Fi-Plan
Financial simulator for Indian salaries: loans, taxes, SIPs and 50-year FIRE plans.
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Calidad y seguridad
Basado en el análisis automatizado de las definiciones de herramientas y el cumplimiento del protocolo.
Costo de contexto
Este es el número aproximado de tokens que se consumen cada vez que las herramientas del servidor se cargan en el contexto de un modelo. Los recuentos más altos reducen la atención disponible para otras tareas.
Instalar
Instalación con un clic
Agrega esto a tu archivo `claude_desktop_config.json`:
{
"mcpServers": {
"fi-plan": {
"url": "https://www.fi-plan.in/mcp"
}
}
}Puntos de conexión remotos
https://www.fi-plan.in/mcpstreamable-httpQué puede hacer
Inventario de herramientas
Herramientas (4)
🟢simulate_plan(plan_id, plan_json, patches, duration, summary, ...)
Applies an ordered list of scenario patches to a DEEP COPY of the plan (never persisted) and returns the resulting snapshot plus applied_patches. Pass plan_id to load the plan server-side (preferred — never paste plan_json); plan_json is accepted for portability. Pass summary=true for the compact view; add milestones=true for long durations to get yearly points + totals instead of every month. Patches support add_income, add_expense, add_cashflow_change, add_loan, update_loan (loan_id plus any of title, principal_amount, interest_rate, start_month, end_month, deposit_to_bank, type, ref_id, prepayments), add_fdp (fdp: { start_month, end_month, s, e, i } with s + e + i = 100 — or the legacy { amount, interest_rate, tenure } fixed-deposit shape) and set_account_balance — nested ({"op":"add_cashflow_change","change":{...}}) and flat ({cashflow_id,value,start_month,...}) forms are both accepted; the op is inferred from the fields.
Esquema de entrada
{
"type": "object",
"properties": {
"plan_id": {
"type": "string",
"description": "Load a saved plan by id (authenticated tier only)."
},
"plan_json": {
"type": "object",
"additionalProperties": {},
"description": "Inline plan object for anonymous use; bounded to 256 KB."
},
"patches": {
"type": "array",
"items": {
"type": "object",
"additionalProperties": {}
},
"description": "Ordered scenario patches (add_income, add_expense, add_cashflow_change, add_loan, update_loan, add_fdp, set_account_balance)."
},
"duration": {
"type": "number",
"description": "Projection length in months (public tier caps this)."
},
"summary": {
"type": "boolean",
"description": "Return the compact summary (monthly totals + balances) instead of the full snapshot."
},
"milestones": {
"type": "boolean",
"description": "With summary, return yearly points and totals instead of every month."
}
},
"additionalProperties": false,
"$schema": "http://json-schema.org/draft-07/schema#"
}🟢loan_amortization(amount, interest_rate, tenure, prepayments)
Pure calculation of EMI and a month-by-month amortization schedule for a loan of amount at annual interest_rate over tenure months. Returns opening/closing balance, interest, principal and running totals per month. Pass optional prepayments to model extra principal payments beyond the EMI (each {start_month, amount, frequency: 'm'|'q'|'y'|null, step_pct?} — null frequency = one-time lump, step_pct = % the amount grows by each recurrence): the EMI stays constant, the loan shortens, and the result becomes { schedule, payoff_month, total_interest_paid, total_prepaid, interest_saved } instead of a plain array. NOTE: here start_month is loan-relative (1 = the loan's first EMI month); on a persisted loan the same fields are plan-absolute months.
Esquema de entrada
{
"type": "object",
"properties": {
"amount": {
"type": "number",
"description": "Loan principal in rupees (e.g. 1500000 for ₹15,00,000)."
},
"interest_rate": {
"type": "number",
"description": "Annual interest rate in percent (e.g. 8.6)."
},
"tenure": {
"type": "number",
"description": "Loan tenure in months (e.g. 240 for 20 years)."
},
"prepayments": {
"type": "array",
"items": {
"type": "object",
"properties": {
"start_month": {
"type": "integer",
"minimum": 1,
"description": "Loan-relative month of this payment (1 = the loan's first EMI month)."
},
"amount": {
"type": "number",
"exclusiveMinimum": 0,
"description": "Prepayment amount in rupees."
},
"frequency": {
"anyOf": [
{
"type": "string",
"enum": [
"m",
"q",
"y"
]
},
{
"type": "null"
}
],
"description": "Recurrence: m = monthly, q = quarterly, y = yearly; null = one-time lump."
},
"step_pct": {
"type": "number",
"minimum": 0,
"description": "Percent the prepayment amount grows by each recurrence (step-up)."
},
"step_frequency": {
"anyOf": [
{
"type": "string",
"enum": [
"m",
"q",
"y"
]
},
{
"type": "null"
}
],
"description": "How often step_pct applies (defaults to frequency)."
},
"desc": {
"type": "string",
"description": "Optional label for the prepayment."
}
},
"required": [
"start_month",
"amount"
],
"additionalProperties": false
},
"description": "Optional extra principal payments beyond the EMI: the EMI stays constant and the loan shortens."
}
},
"required": [
"amount",
"interest_rate",
"tenure"
],
"additionalProperties": false,
"$schema": "http://json-schema.org/draft-07/schema#"
}🟢loan_refinance(amount, interest_rate, tenure, refinance_month, new_rate, ...)
