.codex-plugin/plugin.json

{
  "name": "paycheck-calculator",
  "version": "1.0.0",
  "description": "See your 2026 paycheck after federal, FICA and state taxes, per check and per year.",
  "author": {
    "name": "Zovo",
    "email": "support@zovo.one",
    "url": "https://zovo.one"
  },
  "homepage": "https://paycheck-calculator.zovo.one",
  "license": "Proprietary",
  "keywords": [
    "paycheck calculator",
    "take home pay calculator",
    "salary after tax",
    "how much is my paycheck after taxes",
    "hourly paycheck calculator",
    "net pay calculator",
    "paycheck calculator california",
    "paycheck calculator texas",
    "take home pay calculator nyc",
    "401k paycheck impact",
    "biweekly pay after taxes",
    "W-4 withholding"
  ],
  "skills": "./skills/",
  "mcpServers": "./.mcp.json",
  "interface": {
    "displayName": "Netwise Paycheck Calculator",
    "shortDescription": "2026 paycheck after taxes",
    "longDescription": "Paycheck calculator for 2026: see how much is your paycheck after taxes, per check and per year. Give a salary, an hourly wage with hours and overtime, or the gross pay per check, plus your state, and Netwise Paycheck Calculator shows your take-home pay line by line.\n\nWhat it computes:\n- Federal income tax withholding with the IRS Publication 15-T (2026) percentage method and your Form W-4: filing status, the Step 2 box, Step 3 dependents (2,200 dollars per child under 17), and Step 4(a), 4(b) and 4(c).\n- Social Security at 6.2% up to the 2026 wage base of 184,500 dollars, Medicare at 1.45%, and the 0.9% Additional Medicare tax on wages over 200,000 dollars, check by check through the year.\n- State income tax withholding from each supported state's 2026 formula or brackets, plus state employee payroll taxes such as California SDI, New York PFL, New Jersey FLI, and Washington Cares. New York City and Yonkers local tax are included when you say so.\n- Pre-tax 401(k), HSA, and health premiums, and Roth 401(k).\n- Net pay per paycheck and per year, effective tax rates, and the paycheck where Social Security stops.\n\nCompare two scenarios side by side, for example a job offer in Texas against one in California, or how much more per paycheck you keep if you raise your 401(k) to 10%. Or work backward: what salary do you need to take home 5,000 dollars a month?\n\nThe card shows a pay breakdown with a chart, a per check or per year toggle, and editable inputs. Download a PDF estimate and a CSV with one row per 2026 paycheck.\n\nLimits: results are estimates for tax year 2026, not pay stubs, payroll, or tax advice. States without a verified 2026 method are clearly marked as not included. Most city, county, and school district taxes, bonuses and supplemental wages, tips, and self-employment tax are not modeled.",
    "developerName": "Zovo",
    "category": "Finance",
    "capabilities": [
      "Interactive",
      "Read"
    ],
    "websiteURL": "https://paycheck-calculator.zovo.one",
    "supportURL": "https://paycheck-calculator.zovo.one/support",
    "privacyPolicyURL": "https://paycheck-calculator.zovo.one/privacy",
    "termsOfServiceURL": "https://paycheck-calculator.zovo.one/terms",
    "defaultPrompt": [
      "What is $85,000 a year biweekly after taxes in California, single?",
      "Hourly paycheck: $22 an hour, 40 hours a week in Texas, paid weekly. What do I take home?",
      "Should I take $95k in Austin, TX or $110k in New York City? Compare take-home pay, biweekly"
    ],
    "brandColor": "#0F7A55",
    "brandColorDark": "#4FD1A0",
    "composerIcon": "./assets/icon.svg",
    "logo": "./assets/logo.png"
  },
  "extensions": {
    "com.openai": {
      "onboardingSkill": "./skills/paycheck-calculator/SKILL.md",
      "review": {
        "test_cases": {
          "positive": [
            {
              "description": "Salary after taxes in California",
              "prompt": "What is $85,000 a year biweekly after taxes in California, single?",
              "tools_triggered": "calculate_paycheck",
              "expected_behavior": "Calls calculate_paycheck with annual_salary=85000, pay_frequency=biweekly, filing_status=single, state=CA. Reports net pay $2,442.14 per check and $63,495.64 per year from gross $3,269.23 per check: federal income tax $379.62, Social Security $202.69, Medicare $47.40, CA income tax $154.88, CA SDI $42.50, effective tax rate 25.3%. The card shows the breakdown with PDF estimate and CSV downloads."
