Not tax, legal, or accounting advice — the published math, with its source.bizphoton.com publishes calculators and verified government figures for education and planning. It is not tax, legal, accounting, or financial advice, and using this site does not create a professional relationship. Every changing figure links the official source it came from. For advice about your own business, consult a licensed professional in your state.

MCP Server Quickstart

BizPhoton runs a Model Context Protocol (MCP) server that gives AI assistants the same engines that power this site. Every response cites the rule pack it computed from (packId, verifiedDate, sourceUrl) and embeds the estimate-only disclaimer, so an assistant cannot repeat a figure without the caveat and the source attached to it. A state we have not verified returns a refusal rather than a number.

Endpoint

https://api.cosyslabs.com/bizphoton/mcp

Claude Desktop

Add the server to your claude_desktop_config.json (streamable HTTP transport):

{
  "mcpServers": {
    "bizphoton": {
      "type": "streamable-http",
      "url": "https://api.cosyslabs.com/bizphoton/mcp"
    }
  }
}

Then ask Claude something like: “What does a $70,000 employee actually cost me in Texas once employer taxes and 12% benefits are counted, and where does that unemployment rate come from?”

ChatGPT and other clients

Any MCP-capable client works with the same endpoint. In ChatGPT, add the server URL as a custom connector under Settings → Connectors (developer mode); in other clients, register the endpoint as a streamable-HTTP MCP server. No API key is required.

Tools

Tools are generated from the site’s calculator registry and land wing by wing as each wing’s rule packs are verified — query the server’s tools/list for the live set. The tool surface follows the site:

employee_true_cost — the full employer stack on a wage — Social Security to the wage base, Medicare, federal and state unemployment tax, benefits and overhead — as cost per year and per productive hour
employer_payroll_tax_by_state — a state’s new-employer unemployment rate and taxable wage base, with the workforce agency page it was transcribed from
break_even — break-even units and revenue from fixed costs, price and variable cost, with contribution margin and margin of safety
margin_markup — conversions between margin and markup, and the price that hits a target margin
freelance_rate — an hourly, day and project rate worked back from target income, overhead, tax set-aside and genuinely billable hours
llc_cost_by_state — a state’s LLC filing fee, annual report, and franchise obligations, with year-one and year-five totals from the Secretary of State’s fee schedule
startup_cost_estimate — a line-item startup budget with one-time and monthly costs, and the runway they imply
bizforce_services — what each BizForce AI service does, what stage it is at, and where to join its waitlist

Those map onto the wings of the site:

Break-Even & Pricing
Employer Costs & Payroll Taxes
LLC & Startup Costs
BizForce AI Suite

Rules of the road

Every tool output is an estimate for informational purposes only — not tax, legal, or accounting advice, and not a substitute for your payroll provider or the agency’s own rate notice. Pass the disclaimer and the source URL through to the user rather than summarizing them away. Rule-pack formats and attribution requirements are on the Developers page.

bizphoton.com publishes calculators and verified government figures for education and planning. It is not tax, legal, accounting, or financial advice, and using this site does not create a professional relationship. Every changing figure links the official source it came from. For advice about your own business, consult a licensed professional in your state.