MCP server exposing Zambian fintech utilities: PAYE/NAPSA payroll calculator (gross↔net, allowances), BOZ exchange rates, ZESCO units, and mobile money fees.
# zambia-fintech-mcp
A Model Context Protocol (MCP) server that gives AI assistants access to
Zambia-specific financial utilities — PAYE & NAPSA payroll calculations,
exchange rates, ZESCO prepaid unit calculations, and mobile money fee quoting.
Built so you can ask Claude / Cursor / any MCP-aware client things like:
> *"If I want a net take-home of K10,000, what gross do I need to negotiate?"*
> *"Break down PAYE on a K15,000 gross with K3k housing and K2k transport."*
> *"How many ZESCO units do I get for K200?"*
> *"What's the MTN fee on sending K1,500 to another user?"*
> *"What's today's ZMW/USD rate?"*
…and have it actually answer with structured data — full per-band tax
breakdowns, NAPSA contributions, fee tiers, the lot.
## Tools
| Tool | What it does |
| --- | --- |
| `zesco_calculate_units` | Returns kWh units for a kwacha purchase amount, applying T1/T2/T3 residential bands |
| `boz_exchange_rate` | ZMW → quote-currency indicative rate (stubbed in v0.1) |
| `boz_list_supported_quotes` | Lists currencies the rate tool knows about |
| `momo_quote_fee` | Quotes mobile money fees with operator/levy split, sourced from per-provider JSON schedules |
| `momo_list_operations` | Lists the operations defined for a given provider's active schedule |
| `momo_list_providers` | Lists providers with at least one fee schedule loaded |
| `paye_gross_to_net` | Monthly PAYE + NAPSA → net take-home, with per-band breakdown |
| `paye_net_to_gross` | Reverse: solve the gross required to land at a desired net |
| `paye_from_allowances` | Payslip from basic + housing + transport + other taxable |
| `paye_bands` | Returns the PAYE bands in use so callers can audit assumptions |
## Install
```bash
npm install
npm run build
```
## Use with Claude Desktop / Claude Code
Add to your MCP config:
```json
{
"mcpServers": {
"zambia-fintech": {
"command": "node",
"args": ["/absolute/path/to/zambia-fintech-mcp/dist/index.js"]
}
}
}
```
## v0.1 — what's real, what's stub
| Tool …