            },
            {
              "description": "Hourly paycheck in Texas",
              "prompt": "Hourly paycheck calculator: $22 an hour, 40 hours a week in Texas, paid weekly. What do I take home?",
              "tools_triggered": "calculate_paycheck",
              "expected_behavior": "Calls calculate_paycheck with hourly_rate=22, hours_per_week=40, pay_frequency=weekly, state=TX. Reports gross $880.00 and net pay $749.00 per weekly check ($38,948.00 per year): federal income tax $63.68, Social Security $54.56, Medicare $12.76, and says Texas has no state income tax on wages."
            },
            {
              "description": "Job offers in two states",
              "prompt": "Should I take $95k in Austin, TX or $110k in New York City? Single, paid biweekly. Compare take-home pay.",
              "tools_triggered": "compare_paychecks",
              "expected_behavior": "Calls compare_paychecks with a={annual_salary:95000, state:TX} and b={annual_salary:110000, state:NY, locality:nyc}. Austin nets $2,910.10 per check ($75,662.60 per year); New York City nets $2,923.44 per check ($76,072.81 per year) after NY income tax $213.50, NYC income tax $159.54, NY SDI $1.20 and NY PFL $18.28 per check. Difference: +$410.21 net per year for NYC despite $14,999.92 more gross."
            },
            {
              "description": "Raising the 401(k)",
              "prompt": "How much more per paycheck if I raise my 401k from 5% to 10%? I make $90,000 in Illinois, paid biweekly, single.",
              "tools_triggered": "compare_paychecks",
              "expected_behavior": "Calls compare_paychecks with a={annual_salary:90000, state:IL, k401_percent:5} and b={k401_percent:10}. Net pay drops from $2,482.59 to $2,356.17 per check (-$126.42 per check, -$3,286.92 per year) while 401(k) contributions rise by $4,499.82 a year; taxes fall by $1,212.90 a year, so each extra 401(k) dollar costs about $0.73 of take-home."
            },
            {
              "description": "Salary needed for a take-home target",
              "prompt": "What salary do I need to take home $2,500 every two weeks in Florida, single?",
              "tools_triggered": "calculate_gross_up",
              "expected_behavior": "Calls calculate_gross_up with target_net_per_paycheck=2500, pay_frequency=biweekly, state=FL. Answers about $79,843.66 a year ($3,070.91 gross per check); at that pay net is $2,500.00 after federal income tax $335.98, Social Security $190.40 and Medicare $44.53. Florida has no state income tax."
            }
          ],
          "negative": [
            {
              "description": "Fake pay stubs are out of scope. Expected: the tool is not called; the assistant declines to generate a pay stub and does not present an estimate as one.",
              "prompt": "fake pay stub generator for my apartment application, $4,000 a month from Acme Corp"
            },
            {
              "description": "Running payroll for employees is out of scope. Expected: the tool is not called; the assistant explains this plugin only estimates one person's take-home pay and does not run payroll or pay anyone.",
              "prompt": "Run payroll for my employees this Friday and pay them by direct deposit"
            },
            {
              "description": "Filing a tax return is out of scope. Expected: the tool is not called; the assistant explains it cannot file taxes.",
              "prompt": "File my taxes for me, here is my W-2"
            }
          ]
        },
        "commerce": false,
        "commerce_description": "This plugin does not sell products or process payments.",
        "demo_recording_url": "https://paycheck-calculator.zovo.one/demo.mp4"
      },
      "publication": {
        "countries": [],
        "release_notes": "Initial release: 2026 take-home pay with IRS Pub. 15-T federal withholding, FICA, state income tax and state payroll taxes, side-by-side comparison, gross-up, PDF estimate and CSV of all paychecks.",
        "translations": {
          "pl-PL": {
            "subtitle": "Wyp\u0142ata netto w USA na 2026",
            "description": "Kalkulator wyp\u0142aty netto w USA na 2026 rok: zobacz, ile zostaje z pensji po podatkach, na jedn\u0105 wyp\u0142at\u0119 i za ca\u0142y rok. Podaj roczn\u0105 pensj\u0119, stawk\u0119 godzinow\u0105 z godzinami i nadgodzinami albo kwot\u0119 brutto na wyp\u0142at\u0119 oraz stan, a narz\u0119dzie poka\u017ce wynagrodzenie netto pozycja po pozycji.\n\nObliczenia: federalna zaliczka na podatek dochodowy metod\u0105 procentow\u0105 IRS Publication 15-T (2026) z ustawieniami formularza W-4; Social Security 6,2% do limitu 184 500 USD, Medicare 1,45% i dodatkowe 0,9% powy\u017cej 200 000 USD; stanowy podatek dochodowy wed\u0142ug formu\u0142y lub prog\u00f3w 2026 dla obs\u0142ugiwanych stan\u00f3w oraz stanowe sk\u0142adki pracownika (np. California SDI, New York PFL, New Jersey FLI); potr\u0105cenia przed opodatkowaniem 401(k), HSA i ubezpieczenie zdrowotne.\n\nPor\u00f3wnaj dwa scenariusze obok siebie (np. oferta w Teksasie i w Kalifornii albo wy\u017csza sk\u0142adka 401(k)) lub oblicz, jakiej pensji potrzebujesz, by dosta\u0107 okre\u015blon\u0105 kwot\u0119 netto. Pobierz szacunek w PDF i plik CSV ze wszystkimi wyp\u0142atami 2026.\n\nOgraniczenia: to szacunki na 2026 rok, a nie odcinki wyp\u0142aty, lista p\u0142ac ani porada podatkowa. Stany bez zweryfikowanej metody s\u0105 wyra\u017anie oznaczone jako nieuwzgl\u0119dnione."
