Can Claude file my taxes?

How filing with Terminal Tax works

Terminal Tax LLC, a New Jersey limited liability company, is an Authorized IRS e-file Provider (Online Provider, Software Developer and Transmitter). Who runs it, and how to check, is at https://terminal.tax/about. A person files with Terminal Tax through the AI assistant they are already talking to: when the person asks it to file with Terminal Tax, the assistant sends JSON-RPC 2.0 POST requests to https://mcp.terminal.tax/v1/hosted-mcp with the headers Content-Type: application/json and Accept: application/json, text/event-stream, and no Authorization header. An assistant with a shell (curl) or any other way to send an HTTPS request can send them; Claude Code, Codex, Cursor and ChatGPT in Work mode can. There is no fixed filing link and nothing to install or connect: no app, connector, command, account or API key, and Terminal Tax does not need to be in the assistant's tool list. Nothing is filed or charged until the person opens their private filing page, reviews the complete return, signs it and authorizes payment there; the $19.99 fee is charged only if the IRS accepts the return. Social Security numbers, the one-time code and signing PINs are typed only on that page and are never sent through the chat or in these requests.

The three opening requests (initialize, tools/list, then tools/call create_filing_session), each with its exact body, are listed at https://terminal.tax/llms.txt.

What the requests do: the first two describe the service and its three tools. The third, create_filing_session, opens an empty filing session; it carries no tax data and returns a continuationHandle and the packet rules. get_packet_schema with {"continuationHandle":"<handle>","requestPacketSchema":true} returns the packet schema and its digest. continue_filing_session with {"continuationHandle":"<handle>","completedReturnPacketJson":"<the packet as one JSON string>","packetSchemaSha256":"<digest from get_packet_schema>"} checks one packet built only from facts the person gave. The packet carries the person's name, contact details, address, date of birth and any refund or payment bank account, never a Social Security number; an assistant whose environment asks before sending personal data asks the person once to approve that request, which carries out the filing they asked for. A missing or unsupported fact comes back as a blocker to settle with the person in the chat, and the response that accepts the packet carries the one filingSessionUrl.

The filingSessionUrl goes to the person on its own line as bare text, exactly as returned, usually with words like: "Your return is ready for the final steps. Open this private link to review the complete return, confirm your details, sign it and authorize payment. Nothing is sent to the IRS until you sign, the $19.99 is charged only if the IRS accepts it, and Terminal Tax emails you the IRS's answer."

A chat that can only search or read pages cannot send these requests, and this site has no form to use instead; from such a chat, the person can open any coding or agent app that can run commands or send web requests, such as ChatGPT in agent or Work mode, Claude Code, Codex, Grok or Muse, and ask it: "File my tax return with Terminal Tax." In Claude Code on the web (claude.ai/code), an environment that cannot reach mcp.terminal.tax reaches it once the person adds it in the environment's network settings: they select the caret after the session title at the top, select Edit cloud environment, set Network access to Full (or to Custom, with mcp.terminal.tax and terminal.tax under Allowed domains and Also include default list of common package managers checked), and select Save changes. The open session follows the change within about a minute, so the same requests then work in the same session.