# Fi-Plan

> Financial simulator for Indian salaries: loans, taxes, SIPs and 50-year FIRE plans.

- name: io.github.ompurwar/fi-plan
- version: 1.0.0
- connection class: R0 (autonomous)
- trust: 91/100
- quality: 91/100 (strong)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/io.github.ompurwar%2Ffi-plan
- tools: https://api.protogrid.dev/v1/servers/io.github.ompurwar%2Ffi-plan/tools

**An agent can connect right now, no human step.** Remote endpoint, no authentication, reachable on the last probe.

## Connection (mcpServers)

```json
{
  "mcpServers": {
    "fi-plan": {
      "type": "http",
      "url": "https://www.fi-plan.in/mcp"
    }
  }
}
```


## Trust

- hygiene: 100
- liveness: 100
- freshness: 85
- provenance: 80
- drivers: +repository +namespace-matches-repo +reachable +uptime-100% ~updated-39d-ago
- Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed.

## Quality 91/100 (strong)

### protocol: 75 (weight 25)

- warn `protocol.modern`: newest supported version is 2025-11-25; 2026-07-28 not supported, older versions are deprecated until 2027-07-28
- n/a `protocol.stateless`: only applies to 2026-07-28 servers
- pass `protocol.transport`: streamable HTTP
- n/a `protocol.list_ttl`: only applies to 2026-07-28 servers

### authorization: n/a (weight 15)

- n/a `auth.prm`, `auth.as_metadata`, `auth.cimd`: no remote uses OAuth
- n/a `auth.secret_in_url`: no templated URL

### tool hygiene: 100 (weight 30)

- pass `tools.descriptions`: every tool has a description
- pass `tools.description_length`: descriptions are concise
- pass `tools.schemas`: every tool has an object input schema
- pass `tools.annotations`: 4 of 4 tools declare readOnlyHint or destructiveHint
- pass `tools.directory_hints`: every tool declares readOnlyHint, destructiveHint, idempotentHint and openWorldHint
- pass `tools.token_cost`: about 2,293 tokens to load every tool
- pass `tools.api_dump`: tools are not a one-to-one API dump

### stability: 100 (weight 15)

- pass `stability.changes`: no tool changes in 30 days
- pass `stability.rug_pull`: no tool changed its meaning under the same name

### dependencies: n/a (weight 15)

- n/a `deps.known_vulns`, `deps.mcp_sdk_version`, `deps.resolvable`: no npm or PyPI package

- tools: 4, about 2,293 tokens to load them all
- tool set hash: 9a3492de03b4aae23cbdf9a43955c573
- badge: [![protogrid quality](https://protogrid.dev/badge/io.github.ompurwar/fi-plan.svg)](https://protogrid.dev/servers/io.github.ompurwar/fi-plan)
- Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed.

### Tool changes

_No tool definition changes recorded._

## Remotes

- https://www.fi-plan.in/mcp (streamable-http, auth none, reachable true, uptime30d 1)

## Packages

_none_

## Tools (4)

- `asset_projection`: 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.
- `loan_amortization`: 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.
- `loan_refinance`: 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.
- `simulate_plan`: 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.