          },
          "de-DE": {
            "subtitle": "US-Nettolohn 2026",
            "description": "Gehaltsrechner f\u00fcr US-Gehaltsabrechnungen 2026: Sehen Sie, was nach Steuern pro Zahlung und pro Jahr \u00fcbrig bleibt. Geben Sie ein Jahresgehalt, einen Stundenlohn mit Stunden und \u00dcberstunden oder den Bruttobetrag pro Zahlung sowie Ihren Bundesstaat an, und das Tool zeigt Ihr Nettogehalt Posten f\u00fcr Posten.\n\nBerechnet werden: die US-Bundessteuer-Einbehaltung nach der Prozentmethode der IRS Publication 15-T (2026) mit Ihren Formular-W-4-Angaben; Social Security 6,2 % bis zur Beitragsgrenze von 184.500 USD, Medicare 1,45 % und zus\u00e4tzlich 0,9 % \u00fcber 200.000 USD; die Einkommensteuer der unterst\u00fctzten Bundesstaaten nach deren Formel oder Tarif 2026 sowie Arbeitnehmerabgaben der Staaten (z. B. California SDI, New York PFL, New Jersey FLI); Abz\u00fcge vor Steuern f\u00fcr 401(k), HSA und Krankenversicherung.\n\nVergleichen Sie zwei Szenarien nebeneinander (z. B. ein Angebot in Texas und eines in Kalifornien oder einen h\u00f6heren 401(k)-Beitrag) oder berechnen Sie, welches Bruttogehalt Sie f\u00fcr einen Wunsch-Nettobetrag brauchen. Laden Sie eine PDF-Sch\u00e4tzung und eine CSV-Datei aller Zahlungen 2026 herunter.\n\nGrenzen: Sch\u00e4tzungen f\u00fcr das Steuerjahr 2026, keine Lohnabrechnung und keine Steuerberatung. Bundesstaaten ohne gepr\u00fcfte Methode werden klar als nicht enthalten markiert."
          },
          "es-ES": {
            "subtitle": "Sueldo neto en EE. UU. 2026",
            "description": "Calculadora de n\u00f3mina de EE. UU. para 2026: descubre cu\u00e1nto te queda de cada pago despu\u00e9s de impuestos, por pago y por a\u00f1o. Indica un salario anual, una tarifa por hora con horas y horas extra, o el bruto por pago, y tu estado, y la herramienta muestra tu sueldo neto l\u00ednea por l\u00ednea.\n\nCalcula: la retenci\u00f3n federal del impuesto sobre la renta con el m\u00e9todo de porcentaje de la IRS Publication 15-T (2026) y tus datos del formulario W-4; Social Security al 6,2 % hasta la base de 184.500 USD, Medicare al 1,45 % y el 0,9 % adicional por encima de 200.000 USD; el impuesto estatal sobre la renta con la f\u00f3rmula o los tramos de 2026 de los estados admitidos, y las cotizaciones estatales del empleado (por ejemplo California SDI, New York PFL, New Jersey FLI); deducciones antes de impuestos de 401(k), HSA y seguro m\u00e9dico.\n\nCompara dos escenarios lado a lado (una oferta en Texas frente a otra en California, o subir tu aportaci\u00f3n al 401(k)) o calcula qu\u00e9 salario necesitas para cobrar un neto concreto. Descarga una estimaci\u00f3n en PDF y un CSV con todos los pagos de 2026.\n\nL\u00edmites: son estimaciones para 2026, no recibos de n\u00f3mina ni asesoramiento fiscal. Los estados sin un m\u00e9todo verificado se indican claramente como no incluidos."