Pure what-if: closes the loan at refinance_month (outstanding balance settled) and restarts it at new_rate over new_tenure months. Returns outstanding balance, old vs new EMI, remaining interest vs new total interest, interest_saved, net_savings (after optional foreclosure_charge) and breakeven_months (null when the new EMI is not lower). Read-only — to persist, update the old loan's end_month and add the new loan.
Esquema de entrada
{
"type": "object",
"properties": {
"amount": {
"type": "number",
"exclusiveMinimum": 0,
"description": "Outstanding loan principal at refinance_month, in rupees."
},
"interest_rate": {
"type": "number",
"minimum": 0,
"description": "Current annual interest rate in percent."
},
"tenure": {
"type": "integer",
"minimum": 1,
"description": "Total tenure of the existing loan in months."
},
"refinance_month": {
"type": "integer",
"minimum": 1,
"description": "Loan-relative month the refinance happens (outstanding balance is settled)."
},
"new_rate": {
"type": "number",
"minimum": 0,
"description": "Annual interest rate of the new loan in percent."
},
"new_tenure": {
"type": "integer",
"minimum": 1,
"description": "Tenure of the new loan in months."
},
"foreclosure_charge": {
"type": "number",
"minimum": 0,
"description": "Foreclosure/prepayment penalty in rupees (default 0)."
}
},
"required": [
"amount",
"interest_rate",
"tenure",
"refinance_month",
"new_rate",
"new_tenure"
],
"additionalProperties": false,
"$schema": "http://json-schema.org/draft-07/schema#"
}🟢asset_projection(title, asset_class, category, principal, purchase_month, ...)
Pure calculator for one asset (no plan needed): monthly value, invested, growth, income and TDS over duration months. Pass asset parameters (principal, growth_rate, yield_rate, income_frequency, income_mode, maturity_month, sale_month, sip) — class presets are NOT applied automatically, so pass explicit rates. TDS on FD interest follows the stored rules for the assessment_year. Returns rows plus closing value and totals.
Esquema de entrada
{
"type": "object",
"properties": {
"title": {
"type": "string",
"description": "Display name for the asset (defaults to 'Asset')."
},
"asset_class": {
"type": "string",
"enum": [
"fd",
"bond",
"savings",
"gold",
"ppf",
"equity",
"equity_foreign",
"mf",
"real_estate",
"vda"
],
"description": "Asset type; affects default tax treatment (default 'fd')."
},
"category": {
"type": "string",
"enum": [
"s",
"e",
"i"
],
"description": "Bucket: s = savings, e = expenses, i = investments (default 'i')."
},
"principal": {
"type": "number",
"minimum": 0,
"description": "Starting value/principal in rupees."
},
"purchase_month": {
"type": "integer",
"minimum": 1,
"description": "Month the asset is acquired (default 1)."
},
"growth_rate": {
"type": "number",
"minimum": 0,
"description": "Annual capital growth rate in percent."
},
"yield_rate": {
"type": "number",
"minimum": 0,
"description": "Annual income/yield rate in percent (interest, dividend, rent)."
},
"income_frequency": {
"type": "string",
"enum": [
"m",
"q",
"h",
"y"
],
"description": "Income payout frequency: m monthly, q quarterly, h half-yearly, y yearly."
},
"income_mode": {
"type": "string",
"enum": [
"credit",
"reinvest"
],
"description": "Where income goes: credit (cash) or reinvest."
},
"compounding": {
"type": "string",
"enum": [
"none",
"simple",
"monthly",
"quarterly",
"yearly"
],
"description": "Compounding mode for growth (default none)."
},
"maturity_month": {
"type": "integer",
"minimum": 1,
"description": "Month the asset matures; value is released then."
},
"sale_month": {
"type": "integer",
"minimum": 1,
"description": "Month the asset is sold."
},
"rent": {
"type": "object",
"properties": {
"monthly_rent": {
"type": "number",
"exclusiveMinimum": 0,
"description": "Monthly rent in rupees."
},
"step_pct": {
"type": "number",
"minimum": 0,
"description": "Annual rent escalation percent."
},
"expense_ratio": {
"type": "number",
"minimum": 0,
"maximum": 100,
"description": "Share of rent consumed by expenses, percent."
}
},
"required": [
"monthly_rent"
],
"additionalProperties": false,
"description": "Real-estate rent settings."
},
"sip": {
"type": "object",
"properties": {
"amount": {
"type": "number",
"exclusiveMinimum": 0,
"description": "Instalment amount in rupees."
},
"frequency": {
"type": "string",
"enum": [
"m",
"q",
"y"
],
"description": "Instalment frequency."
},
"start_month": {
"type": "integer",
"minimum": 1,
"description": "First instalment month."
},
"end_month": {
"type": "integer",
"minimum": 1,
"description": "Last instalment month."
},
"step_pct": {
"type": "number",
"minimum": 0,
"description": "Percent each instalment steps up by."
}
},
"required": [
"amount",
"frequency",
"start_month"
],
"additionalProperties": false,
"description": "Optional recurring SIP into the asset."
},
"duration": {
"type": "integer",
"minimum": 1,
"description": "Projection length in months (default 120)."
},
"assessment_year": {
"type": "string",
"description": "Assessment year for tax rules, e.g. '2025-26' (default: current)."
}
},
"required": [
"principal",
"growth_rate"
],
"additionalProperties": false,
"$schema": "http://json-schema.org/draft-07/schema#"
}Comunidad
Evidencia