tool history recorded for 2 of the 7 days needed

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

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

- tools: 13, about 2,111 tokens to load them all
- tool set hash: 604ede4ddc25049b7cdeca570d640b17
- badge: [![protogrid quality](https://protogrid.dev/badge/io.github.Tariqlearnstocode/incomechecker.svg)](https://protogrid.dev/servers/io.github.Tariqlearnstocode/incomechecker)
- Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed.

### Tool changes

_No tool definition changes recorded._

## Remotes

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

## Packages

_none_

## Tools (13)

- `buy_credits`: Creates a secure Stripe checkout link for a pack of non-expiring verification credits. Packs: 1 for $5.00, 3 for $15.00, 5 for $25.00, 10 for $50.00, 25 for $125.00, 50 for $250.00. Give the user the link to pay; credits are added once payment completes.
- `check_pay_stub_math`: Checks the figures on a pay stub for internal inconsistencies: gross minus deductions vs net, hours × rate, Social Security and Medicare rates, pay period length, pay date, year-to-date totals, and suspiciously round numbers. Read the numbers off the stub and pass them in. Flags items for follow-up; it does not authenticate a document or prove fraud.
- `debt_to_income`: Front-end (housing) and back-end debt-to-income ratios with common lender bands.
- `get_account`: Shows the signed-in user’s email and how many verification credits they have left.
- `get_report`: Returns the income analysis for a completed verification: estimated monthly income, income sources, other deposits, and account balances. Present figures as estimates, never as verified or approved income.
- `how_to_verify_income`: Explains how to check or verify a person’s income (a tenant, applicant, borrower, guarantor, investor, or yourself), including bank-based income analysis, pay stubs, and their limits. Use when someone asks how to verify, check, or prove income.
- `list_verifications`: Lists the signed-in user’s income verification requests, newest first, with status and report links.
- `monthly_income_from_pay`: Converts a pay amount (hourly, weekly, every two weeks, twice a month, monthly, or annual) into gross monthly, annual, biweekly, weekly, and hourly income.
- `prorated_rent`: Rent owed for a partial first month, from the move-in date through the end of that month.
- `rent_affordability`: Affordable rent from gross monthly income using the 30% rule, the 3x-rent rule, a 25-30% comfortable range capped at 36% total debt, and 50/30/20.
- `rent_to_income`: Income needed for a given rent (2.5x, 3x, 3.5x rules), the max rent for a given income at 3x, or the rent-to-income ratio when both are given. Pass monthly figures.
- `send_verification_request`: Uses one credit to create a bank-based income check and emails the applicant a secure link to connect their bank through Plaid. Confirm the applicant’s name and email with the user before calling. The report is ready after the applicant connects; check it with list_verifications or get_report.
- `start_income_verification`: Returns the link and steps to request a bank-based income report from Income Checker for a tenant, applicant, borrower, or yourself. Use when the user wants to actually verify or check someone’s income, not just learn how.