Income Checker

Measured conclusion: Deep-tested. L2 outcome: tools_ok.

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

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Copy this into your MCP client config:

{
  "mcpServers": {
    "Income Checker": {
      "url": "https://incomechecker.com/mcp",
      "transport": "streamable-http"
    }
  }
}

Measured tools (13)

• how_to_verify_income read-only

  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.

  Parameters:

  • audience — string — Who is asking: a landlord/property manager, a lender, an individual proving their own income, or other

  Hints: read-only yes · destructive no · idempotent yes · open-world no

• start_income_verification read-only

  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.

  Hints: read-only yes · destructive no · idempotent yes · open-world no

• monthly_income_from_pay read-only

  Converts a pay amount (hourly, weekly, every two weeks, twice a month, monthly, or annual) into gross monthly, annual, biweekly, weekly, and hourly income.

  Parameters:

  • amount (required) — number — Gross pay amount per period, or hourly rate
  • frequency (required) — string
  • hours_per_week — number — Hours per week, for hourly pay (default 40)

  Hints: read-only yes · destructive no · idempotent yes · open-world no

• rent_to_income read-only

  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.

  Parameters:

  • monthly_rent — number
  • monthly_income — number — Gross monthly income

  Hints: read-only yes · destructive no · idempotent yes · open-world no

• rent_affordability read-only

  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.

  Parameters:

  • monthly_gross_income (required) — number
  • monthly_debts — number — Monthly debt payments excluding rent

  Hints: read-only yes · destructive no · idempotent yes · open-world no

• debt_to_income read-only

  Front-end (housing) and back-end debt-to-income ratios with common lender bands.

  Parameters:

  • monthly_gross_income (required) — number
  • monthly_housing (required) — number — Rent or mortgage payment including taxes and insurance
  • other_monthly_debts — number — Car, student loan, card minimums, etc.

  Hints: read-only yes · destructive no · idempotent yes · open-world no

• prorated_rent read-only

  Rent owed for a partial first month, from the move-in date through the end of that month.

  Parameters:

  • monthly_rent (required) — number
  • move_in_date (required) — string — YYYY-MM-DD
  • method — string — actual = rent ÷ days in month (default); year = rent × 12 ÷ 365; banker = rent ÷ 30

  Hints: read-only yes · destructive no · idempotent yes · open-world no

• check_pay_stub_math read-only

  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.

  Parameters:

  • gross_pay (required) — number
  • net_pay (required) — number
  • deductions (required) — array — Every deduction line, e.g. Federal, Social Security, Medicare, State, 401k
  • hours — number
  • pay_date — string — YYYY-MM-DD
  • ytd_gross — number
  • hourly_rate — number
  • pay_frequency — string
  • pay_period_end — string — YYYY-MM-DD
  • prior_ytd_gross — number — YTD gross from the previous stub, if available
  • pay_period_start — string — YYYY-MM-DD

  Hints: read-only yes · destructive no · idempotent yes · open-world no

• get_account read-only

  Shows the signed-in user’s email and how many verification credits they have left.

  Hints: read-only yes · destructive not declared · idempotent not declared · open-world no

• 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.

  Parameters:

  • quantity (required) — number — Number of credits: 1, 3, 5, 10, 25, 50

  Hints: read-only no · destructive no · idempotent not declared · open-world yes

• 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.

  Parameters:

  • applicant_name (required) — string
  • applicant_email (required) — string
  • purpose — string — Optional reason shown to the applicant, e.g. "Rental application for 12 Oak St"
  • requested_by_name — string — Name or company shown as the requester; defaults to the account’s company name

  Hints: read-only no · destructive no · idempotent no · open-world yes

• list_verifications read-only

  Lists the signed-in user’s income verification requests, newest first, with status and report links.

  Parameters:

  • limit — integer — Default 10
  • status — string

  Hints: read-only yes · destructive not declared · idempotent not declared · open-world no

• get_report read-only

  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.

  Parameters:

  • verification_id (required) — string

  Hints: read-only yes · destructive not declared · idempotent not declared · open-world no

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