Server definition

Hash: sha256:86eb519b4243694930c08efe609f4fc649d4963ee2fcb9e3ce1d6b3d656cf191
What it is: What a remote MCP server returned when asked what it offers: 4 tools

The blob, as servednamed by its sha256

{
  "instructions": null,
  "tools": [
    {
      "description": "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.",
      "inputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "additionalProperties": false,
        "properties": {
          "assessment_year": {
            "description": "Assessment year for tax rules, e.g. '2025-26' (default: current).",
            "type": "string"
          },
          "asset_class": {
            "description": "Asset type; affects default tax treatment (default 'fd').",
            "enum": [
              "fd",
              "bond",
              "savings",
              "gold",
              "ppf",
              "equity",
              "equity_foreign",
              "mf",
              "real_estate",
              "vda"
            ],
            "type": "string"
          },
          "category": {
            "description": "Bucket: s = savings, e = expenses, i = investments (default 'i').",
            "enum": [
              "s",
              "e",
              "i"
            ],
            "type": "string"
          },
          "compounding": {
            "description": "Compounding mode for growth (default none).",
            "enum": [
              "none",
              "simple",
              "monthly",
              "quarterly",
              "yearly"
            ],
            "type": "string"
          },
          "duration": {
            "description": "Projection length in months (default 120).",
            "minimum": 1,
            "type": "integer"
          },
          "growth_rate": {
            "description": "Annual capital growth rate in percent.",
            "minimum": 0,
            "type": "number"
          },
          "income_frequency": {
            "description": "Income payout frequency: m monthly, q quarterly, h half-yearly, y yearly.",
            "enum": [
              "m",
              "q",
              "h",
              "y"
            ],
            "type": "string"
          },
          "income_mode": {
            "description": "Where income goes: credit (cash) or reinvest.",
            "enum": [
              "credit",
              "reinvest"
            ],
            "type": "string"
          },
          "maturity_month": {
            "description": "Month the asset matures; value is released then.",
            "minimum": 1,
            "type": "integer"
          },
          "principal": {
            "description": "Starting value/principal in rupees.",
            "minimum": 0,
            "type": "number"
          },
          "purchase_month": {
            "description": "Month the asset is acquired (default 1).",
            "minimum": 1,
            "type": "integer"
          },
          "rent": {
            "additionalProperties": false,
            "description": "Real-estate rent settings.",
            "properties": {
              "expense_ratio": {
                "description": "Share of rent consumed by expenses, percent.",
                "maximum": 100,
                "minimum": 0,
                "type": "number"
              },
              "monthly_rent": {
                "description": "Monthly rent in rupees.",
                "exclusiveMinimum": 0,
                "type": "number"
              },
              "step_pct": {
                "description": "Annual rent escalation percent.",
                "minimum": 0,
                "type": "number"
              }
            },
            "required": [
              "monthly_rent"
            ],
            "type": "object"
          },
          "sale_month": {
            "description": "Month the asset is sold.",
            "minimum": 1,
            "type": "integer"
          },
          "sip": {
            "additionalProperties": false,
            "description": "Optional recurring SIP into the asset.",
            "properties": {
              "amount": {
                "description": "Instalment amount in rupees.",
                "exclusiveMinimum": 0,
                "type": "number"
              },
              "end_month": {
                "description": "Last instalment month.",
                "minimum": 1,
                "type": "integer"
              },
              "frequency": {
                "description": "Instalment frequency.",
                "enum": [
                  "m",
                  "q",
                  "y"
                ],
                "type": "string"
              },
              "start_month": {
                "description": "First instalment month.",
                "minimum": 1,
                "type": "integer"
              },
              "step_pct": {
                "description": "Percent each instalment steps up by.",
                "minimum": 0,
                "type": "number"
              }
            },
            "required": [
              "amount",
              "frequency",
              "start_month"
            ],
            "type": "object"
          },
          "title": {
            "description": "Display name for the asset (defaults to 'Asset').",
            "type": "string"
          },
          "yield_rate": {
            "description": "Annual income/yield rate in percent (interest, dividend, rent).",
            "minimum": 0,
            "type": "number"
          }
        },
        "required": [
          "principal",
          "growth_rate"
        ],
        "type": "object"
      },
      "name": "asset_projection",
      "outputSchema": null
    },
    {
      "description": "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.",
      "inputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "additionalProperties": false,
        "properties": {
          "amount": {
            "description": "Loan principal in rupees (e.g. 1500000 for ₹15,00,000).",
