South African statutory calculations. Precise. Current. AI-callable.
The SA Professional Financial Services MCP Server is the calculation and reference infrastructure for AI-assisted financial and estate planning in South Africa. 33 tools across estate administration, personal tax, retirement planning, and small business compliance. All grounded in current legislation. All callable by any AI assistant that speaks the Model Context Protocol.
33
Active tools
4
Modules live
100%
Data not estimated
Tool: calculate_estate_duty
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Input: Gross estate: R4,200,000
Spousal bequest: R2,800,000
Result: Estate duty payable: R0.00
Unused abatement: R2,385,000
Source: Estate Duty Act 45/1955 s4A(1)
Figures as at: May 2026
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Tool: calculate_ra_deductibility
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Input: Taxable income: R620,000
Result: 27.5% of income: R170,500
Annual cap: R430,000 ← Budget 2026
Deductible amount: R170,500
Source: Income Tax Act s11F — Budget 2026/27
Figures as at: May 2026The Gap
General AI guesses. This server calculates.
| Without the MCP server | With the MCP server |
|---|---|
| AI estimates the estate duty abatement | AI returns R3,500,000 — Estate Duty Act 45/1955 s4A(1) |
| AI approximates executor fees on a R4M estate | AI returns R140,000 — 3.5% cap, Admin of Estates Act s51(1) |
| AI guesses the 2026/27 RA contribution cap | AI returns R430,000 — Budget 2026/27, Income Tax Act s11F |
| AI gives the wrong VAT registration threshold | AI returns R2,300,000 — Budget 2026 (corrected from R1M) |
| AI cannot verify SBC qualification conditions | AI runs all five Section 12E conditions with per-test results |
| AI approximates the two-pot seeding amount | AI returns the formula — 10% of vested ≤ R30,000, September 2024 |
| Practitioner must verify every figure manually | Practitioner reviews a disclaimed, legislation-attributed output |
Every figure the server returns carries a source, a figures_as_at date, and a tiered disclaimer calibrated to consequence — not added for legal cover. Estate duty returns HIGH. Executor fees return MEDIUM. Exchange rates return LOW.
Try It Live
Ask it something real.
Describe a South African estate, tax, retirement, or business scenario. The server returns calculated figures with legislation sources and the appropriate disclaimer. It will not estimate.
Suggested prompts — click to use:
Every response includes figures_as_at (maintenance date) and data_source (live API or maintained static value).
The Tools
33 tools. 4 modules. One server.
The tools are organised into four modules and an economic context foundation layer. Each module encodes a specific area of South African financial and compliance legislation. Platforms connect to the modules they need — one server, full scope.
Foundation Layer
5 tools — economic data backbone
get_sarb_ratesRepo 6.75%, prime 10.25%, last MPC decision, next meeting date
Maintained — updated after each MPC meeting
get_inflation_dataHeadline CPI 3.0%, core, food, SARB target comparison
Maintained — updated after each StatsSA release
get_exchange_ratesLive ZAR/USD, EUR, GBP, CNY, AUD — both directions
Frankfurter API live + static fallback
get_vat_infoVAT rate 15%, add/extract calculators, registration threshold
VAT Act
get_public_holidaysAll SA public holidays for current or specified year
Nager Date API live + static fallback
Maintenance
One server. Maintained once. Consumed by every product simultaneously.
South African statutory figures do not have public APIs. Every commercial tax calculator in the country encodes the legislation manually and updates after each Budget. The SA Financial Services MCP Server follows the same practice.
Budget 2026 required updates to three files: the RA cap raised from R350,000 to R430,000, the VAT registration threshold raised from R1,000,000 to R2,300,000, and the transfer duty brackets updated. All three were updated and deployed on Budget day. Every platform consuming the server received the update simultaneously.
| Trigger | Affected modules | Owner |
|---|---|---|
| February Budget | Modules 1, 2, 3, 5 — rates and thresholds | Wandile Lokwe |
| MPC meeting (bi-monthly) | Foundation Layer — SARB rates | Wandile Lokwe |
| StatsSA CPI release | Foundation Layer — inflation data | Wandile Lokwe |
| Legislation amendment | Relevant module(s) — case by case | Wandile Lokwe |
| Minister's notice | Specific figures as applicable | Wandile Lokwe |
The Right Engagement
Three categories of use.
CenturionAI platform ecosystem
Every CenturionAI product that involves a South African financial or compliance calculation connects to this server. EstateHelp, SmartDoc AI, InsureLoansA, FinPlan AI — one server, maintained once, consumed by all products simultaneously. When legislation changes, one file update propagates across the entire suite.
Independent SA practitioners
Estate administrators, financial advisors, accountants, and conveyancers who use Claude Desktop or any MCP-compatible AI assistant can connect to the hosted server on Railway. Every conversation involving a South African estate or financial matter has live access to calculated, legislation-grounded figures. No manual verification of model estimates required.
Platform builders — partner integration
If you are building an AI product for the South African financial services, estate administration, tax, or compliance market and need a statutory calculation layer you do not want to build and maintain yourself — this is available for integration. Standard SSE endpoint. Full documentation. Partnership terms by negotiation.
Start a partnership conversation →What Is Coming
4 modules live. 4 modules designed.
Each new module that goes live expands the calculation layer available to every platform consuming the server — without any change to the integration.
| Module | Tools | Status | Primary consumers |
|---|---|---|---|
| Foundation Layer | 5 | Live | All modules |
| Module 1 — Estate Administration | 7 | Live | EstateHelp · SmartDoc AI |
| Module 2 — Personal Tax | 8 | Live | FinPlan AI · SmartDoc AI |
| Module 3 — Retirement Planning | 7 | Live | FinPlan AI · InsureLoansA |
| Module 5 — Small Business | 6 | Live | SmartDoc AI · The Council |
| Module 4 — Property and Bonds | 3 planned | Building next | FinPlan AI · EstateHelp |
| Module 6 — Labour Law and CCMA | 4 planned | In specification | CCMA DIY Assistant |
| Module 7 — Insurance and Risk | 3 planned | Designed | InsureLoansA · FinPlan AI |
| Module 8 — JSE Market Data | 3 planned | Designed | FinPlan AI |
Built With
The architecture is deliberately simple. The precision is in the statutory content — reading the Acts, encoding the arithmetic correctly, setting the right disclaimer tier, and maintaining the data files after every triggering event. 63 source files. 33 active tools.
The calculation layer South African AI financial products should be running on.
If you are building AI tools for the South African financial services, estate administration, retirement, or tax market — and your current approach involves model-generated estimates for statutory figures — this is worth a conversation.
Book a discovery callCenturionAI (Pty) Ltd — Centurion, Gauteng, South Africa
Get in touch
Talk to Wandile directly
No sales team. No automated responses. Every enquiry goes directly to Wandile Lokwe. Describe your problem and you will get a direct answer about whether CenturionAI can solve it.