How do I access the finserv-mcp.co.za calculators for free?

Go to finserv-mcp.co.za, open any module, and use the calculators directly. No account, no credit card, no signup. The free trial allows 3 calculations per device — enough to verify the output quality on a real client matter. After 3 calculations, a prompt appears to subscribe or purchase a pay-as-you-go bundle.

How much does the finserv-mcp.co.za API cost?

Starter plan: R249/month for 150 calculations and a REST API key (1 user). Practitioner plan: R799/month for 400 shared calculations with up to 5 users. Developer plan: R1,999/month for 2,000 calculations, MCP SSE endpoint for AI agents, and a 99.5% SLA. Enterprise: from R5,000/month with custom volume and monthly invoicing. Pay-as-you-go bundles start at R100 for 50 credits.

How do I connect the MCP server to Claude Desktop?

The MCP SSE endpoint is available on the Developer plan (R1,999/month) and Enterprise. Once you have your API key, add the server to your claude_desktop_config.json using the configuration shown in the MCP section of this page. The server provides all 33 tools as callable functions within any Claude Desktop conversation.

What is the MCP SSE endpoint used for?

The MCP SSE endpoint connects Claude Desktop and other AI agents directly to all 33 statutory calculation tools. The AI calls the tool mid-conversation — calculate_estate_duty, get_sarb_rates, check_sbc_qualification — and returns the statutory result without the user copying and pasting. Available on Developer (R1,999/month) and Enterprise plans.

ACCESS THE PLATFORM

Three ways to connect.
One platform.

Whether you are a practitioner checking a client figure, a developer building a South African financial tool, or an AI platform that needs live statutory calculations — finserv-mcp.co.za has a connection method for your use case.

3 free

Practitioners

Use the interactive calculators in your browser. Free trial: 3 calculations, no account. Estate duty, income tax, retirement, VAT, CIPC — all tools included.

Open calculators →

From R249/month

Developers

REST API with your API key. POST JSON, get statutory calculations with Act citations. Full documentation below.

See API docs →

R1,999/month

AI Platforms

MCP SSE endpoint for Claude Desktop and AI agents. Live statutory calculations mid-conversation. Developer and Enterprise plans.

See MCP config →

PRICING

Start with 3 free calculations. No account needed.

The free trial is real — run an actual calculation on an actual client matter. See the statutory result, the section references, and the disclaimer tier. Then choose the plan that fits how you work.

Free Trial — 3 calculations, no account

Not a monthly allowance. Not a demo environment. The real platform, with real statutory outputs. 3 calculations per device. When they are used, you choose: subscribe, or purchase a pay-as-you-go bundle. No automatic charges.

Open calculators — no account needed →

Starter

R249/month

150 calculations/month

1 user · R1.66/calc

Solo practitioner

✓
All 33 tools
✓
Personal REST API key
✓
Email support (2 business days)
—
Multi-user access
—
MCP SSE endpoint
—
Credit rollover

Get Starter

Bundle	Credits	Cost	Per calc
Entry	50	R100	R2.00
Standard	200	R360	R1.80
Bulk	500	R850	R1.70

Full plan comparison

Feature	Trial	Starter	Practitioner	Developer	Enterprise	PAYG
Monthly cost	R0	R249	R799	R1,999	Custom	R0
Calculations	3 (once)	150/month	400/month	2,000/month	Custom	As bought
Users	1	1	Up to 5	1	Custom	1
Account required	No	Yes	Yes	Yes	Yes	Yes
API key	No	Yes	Yes	Yes	Yes	Yes
MCP SSE endpoint	No	No	No	Yes	Optional	No
SLA	None	None	None	99.5%	Custom	None
Credit rollover	No	No	50/month	—	—	12-month expiry
Support	None	Email 2d	Priority 1d	Priority 4hr	Named contact	Email
Invoicing	—	Paystack	Paystack	Paystack	Monthly invoice	Paystack
Effective rate	—	R1.66/calc	R2.00/calc	R1.00/calc	Negotiated	R1.70–R2.00

REST API

One endpoint pattern. 33 tools. Copy and run.

Every tool follows the same pattern: POST to the endpoint, pass your inputs as JSON, authenticate with your API key. Available on all paid plans and pay-as-you-go bundles.

ENDPOINT PATTERN

# Base URL

https://finserv-mcp.co.za/api/mcp/

# Full endpoint format

POST /api/mcp/{tool-slug}

Required headers:

Content-Typeapplication/json

X-API-Keyyour_api_key_here

ERROR CODES

400

Bad Request

Missing required input or invalid parameter. Check the errors array in the response body.

