Income Checker
Income and rent calculators, pay stub math checks, and bank-based income analysis tools.
| Endpoint | https://incomechecker.com/mcp (streamable-http) |
|---|---|
| Registry version | 1.0.0 |
| Now | 13 tools · grade A (93) · pin ts_8be64897f77829ff50154d4840cf62a5 · protocol 2025-06-18 |
| First / last listed | 2026-10-30 01:49 UTC / 2026-10-30 01:49 UTC |
| Grade over time | 2026-10-30: A (93), 13 tools |
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Tools: how_to_verify_income start_income_verification monthly_income_from_pay rent_to_income rent_affordability debt_to_income prorated_rent check_pay_stub_math get_account buy_credits send_verification_request list_verifications get_report
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. params: audience |
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. params: none |
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. params: amount*, frequency*, hours_per_week |
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. params: monthly_rent, monthly_income |
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. params: monthly_gross_income*, monthly_debts |
debt_to_income | Front-end (housing) and back-end debt-to-income ratios with common lender bands. params: monthly_gross_income*, monthly_housing*, other_monthly_debts |
prorated_rent | Rent owed for a partial first month, from the move-in date through the end of that month. params: monthly_rent*, move_in_date*, method |
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. params: gross_pay*, net_pay*, deductions*, hours, hourly_rate, pay_period_start, pay_period_end, pay_date, pay_frequency, ytd_gross, prior_ytd_gross |
get_account | Shows the signed-in user’s email and how many verification credits they have left. params: none |
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. params: quantity* |
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. params: applicant_name*, applicant_email*, purpose, requested_by_name |
list_verifications | Lists the signed-in user’s income verification requests, newest first, with status and report links. params: status, limit |
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. params: verification_id* |
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