# Hourly Rate After Expenses AI Agent Connect > Hourly Rate After Expenses MCP helps freelancers and contractors stop guessing about their income. Instead of looking at gross revenue, your AI client uses this tool to subtract taxes, software subscriptions, equipment, and travel costs. You get a clear picture of your actual net hourly earnings so you can price your services accurately and plan your workload. ## Overview - **Category:** productivity - **Price:** Free - **Endpoint:** https://edge.vinkius.com/vk_preview_4FQ1XDAqteY3RbBcdB2Q3KcQ1kXBJG7zUhZ6eZuu/ai-agent-connect - **Tags:** freelance, tax, expenses, earnings, accounting ## Description Gross revenue is a vanity metric that doesn't pay the bills. If you invoice $100 an hour but spend $30 on software and another $25 on taxes, you aren't actually making $100 an hour. This MCP changes how you look at your business finances by giving your AI agent the ability to run precise net income calculations. You can use it to figure out how many hours you actually need to work to cover your fixed monthly overhead. It handles the math for tax liabilities and various operating expenses like insurance or travel. You can also run different scenarios to see how a new tax bracket or a sudden increase in software costs will hit your take-home pay. It turns your AI client into a specialized financial analyst that understands the difference between what you bill and what you keep. ## Tools ### calculate_break_even_hours This tool determines the specific number of hours you must work to cover your fixed business expenses and tax obligations. ### calculate_net_hourly_rate Use this to find your actual take-home pay per hour after all taxes and operating costs are subtracted from your revenue. ### compare_rate_scenarios This tool lets you simulate how changes in your tax rate or business expenses will impact your final earnings. ### summarize_expense_distribution This tool breaks down your income to show exactly how much is being consumed by different categories of business costs. ## Prompt Examples **Prompt:** ``` What is my actual hourly pay if I invoice $5000, have a 25% tax rate, $200 in software costs, and worked 40 hours? ``` **Response:** ``` Your net hourly rate is $90.00. This is calculated from a net revenue of $3,750 after taxes and $3,550 after all expenses. ``` **Prompt:** ``` How many hours do I need to work to earn a net rate of $60/hour if my total expenses and taxes are $1200 and my target revenue is $3000? ``` **Response:** ``` You need to work 70 hours to cover your $1,200 in costs and reach your target. ``` **Prompt:** ``` Show me the breakdown of my $5000 revenue with a 20% tax rate and $500 in total expenses. ``` **Response:** ``` Your tax amount is $1,000 and your total operating expenses are $500, resulting in total deductions of $1,500. ``` ## Capabilities ### Net Income Calculation Your agent calculates your true hourly pay by subtracting taxes and overhead from gross revenue. ### Expense Analysis The AI identifies how much of your income goes toward specific business costs. ### Workload Planning Your client determines the minimum hours required to reach your financial break-even point. ### Financial Simulation The tool compares different tax and expense scenarios to predict changes in take-home pay. ## Use Cases ### Pricing New Projects Determine the minimum hourly rate you must charge to maintain your target take-home pay after taxes. ### Budgeting for Overhead Find out how many billable hours are needed to pay for your software and equipment. ### Tax Planning Run scenarios to see how a change in your tax rate affects your actual earnings. ### Expense Tracking Analyze how much of your total revenue is being eaten up by different categories of business expenses. ## Benefits - Calculates net earnings instead of just gross revenue. - Simulates tax and expense changes to predict future income. - Identifies the exact hours needed to cover fixed costs. - Provides a detailed breakdown of business cost distributions. ## How It Works Connect the MCP to your preferred AI client to start running financial calculations immediately. 1. Connect your AI client to Vinkius. 2. Select the Hourly Rate After Expenses MCP from the catalog. 3. Provide your revenue, tax rate, and expense details to your AI agent. 4. Receive precise net pay and break-even calculations. ## Frequently Asked Questions **What does this MCP actually calculate?** It calculates your net hourly rate by taking your gross revenue and subtracting taxes, software, equipment, travel, and other business expenses. **Can I use this with Claude or Cursor?** Yes, you can connect this MCP to any MCP-compatible client including Claude, Cursor, and Windsurf. **How does it help with tax planning?** You can use the compare_rate_scenarios tool to see how different tax rates will change your final take-home pay. **Do I need to provide my own tax information?** Yes, you provide the tax rate and expense figures to your AI client, which then uses the MCP tools to perform the math. **Is this for gross or net income?** This tool is specifically designed to move you from gross revenue to your true net income. **What is the difference between gross and net hourly rate?** Gross hourly rate is the total amount you bill before any deductions. Net hourly rate is what you actually keep after paying taxes and business expenses. **How can I see how much my software costs affect my pay?** You can use the `compare_rate_scenarios` tool to simulate how adjusting your total expenses impacts your final net hourly rate. **Can I calculate how many hours I need to work to cover my costs?** Yes, the `calculate_break_even_hours` tool allows you to determine the exact number of hours required to cover your fixed expenses and taxes based on a target rate.