401

Unauthorised

Missing or invalid X-API-Key. Verify your key is correct and the plan is active.

402

Payment Required

Monthly calculation ceiling reached. Top up with a PAYG bundle or upgrade your plan.

429

Rate Limited

Too many requests in a short window. Add a brief delay between calls.

ALL 33 TOOL SLUGS

/api/mcp/estate-duty

/api/mcp/executor-fees

/api/mcp/intestate-succession

/api/mcp/accrual-claim

/api/mcp/estate-deadlines

/api/mcp/small-estate-info

/api/mcp/estate-liquidity

/api/mcp/income-tax

/api/mcp/paye

/api/mcp/capital-gains-tax

/api/mcp/provisional-tax

/api/mcp/transfer-duty

/api/mcp/retirement-withdrawal-tax

/api/mcp/retirement-lump-sum-tax

/api/mcp/tax-tables

/api/mcp/ra-deductibility

/api/mcp/two-pot-info

/api/mcp/two-pot-withdrawal-tax

/api/mcp/living-annuity-drawdown

/api/mcp/preservation-fund-rules

/api/mcp/retirement-projection

/api/mcp/retirement-rules-summary

/api/mcp/sbc-qualification

/api/mcp/sbc-tax

/api/mcp/vat-invoice-checker

/api/mcp/vat-position

/api/mcp/cipc-compliance

/api/mcp/corporate-tax

/api/mcp/exchange-rates

/api/mcp/sarb-rates

/api/mcp/inflation-data

/api/mcp/vat-info

/api/mcp/public-holidays

Working examples — one per module

Estate Administration

calculate_estate_duty

Estate duty on a R5,500,000 gross estate with a R3,000,000 spousal bequest

REQUEST

curl -X POST https://finserv-mcp.co.za/api/mcp/estate-duty \
  -H "Content-Type: application/json" \
  -H "X-API-Key: YOUR_API_KEY" \
  -d '{
    "gross_estate_value": 5500000,
    "spousal_bequest": 3000000,
    "outstanding_liabilities": 120000,
    "funeral_costs": 35000
  }'

RESPONSE

{
  "estate_duty_payable": 0.00,
  "gross_estate_value": 5500000.00,
  "s4q_spousal_deduction": 3000000.00,
  "net_value_after_deductions": 2345000.00,
  "abatement_applied": 2345000.00,
  "dutiable_amount": 0.00,
  "unused_abatement": 1155000.00,
  "unused_abatement_portable": true,
  "figures_as_at": "Budget 2026/27",
  "disclaimer_tier": "HIGH"
}

💡

R0 estate duty. The s4(q) spousal rollover plus R3.5M abatement absorbs the full net estate. R1,155,000 unused abatement portable to surviving spouse.

Personal Tax

calculate_income_tax

Income tax for a 45-year-old with R820,000 taxable income, 2 medical dependants

REQUEST

curl -X POST https://finserv-mcp.co.za/api/mcp/income-tax \
  -H "Content-Type: application/json" \
  -H "X-API-Key: YOUR_API_KEY" \
  -d '{
    "taxable_income": 820000,
    "age": 45,
    "medical_aid_dependants": 2
  }'

RESPONSE

{
  "income_tax_payable": 222492,
  "gross_tax_before_rebates": 249336,
  "primary_rebate": 17820,
  "medical_tax_credit": 9024,
  "effective_rate": "27.1%",
  "marginal_rate": "39%",
  "figures_as_at": "Budget 2026/27",
  "disclaimer_tier": "MEDIUM"
}

💡

Medical tax credit: R376 × 3 dependants × 8 months = R9,024. Effective rate (27.1%) vs marginal rate (39%) — a frequently misunderstood distinction.

Retirement Planning

calculate_ra_deductibility

Maximum RA deduction for an employee earning R650,000 who contributed R180,000

REQUEST

curl -X POST https://finserv-mcp.co.za/api/mcp/ra-deductibility \
  -H "Content-Type: application/json" \
  -H "X-API-Key: YOUR_API_KEY" \
  -d '{
    "annual_remuneration": 650000,
    "annual_taxable_income": 650000,
    "personal_contributions": 180000,
    "employer_contributions": 0
  }'

RESPONSE

{
  "maximum_deduction": 178750,
  "calculation_basis": "27.5% of R650,000",
  "monetary_cap": 430000,
  "monetary_cap_applied": false,
  "deductible_amount": 178750,
  "non_deductible_excess": 1250,
  "excess_carried_forward": 1250,
  "tax_saving_estimate": 69712,
  "figures_as_at": "Budget 2026/27",
  "disclaimer_tier": "MEDIUM"
}

💡

R430,000 cap (raised from R350,000 in Budget 2026) not triggered here. 27.5% rate limit applies first. R1,250 excess carries forward to next year of assessment.

