Income Checker is answering right now. Last checked 12 min ago. It exposes 13 tools.
Income and rent calculators, pay stub math checks, and bank-based income analysis tools.
Uptime history
8 days of history · worst day 0%
8 days agonow
12.1%
Uptime 24h
11 of 91 checks
13
Tools
read from the server
337 ms
Response time
average over 24h
open, no key
Access
streamable-http
Income Checker does not always answer
Over the last week it answered 6.2% of our checks. We check every 15 minutes, so you hear about the next outage within the hour — not from your users.
Connect this server
Endpoint below is the one we actually reach during checks — not the one copied from a README. Last verified 12 min ago.
run in your terminal
claude mcp add incomechecker --transport http https://incomechecker.com/mcpSettings → Connectors → Add custom connector, then paste this address
https://incomechecker.com/mcp~/.codex/config.toml
[mcp_servers.incomechecker]
url = "https://incomechecker.com/mcp".cursor/mcp.json
{
"mcpServers": {
"incomechecker": {
"url": "https://incomechecker.com/mcp"
}
}
}.vscode/mcp.json
{
"servers": {
"incomechecker": {
"type": "http",
"url": "https://incomechecker.com/mcp"
}
}
}Available tools 13
Read directly from the server with tools/list, grouped by what they act on.
If a tool disappears, we record the date.
rent
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.
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.
account
get_account
Shows the signed-in user’s email and how many verification credits they have left.
buy
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.
debt
debt_to_income
Front-end (housing) and back-end debt-to-income ratios with common lender bands.
how
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.
monthly
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.
pay
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.
prorated
prorated_rent
Rent owed for a partial first month, from the move-in date through the end of that month.
report
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.
send
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.
start
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.
verifications
list_verifications
Lists the signed-in user’s income verification requests, newest first, with status and report links.
Endpoints
| URL | Transport | State | Latency | Checked |
|---|---|---|---|---|
| https://incomechecker.com/mcp | streamable-http | answering | 368 ms | 12 min ago |
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Income Checker — questions
Answers built from our own checks of this server.
What can Income Checker do?
It exposes 13 tools, read directly from the server on our last check. Among them: buy_credits, check_pay_stub_math, debt_to_income, get_account, get_report, how_to_verify_income and 7 more. The full list with descriptions is on this page — we take it from the server itself via tools/list, not from a README.
How MCP servers expose tools in the first place →
Is Income Checker working right now?
We send a real MCP handshake every 15 minutes. Over the last 24 hours 11 of 91 checks got a reply (12.1%), average response time 337 ms. The bar chart above shows every period we have measured.
How do I connect Income Checker?
Copy the ready config from this page. We generate it for Claude Code, Claude Desktop, Codex, Cursor and VS Code, each in the form that client actually reads. It is a remote server, so there is nothing to install — the client connects to the address.
Does Income Checker need an API key?
No. Income Checker completed a full MCP handshake with us as an anonymous client and listed its tools without asking for anything. All 13 of them are readable on this page. This is what we observed, not what the docs claim.
How fast is Income Checker?
It answers our handshake in 337 ms on average, which is faster than 47% of all working MCP servers we measure. The comparison comes from our own checks across the whole registry, every 15 minutes.