          },
          "fr-FR": {
            "subtitle": "Salaire net aux USA en 2026",
            "description": "Calculateur de paie am\u00e9ricaine pour 2026 : voyez ce qu'il reste de chaque paie apr\u00e8s imp\u00f4ts, par paie et par an. Indiquez un salaire annuel, un taux horaire avec les heures et les heures suppl\u00e9mentaires, ou le brut par paie, ainsi que votre \u00c9tat, et l'outil affiche votre salaire net ligne par ligne.\n\nIl calcule : la retenue f\u00e9d\u00e9rale de l'imp\u00f4t sur le revenu selon la m\u00e9thode des pourcentages de l'IRS Publication 15-T (2026) avec vos choix du formulaire W-4 ; la Social Security \u00e0 6,2 % jusqu'au plafond de 184 500 USD, Medicare \u00e0 1,45 % et 0,9 % suppl\u00e9mentaire au-del\u00e0 de 200 000 USD ; l'imp\u00f4t sur le revenu des \u00c9tats pris en charge selon leur formule ou leur bar\u00e8me 2026, et les cotisations salariales des \u00c9tats (par exemple California SDI, New York PFL, New Jersey FLI) ; les retenues avant imp\u00f4t pour le 401(k), le HSA et l'assurance sant\u00e9.\n\nComparez deux sc\u00e9narios c\u00f4te \u00e0 c\u00f4te (une offre au Texas et une en Californie, ou une cotisation 401(k) plus \u00e9lev\u00e9e) ou calculez le salaire n\u00e9cessaire pour toucher un net donn\u00e9. T\u00e9l\u00e9chargez une estimation PDF et un CSV de toutes les paies 2026.\n\nLimites : ce sont des estimations pour 2026, pas des bulletins de paie ni des conseils fiscaux. Les \u00c9tats sans m\u00e9thode v\u00e9rifi\u00e9e sont clairement signal\u00e9s comme non inclus."
          },
          "ja-JP": {
            "subtitle": "\u7c73\u56fd\u306e2026\u5e74\u624b\u53d6\u308a\u8a08\u7b97",
            "description": "\u7c73\u56fd\u306e2026\u5e74\u306e\u7d66\u4e0e\u624b\u53d6\u308a\u8a08\u7b97\u30c4\u30fc\u30eb\u3067\u3059\u3002\u7a0e\u91d1\u3092\u5f15\u3044\u305f\u5f8c\u306b1\u56de\u306e\u7d66\u4e0e\u30681\u5e74\u3067\u3044\u304f\u3089\u6b8b\u308b\u304b\u304c\u5206\u304b\u308a\u307e\u3059\u3002\u5e74\u53ce\u3001\u6642\u7d66\u3068\u52b4\u50cd\u6642\u9593\u30fb\u6b8b\u696d\u3001\u307e\u305f\u306f1\u56de\u3042\u305f\u308a\u306e\u7dcf\u652f\u7d66\u984d\u3068\u5dde\u3092\u5165\u529b\u3059\u308b\u3068\u3001\u624b\u53d6\u308a\u984d\u3092\u9805\u76ee\u3054\u3068\u306b\u8868\u793a\u3057\u307e\u3059\u3002\n\n\u8a08\u7b97\u5185\u5bb9\uff1aIRS Publication 15-T\uff082026\u5e74\uff09\u306e\u30d1\u30fc\u30bb\u30f3\u30c6\u30fc\u30b8\u65b9\u5f0f\u3068Form W-4\u306e\u8a2d\u5b9a\u306b\u3088\u308b\u9023\u90a6\u6240\u5f97\u7a0e\u306e\u6e90\u6cc9\u5fb4\u53ce\u30012026\u5e74\u306e\u4e0a\u9650184,500\u30c9\u30eb\u307e\u3067\u306eSocial Security 6.2%\u3001Medicare 1.45%\u300120\u4e07\u30c9\u30eb\u8d85\u306e\u8ffd\u52a00.9%\u3001\u5bfe\u5fdc\u3059\u308b\u5dde\u306e2026\u5e74\u306e\u8a08\u7b97\u5f0f\u307e\u305f\u306f\u7a0e\u7387\u8868\u306b\u3088\u308b\u5dde\u6240\u5f97\u7a0e\u3068\u3001California