Small Business

check_sbc_qualification

SBC qualification test — sole-director IT consultancy with 2 unconnected employees

REQUEST

curl -X POST https://finserv-mcp.co.za/api/mcp/sbc-qualification \
  -H "Content-Type: application/json" \
  -H "X-API-Key: YOUR_API_KEY" \
  -d '{
    "entity_type": "private_company",
    "all_shareholders_natural_persons": true,
    "any_shareholder_has_other_company_interest": false,
    "gross_income": 1800000,
    "investment_income": 0,
    "renders_personal_services": true,
    "full_time_unconnected_employees": 2
  }'

RESPONSE

{
  "overall_result": "DOES NOT QUALIFY",
  "condition_5_personal_service": "FAIL",
  "disqualifier": "2 unconnected employees — minimum 3 required (s12E(4)(d))",
  "remedy": "Hire 1 additional unconnected full-time employee",
  "tax_at_27pct": 486000,
  "tax_at_sbc_if_qualified": 108970,
  "annual_cost_of_disqualification": 377030,
  "figures_as_at": "Budget 2026/27",
  "disclaimer_tier": "MEDIUM"
}

💡

Annual cost of being one employee short: R377,030. The tool surfaces the exact disqualifier and the minimum-effort remedy.

Economic Context

get_sarb_rates

Current SARB repo rate, prime rate, and MPC context

REQUEST

curl -X POST https://finserv-mcp.co.za/api/mcp/sarb-rates \
  -H "Content-Type: application/json" \
  -H "X-API-Key: YOUR_API_KEY" \
  -d '{}'

RESPONSE

{
  "repo_rate": 6.75,
  "prime_lending_rate": 10.25,
  "effective_date": "2025-11-20",
  "last_mpc_decision": "Held at 6.75% — unanimous (26 March 2026)",
  "next_mpc_date": "2026-05-28",
  "official_rate_fringe_benefits": 7.75,
  "sarb_inflation_target": "3% point target",
  "figures_as_at": "May 2026",
  "disclaimer_tier": "LOW"
}

💡

Also returns the official rate (repo + 1% = 7.75%) used for fringe benefit valuations and Section 7C loan calculations.

CODE EXAMPLES

JavaScript / Node.js

const res = await fetch(
  'https://finserv-mcp.co.za/api/mcp/transfer-duty',
  {
    method: 'POST',
    headers: {
      'Content-Type': 'application/json',
      'X-API-Key': process.env.FINSERV_API_KEY,
    },
    body: JSON.stringify({
      property_value: 2800000,
    }),
  }
);
const data = await res.json();
console.log(data.transfer_duty_payable);
// → 91200

Python

import requests

response = requests.post(
    "https://finserv-mcp.co.za/api/mcp/transfer-duty",
    headers={
        "Content-Type": "application/json",
        "X-API-Key": "YOUR_API_KEY",
    },
    json={"property_value": 2800000},
)
data = response.json()
print(data["transfer_duty_payable"])
# → 91200

MCP SSE ENDPOINT

Give your AI assistant live South African financial tools

Available on Developer (R1,999/month) and Enterprise plans. Connect Claude Desktop to all 33 statutory calculation tools — the AI calls them mid-conversation.

What becomes possible

"What estate duty on this R7.5M estate with a surviving spouse?"

Calls calculate_estate_duty → R0 payable. Spousal rollover and portable abatement absorb the liability. Cites s4(q) and s4A(2).

"Does my company qualify for SBC rates?"

Calls check_sbc_qualification → per-condition PASS/FAIL → exact disqualifier + remedy.

"Current repo rate?"

Calls get_sarb_rates → 6.75%, held at March 2026 MPC. Live maintained data, not training estimates.

"Transfer duty on R2,800,000 property?"

Calls calculate_transfer_duty → R91,200. Cites Transfer Duty Act 40/1949 and Budget 2026/27 table.

Claude Desktop configuration

Add this to your claude_desktop_config.json.

{
  "mcpServers": {
    "sa-financial-services": {
      "command": "npx",
      "args": [
        "-y",
        "@modelcontextprotocol/server-fetch",
        "https://web-production-53df49.up.railway.app/sse"
      ],
      "env": {
        "X-API-Key": "YOUR_DEVELOPER_API_KEY"
      }
    }
  }
}

SSE ENDPOINT DETAILS

SSE URL:

https://web-production-53df49.up.railway.app/sse

Auth:

X-API-Key header (Developer plan key)

Protocol:

Model Context Protocol (MCP) over SSE

Tools:

All 33 active tools

Plans:

Developer (R1,999/month) and Enterprise

GET STARTED

Ready to connect?

