io.github.ompurwar/fi-plan

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Au dernier audit MCP Hub, le serveur MCP « io.github.ompurwar/fi-plan » est classé « Non encore testé ». Référencé dans l'annuaire. Seul le pentest comportemental fait foi, et il n'a pas encore été exécuté sur ce serveur. Le verdict est réévalué en continu ; consultez la fiche pour l'état à jour.

Méthode : MCP Hub analyse la description de chaque outil (couche 1) et, pour le verdict fort, exécute le serveur dans une micro-VM isolée avec leurres et réseau bloqué (couche 2). On publie des noms et des compteurs, jamais le contenu brut renvoyé par un outil.

Les 4 outils

• asset_projection≈ 938 tokens

  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.

  Paramètres, retour & exemple (16)

  Paramètres

  • sip · object · optionnel
    Optional recurring SIP into the asset.
  • rent · object · optionnel
    Real-estate rent settings.
  • title · string · optionnel
    Display name for the asset (defaults to 'Asset').
  • category · string · optionnel · s | e | i
    Bucket: s = savings, e = expenses, i = investments (default 'i').
  • duration · integer · optionnel
    Projection length in months (default 120).
  • principal · number · requis
    Starting value/principal in rupees.
  • sale_month · integer · optionnel
    Month the asset is sold.
  • yield_rate · number · optionnel
    Annual income/yield rate in percent (interest, dividend, rent).
  • asset_class · string · optionnel · fd | bond | savings | gold | ppf | equity | equity_foreign | mf
    Asset type; affects default tax treatment (default 'fd').
  • compounding · string · optionnel · none | simple | monthly | quarterly | yearly
    Compounding mode for growth (default none).
  • growth_rate · number · requis
    Annual capital growth rate in percent.
  • income_mode · string · optionnel · credit | reinvest
    Where income goes: credit (cash) or reinvest.
  • maturity_month · integer · optionnel
    Month the asset matures; value is released then.
  • purchase_month · integer · optionnel
    Month the asset is acquired (default 1).
  • assessment_year · string · optionnel
    Assessment year for tax rules, e.g. '2025-26' (default: current).
  • income_frequency · string · optionnel · m | q | h | y
    Income payout frequency: m monthly, q quarterly, h half-yearly, y yearly.

  Exemple d'appel

  {"name": "asset_projection", "arguments": {"principal": 1, "growth_rate": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• loan_amortization≈ 625 tokens

  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.

  Paramètres, retour & exemple (4)

  Paramètres

  • amount · number · requis
    Loan principal in rupees (e.g. 1500000 for ₹15,00,000).
  • tenure · number · requis
    Loan tenure in months (e.g. 240 for 20 years).
  • prepayments · array · optionnel
    Optional extra principal payments beyond the EMI: the EMI stays constant and the loan shortens.
  • interest_rate · number · requis
    Annual interest rate in percent (e.g. 8.6).

  Exemple d'appel

  {"name": "loan_amortization", "arguments": {"amount": 1, "tenure": 1, "interest_rate": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• loan_refinance≈ 424 tokens

  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.

  Paramètres, retour & exemple (7)

  Paramètres

  • amount · number · requis
    Outstanding loan principal at refinance_month, in rupees.
  • tenure · integer · requis
    Total tenure of the existing loan in months.
  • new_rate · number · requis
    Annual interest rate of the new loan in percent.
  • new_tenure · integer · requis
    Tenure of the new loan in months.
  • interest_rate · number · requis
    Current annual interest rate in percent.
  • refinance_month · integer · requis
    Loan-relative month the refinance happens (outstanding balance is settled).
  • foreclosure_charge · number · optionnel
    Foreclosure/prepayment penalty in rupees (default 0).

  Exemple d'appel

  {"name": "loan_refinance", "arguments": {"amount": 1, "tenure": 1, "new_rate": 1, "new_tenure": 1, "interest_rate": 1, "refinance_month": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• simulate_plan≈ 528 tokens

  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.

  Paramètres, retour & exemple (6)

  Paramètres

  • patches · array · optionnel
    Ordered scenario patches (add_income, add_expense, add_cashflow_change, add_loan, update_loan, add_fdp, set_account_balance).
  • plan_id · string · optionnel
    Load a saved plan by id (authenticated tier only).
  • summary · boolean · optionnel
    Return the compact summary (monthly totals + balances) instead of the full snapshot.
  • duration · number · optionnel
    Projection length in months (public tier caps this).
  • plan_json · object · optionnel
    Inline plan object for anonymous use; bounded to 256 KB.
  • milestones · boolean · optionnel
    With summary, return yearly points and totals instead of every month.

  Exemple d'appel

  {"name": "simulate_plan", "arguments": {"patches": [], "plan_id": "texte", "summary": true, "duration": 1, "plan_json": {}, "milestones": true}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

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Source

https://www.fi-plan.in/mcp