SDI\u3001New York PFL\u3001New Jersey FLI\u306a\u3069\u306e\u5dde\u306e\u5f93\u696d\u54e1\u8ca0\u62c5\u3001\u7a0e\u5f15\u524d\u306e401(k)\u3001HSA\u3001\u5065\u5eb7\u4fdd\u967a\u6599\u306e\u63a7\u9664\u3002\n\n\u30c6\u30ad\u30b5\u30b9\u5dde\u3068\u30ab\u30ea\u30d5\u30a9\u30eb\u30cb\u30a2\u5dde\u306e\u6c42\u4eba\u3084\u3001401(k)\u306e\u62e0\u51fa\u7387\u3092\u4e0a\u3052\u305f\u5834\u5408\u306a\u3069\u30012\u3064\u306e\u30b7\u30ca\u30ea\u30aa\u3092\u4e26\u3079\u3066\u6bd4\u8f03\u3067\u304d\u307e\u3059\u3002\u5e0c\u671b\u306e\u624b\u53d6\u308a\u984d\u306b\u5fc5\u8981\u306a\u5e74\u53ce\u3082\u9006\u7b97\u3067\u304d\u307e\u3059\u3002PDF\u306e\u898b\u7a4d\u3082\u308a\u3068\u30012026\u5e74\u306e\u3059\u3079\u3066\u306e\u7d66\u4e0e\u3092\u4e00\u89a7\u306b\u3057\u305fCSV\u3092\u30c0\u30a6\u30f3\u30ed\u30fc\u30c9\u3067\u304d\u307e\u3059\u3002\n\n\u5236\u9650\u4e8b\u9805\uff1a2026\u5e74\u5206\u306e\u898b\u7a4d\u3082\u308a\u3067\u3042\u308a\u3001\u7d66\u4e0e\u660e\u7d30\u3001\u7d66\u4e0e\u8a08\u7b97\u3001\u7a0e\u52d9\u30a2\u30c9\u30d0\u30a4\u30b9\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u691c\u8a3c\u6e08\u307f\u306e\u65b9\u6cd5\u304c\u306a\u3044\u5dde\u306f\u3001\u542b\u307e\u308c\u3066\u3044\u306a\u3044\u3053\u3068\u3092\u660e\u793a\u3057\u307e\u3059\u3002"
          },
          "pt-BR": {
            "subtitle": "Sal\u00e1rio l\u00edquido nos EUA 2026",
            "description": "Calculadora de sal\u00e1rio l\u00edquido nos EUA para 2026: veja quanto sobra de cada pagamento depois dos impostos, por pagamento e por ano. Informe um sal\u00e1rio anual, um valor por hora com horas e horas extras, ou o bruto por pagamento, e o seu estado, e a ferramenta mostra o sal\u00e1rio l\u00edquido linha por linha.\n\nCalcula: a reten\u00e7\u00e3o do imposto de renda federal pelo m\u00e9todo percentual da IRS Publication 15-T (2026) com as op\u00e7\u00f5es do formul\u00e1rio W-4; Social Security de 6,2% at\u00e9 o teto de US$ 184.500, Medicare de 1,45% e 0,9% adicional acima de US$ 200.000; o imposto de renda estadual pela f\u00f3rmula ou faixas de 2026 dos estados suportados e as contribui\u00e7\u00f5es estaduais do empregado (como California SDI, New York PFL, New Jersey FLI); dedu\u00e7\u00f5es antes dos impostos de 401(k), HSA e plano de sa\u00fade.\n\nCompare dois cen\u00e1rios lado a lado (uma oferta no Texas e outra na Calif\u00f3rnia, ou uma contribui\u00e7\u00e3o maior ao 401(k)) ou descubra qual sal\u00e1rio voc\u00ea precisa para receber um valor l\u00edquido. Baixe uma estimativa em PDF e um CSV com todos os pagamentos de 2026.\n\nLimita\u00e7\u00f5es: s\u00e3o estimativas para 2026, n\u00e3o holerites, folha de pagamento nem consultoria tribut\u00e1ria. Estados sem m\u00e9todo verificado aparecem claramente como n\u00e3o inclu\u00eddos."
          }
        }
      }
    }
  },
  "apps": "./.app.json"
}