Payment via Paystack — Instant EFT, Visa, Mastercard, debit card. All major SA banks supported. Your API key is emailed within 2 minutes of payment confirmation.

PAYMENT METHODS (PAYSTACK)

Instant EFTVisaMastercardDebit cardFNBStandard BankABSANedbankCapitec

Starter — R249/month

150 calculations + API key (1 user)

→

Practitioner — R799/month

400 calculations + team API key (5 users)

→

Developer — R1,999/month

2,000 calculations + MCP SSE + 99.5% SLA

→

Enterprise — from R5,000/month

Custom volume, monthly invoicing, named contact

→

Pay-as-you-go bundle

Entry R100 / Standard R360 / Bulk R850

→

Questions before purchasing?

WhatsApp Wandile: 081 344 8722

Monday–Friday, 8am–6pm SAST

CONTACT

Send a message

For Enterprise enquiries, custom volume requirements, or integration questions.

FREQUENTLY ASKED QUESTIONS

Access and pricing questions

How do I access the calculators for free?

Go to finserv-mcp.co.za/modules, open any calculator, and run a calculation. No account, no credit card. The free trial gives you 3 calculations per device — enough to run a real client matter and verify the output quality and statutory accuracy. After 3 calculations, a prompt appears to subscribe or purchase a pay-as-you-go bundle.

Why only 3 trial calculations?

3 real statutory calculations are enough to verify that the tool works correctly and that the statutory references are accurate. A recurring monthly free tier would allow small practices to use the platform indefinitely without generating the revenue needed to maintain the statutory accuracy that makes it worth using. The pay-as-you-go Entry bundle at R100 for 50 credits is designed for low-volume occasional users.

What counts as one calculation?

Every successful tool call counts as one calculation — regardless of which tool is called. Estate duty, VAT position, CIPC compliance, exchange rates — each costs 1 credit per successful call. Failed calls where the server returns an error do not consume a credit.

Which plan is right for a small accounting practice with 4 staff?

Practitioner at R799/month. Up to 5 named users share the account and 400 monthly calculations. At 20 to 30 calculations per client matter and a typical small practice caseload, the ceiling is rarely approached. All fee earners get API access from a single subscription at R2.00 per calculation effective rate.

What is the MCP SSE endpoint and who needs it?

The MCP SSE endpoint connects Claude Desktop and other AI agents directly to all 33 tools, so the AI can call them mid-conversation to get exact statutory calculations rather than approximating. Available on Developer (R1,999/month) and Enterprise plans. If you only need to call tools from your own application code, the REST API on any paid plan is sufficient.

What happens when I hit my monthly calculation ceiling?

On Starter and Practitioner plans, you receive an email notification at 80% usage. At 100%, calculations pause. You can top up immediately with a pay-as-you-go bundle — no interruption to access. On the Developer plan, overage calls continue at R1.50 per call and are invoiced at month end. No service interruption.

Is there a contract or minimum term?

Starter, Practitioner, and Developer plans are month-to-month. Cancel before your next billing date and no further charge is made. Enterprise contracts have a 12-month minimum term. Pay-as-you-go bundles are a single purchase with no ongoing commitment.

How do I get an API key?

Email wandile@centurionai.co.za or WhatsApp 081 344 8722 with your plan choice. You will receive a Paystack payment link by return. Your API key is emailed within 2 minutes of payment confirmation. For pay-as-you-go, select a bundle and pay via the same link. For Enterprise, contact wandile@centurionai.co.za to begin the conversation.

Start with 3 free calculations. Upgrade when you need more.

33 statutory tools. Updated after every Budget. Built by Wandile Lokwe, FAIS Key Individual.

Open free calculators Get an API key

Three ways to connect.One platform.

Start with 3 free calculations. No account needed.

Full plan comparison

One endpoint pattern. 33 tools. Copy and run.

Working examples — one per module

Give your AI assistant live South African financial tools

What becomes possible

Claude Desktop configuration

Ready to connect?

Send a message

Access and pricing questions

How do I access the calculators for free?

Why only 3 trial calculations?

What counts as one calculation?

Which plan is right for a small accounting practice with 4 staff?

What is the MCP SSE endpoint and who needs it?

What happens when I hit my monthly calculation ceiling?

Is there a contract or minimum term?

How do I get an API key?

Start with 3 free calculations. Upgrade when you need more.

Three ways to connect.
One platform.