# Palgakalkulaator AI - Estonian payroll for your AI assistant | Palgakalkulaator

Your salary calculator, your AI assistant.

Ask for net pay, employer cost, or a tax breakdown. The assistant calculates with Estonian rules, without filling a web form. Connect once, then ask what you need to know.

## Who it’s for and why

People already ask AI ([ChatGPT](https://chatgpt.com/), [Claude](https://claude.ai/)) about Estonian salaries. Without our engine, models guess - outdated tax rates, wrong tax-free income, incomplete employer cost.

**Palgakalkulaator AI** gives AI tools access to the same calculator that powers [palgakalkulaator.ee](https://www.palgakalkulaator.ee/en). Results match the website, under tax years **2024–2026**:

-   gross ↔ net ↔ employer cost
-   income tax
-   social tax
-   unemployment insurance
-   funded pension (II pillar)

We open the salary calculator through an open protocol so it works where you already use AI.

## What is MCP?

**MCP** (_Model Context Protocol_) is an open protocol supported by a growing set of AI tools. It lets an assistant call trusted external tools - for example Palgakalkulaator’s Estonian payroll engine.

Setup takes only a few minutes. After that you can ask payroll questions inside your AI tool.

## Get started. Setup is quick and simple.

### Configure your AI tool

In your AI tool’s settings, add a new MCP server and enter the Palgakalkulaator URL.

```
https://www.palgakalkulaator.ee/mcp
```

-   **Transport:** Streamable HTTP
-   **Authentication:** none - public, read-only
-   **Discovery card:** [/.well-known/mcp/server-card.json](https://www.palgakalkulaator.ee/.well-known/mcp/server-card.json)

#### Claude

1.  Open [claude.ai](https://claude.ai/), go to **Customize → Connectors**, then **Add → Add custom connector**.
2.  Name it **Palgakalkulaator AI** and paste `https://www.palgakalkulaator.ee/mcp`.
3.  Click **Add**. No OAuth or login required.

Set it up on claude.ai - it then works in the desktop and mobile apps too.

#### Claude Code

```
claude mcp add palgakalkulaator \
  --transport http \
  https://www.palgakalkulaator.ee/mcp
```

#### Codex

```
codex mcp add palgakalkulaator \
  --url https://www.palgakalkulaator.ee/mcp
```

#### ChatGPT

Enable **Developer Mode** (Connectors / Advanced; Plus or higher), add a custom MCP connector with the same URL, and ask payroll questions in chat.

Any AI tool that supports the MCP standard works. The list of providers keeps growing.

### Ask what you want

Go back to your AI tool and ask about salary whenever you need. The assistant picks the right tool and handles the rest.

> What is the net salary for €2000 gross in Estonia in 2026?

> How much does €2500 net cost the employer?

> Calculate 2025 gross €3000 without the social-tax minimum.

## One tool. Answers to your payroll questions.

The AI assistant chooses the tool automatically based on what you ask.

### `calculate_estonian_payroll`

Calculates Estonian payroll: gross, net, and employer cost with income tax, social tax, unemployment insurance, funded pension, and tax-free income.

| Argument | Type | Required | Description |
| --- | --- | --- | --- |
| `amount` | string | yes | Amount in EUR (e.g. `"2000"`) |
| `amount_type` | string | no | `gross` | `net` | `total` (alias `employer_cost`); default `gross` |
| `payment_date` | string | no | `YYYY-MM-DD` - tax year rules (2024–2026) |
| `basic_exemption_amount` | string | no | Monthly tax-free income claim (2026 default €700) |
| `employee_unemployment_insurance` | boolean | no | Employee unemployment 1.6% (default `true`) |
| `employer_unemployment_insurance` | boolean | no | Employer unemployment 0.8% (default `true`) |
| `funded_pension_rate` | string | no | II pillar: `"0"` | `"2"` | `"4"` | `"6"` |
| `social_tax_minimum` | boolean | no | Social-tax monthly floor (default `true`) |

Send amounts as **strings** to avoid floating-point issues.

## Secure and trustworthy

Built on the same foundation as our public calculator - no accounts and no personal data required.

### Read-only access

Your AI assistant can calculate, but cannot change anything or submit anything on your behalf.

### No personal data required

A calculation only needs an amount and options (for example tax-free income or II pillar rate). Personal ID codes, names, and other personal data are not requested, used, or stored. We do not create sessions or user accounts from MCP requests.

When data reaches your AI tool, that tool’s terms and privacy policy apply. Only connect services you trust.

Results are informational; for binding payroll use a professional (for example [Arveldaja OÜ](https://www.arveldaja.com/teenused/)) or [Palgakalkulaator](https://www.palgakalkulaator.ee/en/palgaarvestus/lahendus) payroll.