# US Take-Home Paycheck Estimator

> US Take-Home Paycheck Estimator is a paid API for AI agents from api.agentstools.dev, paid per call via x402, $0.008/call, status unknown (last checked 2026-09-15).

Estimates US net take-home pay per period by computing federal income tax, payroll tax, and optional state tax from gross income and filing details.

## Facts

- Endpoint: GET https://api.agentstools.dev/tax/paycheck
- Price: $0.008/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/us-take-home-paycheck-estimator-08ab9e61
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_zACk-d9SKfTppchkMnaPP

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability us-take-home-paycheck-estimator-08ab9e61
```

Example prompt: What will my biweekly take-home pay be if I earn $85,000 a year, file as single, live in California, and contribute $5,000 annually to my 401k for tax year 2026?

## When to prefer this

Use this endpoint when you need a fast, pure-computation estimate of US take-home pay broken down by federal income tax, payroll tax, and optional state tax — especially when you have gross income, filing status, and optionally pretax deductions like 401k contributions. Prefer this over general tax APIs when you specifically need per-period net pay figures (weekly, biweekly, monthly, etc.) rather than annual tax filing calculations.

## Known failure modes

- Missing required gross_income parameter returns a 400 validation error
- Invalid state code (not a valid US two-letter abbreviation) may return an error or fall back to federal-only calculation
- Negative gross_income value rejected by schema validation
- Invalid filing_status enum value returns a 400 error
- Invalid pay_period enum value returns a 400 error
- Payment not provided or insufficient USDC returns a 402 Payment Required response

## How this service works

US take-home paycheck estimate: federal income tax plus payroll tax and an optional state estimate, giving net pay per period and disposable income. Pure computation over your inputs, not tax advice.

## Output

Returns estimated net pay per pay period, total federal income tax, payroll tax (Social Security and Medicare), optional state tax estimate, and disposable income — all computed from the provided inputs, with no persistent state or tax advice.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET",
      "HEAD",
      "DELETE"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [
      "gross_income"
     ],
     "properties": {
      "state": {
       "type": "string",
       "description": "Optional two-letter state code"
      },
      "tax_year": {
       "type": "integer",
       "description": "Tax year, default 2026"
      },
      "pay_period": {
       "enum": [
        "annual",
        "monthly",
        "semimonthly",
        "biweekly",
        "weekly"
       ],
       "type": "string",
       "description": "Pay period for the per-period figures, default annual"
      },
      "gross_income": {
       "type": "number",
       "description": "Annual gross income (>= 0)"
      },
      "filing_status": {
       "enum": [
        "single",
        "married_jointly",
        "married_separately",
        "head_of_household"
       ],
       "type": "string",
       "description": "Filing status, default single"
      },
      "pretax_deductions": {
       "type": "number",
       "description": "Annual pretax deductions such as 401k, default 0"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/us-take-home-paycheck-estimator-08ab9e61/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.agentstools.dev](https://www.zero.xyz/host/api.agentstools.dev/llms.txt)