            "type": "number"
          },
          "interest_rate": {
            "description": "Annual interest rate in percent (e.g. 8.6).",
            "type": "number"
          },
          "prepayments": {
            "description": "Optional extra principal payments beyond the EMI: the EMI stays constant and the loan shortens.",
            "items": {
              "additionalProperties": false,
              "properties": {
                "amount": {
                  "description": "Prepayment amount in rupees.",
                  "exclusiveMinimum": 0,
                  "type": "number"
                },
                "desc": {
                  "description": "Optional label for the prepayment.",
                  "type": "string"
                },
                "frequency": {
                  "anyOf": [
                    {
                      "enum": [
                        "m",
                        "q",
                        "y"
                      ],
                      "type": "string"
                    },
                    {
                      "type": "null"
                    }
                  ],
                  "description": "Recurrence: m = monthly, q = quarterly, y = yearly; null = one-time lump."
                },
                "start_month": {
                  "description": "Loan-relative month of this payment (1 = the loan's first EMI month).",
                  "minimum": 1,
                  "type": "integer"
                },
                "step_frequency": {
                  "anyOf": [
                    {
                      "enum": [
                        "m",
                        "q",
                        "y"
                      ],
                      "type": "string"
                    },
                    {
                      "type": "null"
                    }
                  ],
                  "description": "How often step_pct applies (defaults to frequency)."
                },
                "step_pct": {
                  "description": "Percent the prepayment amount grows by each recurrence (step-up).",
                  "minimum": 0,
                  "type": "number"
                }
              },
              "required": [
                "start_month",
                "amount"
              ],
              "type": "object"
            },
            "type": "array"
          },
          "tenure": {
            "description": "Loan tenure in months (e.g. 240 for 20 years).",
            "type": "number"
          }
        },
        "required": [
          "amount",
          "interest_rate",
          "tenure"
        ],
        "type": "object"
      },
      "name": "loan_amortization",
      "outputSchema": null
    },
    {
      "description": "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.",
      "inputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "additionalProperties": false,
        "properties": {
          "amount": {
            "description": "Outstanding loan principal at refinance_month, in rupees.",
            "exclusiveMinimum": 0,
            "type": "number"
          },
          "foreclosure_charge": {
            "description": "Foreclosure/prepayment penalty in rupees (default 0).",
            "minimum": 0,
            "type": "number"
          },
          "interest_rate": {
            "description": "Current annual interest rate in percent.",
            "minimum": 0,
            "type": "number"
          },
          "new_rate": {
            "description": "Annual interest rate of the new loan in percent.",
            "minimum": 0,
            "type": "number"
          },
          "new_tenure": {
            "description": "Tenure of the new loan in months.",
            "minimum": 1,
            "type": "integer"
          },
          "refinance_month": {
            "description": "Loan-relative month the refinance happens (outstanding balance is settled).",
            "minimum": 1,
            "type": "integer"
          },
          "tenure": {
            "description": "Total tenure of the existing loan in months.",
            "minimum": 1,
            "type": "integer"
          }
        },
        "required": [
          "amount",
          "interest_rate",
          "tenure",
          "refinance_month",
          "new_rate",
          "new_tenure"
        ],
        "type": "object"
      },
      "name": "loan_refinance",
      "outputSchema": null
    },
    {
      "description": "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.",
      "inputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "additionalProperties": false,
        "properties": {
          "duration": {
            "description": "Projection length in months (public tier caps this).",
            "type": "number"
          },
          "milestones": {
            "description": "With summary, return yearly points and totals instead of every month.",
            "type": "boolean"
          },
          "patches": {
            "description": "Ordered scenario patches (add_income, add_expense, add_cashflow_change, add_loan, update_loan, add_fdp, set_account_balance).",
            "items": {
              "additionalProperties": {},
              "type": "object"
            },
            "type": "array"
          },
          "plan_id": {
            "description": "Load a saved plan by id (authenticated tier only).",
            "type": "string"
          },
          "plan_json": {
            "additionalProperties": {},
            "description": "Inline plan object for anonymous use; bounded to 256 KB.",
            "type": "object"
          },
          "summary": {
            "description": "Return the compact summary (monthly totals + balances) instead of the full snapshot.",
            "type": "boolean"
          }
        },
        "type": "object"
      },
      "name": "simulate_plan",
      "outputSchema": null
    }
  ]
}

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