# US Take-Home Paycheck Estimator

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

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

## Facts

- Endpoint: GET https://payai.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-0c8313f1
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_yZ4zqRPL3IO0lXgHlvLbn

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-0c8313f1
```

Example prompt: What will my take-home pay be each biweekly paycheck if I earn $95,000 a year, file as single, live in Texas, and contribute $6,000 a year to my 401k?

## When to prefer this

Choose this endpoint when you need a fast, pure-computation paycheck estimate for US employees without calling a full tax filing service. It is ideal for salary negotiation tools, financial planning agents, and compensation comparison workflows where you need net pay broken down by period. Prefer it over general tax APIs when you specifically need per-period net pay figures including FICA payroll taxes and optional state estimates, and when you do not need full tax return preparation.

## Known failure modes

- Missing required gross_income parameter returns a 400 validation error
- Invalid state code returns an error or falls back to federal-only calculation
- Unsupported filing_status enum value returns a validation error
- Negative gross_income value rejected with a validation error
- Invalid pay_period enum value causes a 400 bad request

## 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 for the specified pay period after federal income tax and payroll (FICA) tax deductions, with an optional state tax estimate when a state code is provided. Also includes annual disposable income and a breakdown of each tax component applied to the gross income.

## 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-0c8313f1/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from payai.agentstools.dev](https://www.zero.xyz/host/payai.agentstools.dev/llms.txt)