APIFinancial tools for AI agents

Finance, callable.
Built for agents.

Business valuation, startup runway, financial ratios, loan serviceability and cap table dilution — the same math a human analyst uses, returned as clean JSON your product or your agent can act on.

Get a free API key View endpoints

38

Callable tools

13

Valuation methods

50/mo

Free, no card

$0

Infra to run it

Get a free key

50 requests / month across every tool, no card. Upgrade any time.

Call it from anywhere

REST

curl -X POST https://utopiavalue.co/api/v1/runway \
  -H "Authorization: Bearer $UTOPIA_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "cash": 500000,
    "monthlyRevenue": 20000,
    "monthlyExpenses": 60000,
    "monthlyRevenueGrowth": 15
  }'

MCP (Claude, and any MCP-compatible agent)

{
  "mcpServers": {
    "utopia-value": {
      "command": "npx",
      "args": ["-y", "@utopiavalue/mcp-server"],
      "env": { "UTOPIA_API_KEY": "your-api-key-here" }
    }
  }
}

Every endpoint below has a matching MCP tool — full source in mcp-server/ of the repo.

Endpoints

Valuation

POST /api/v1/quick-estimateHeadline range from revenue + EBITDAAny key
POST /api/v1/valuationFull 13-method business valuationAny key
POST /api/v1/reportMulti-page PDF valuation reportPro / Business

Startup & credit tools

POST /api/v1/runwayRunway, breakeven month, Burn MultipleAny key
POST /api/v1/ratiosLiquidity, leverage, profitability, efficiency + flagsAny key
POST /api/v1/loan-serviceabilityDSCR and max loan size at a target coverage ratioAny key
POST /api/v1/dilutionPriced-round cap table dilution, incl. SAFEsAny key

Finance calculators (30 tools)

GET /api/v1/toolsCatalogue of all 30 calculators and their inputsNothing
POST /api/v1/tools/{slug}Run any calculator — NPV, IRR, WACC, LTV, break-even and 25 moreAny key

Account

GET /api/v1/methodsDiscovery — industries, tools, tier limitsNothing
POST /api/v1/keys/freeIssue a free API keyNothing
POST /api/v1/keys/refreshRenew an expiring paid keyPaid key

Pricing

One key, every tool. Monthly, cancel any time from the Stripe customer portal link emailed with your receipt.

Free

$0 /mo

50 requests / month

  • All 7 calculators (valuation, runway, ratios, loans, dilution)
  • No card required

No card required — see the form above.

Starter

$19 /mo

1,000 requests / month

  • Everything in Free
  • 1,000 requests / month
  • Commercial use
  • Email support

Pro

$49 /mo

10,000 requests / month

  • Everything in Starter
  • 10,000 requests / month
  • PDF report generation endpoint
  • Priority support

Business

$199 /mo

100,000 requests / month

  • Everything in Pro
  • 100,000 requests / month
  • White-label PDF output (no Utopia Value branding)
  • Dedicated support