@thomasgorisse/finance-mcp 1.0.0

package/LICENSE

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+MIT License
+
+Copyright (c) 2026 SceneView Tools
+
+Permission is hereby granted, free of charge, to any person obtaining a copy
+of this software and associated documentation files (the "Software"), to deal
+in the Software without restriction, including without limitation the rights
+to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
+copies of the Software, and to permit persons to whom the Software is
+furnished to do so, subject to the following conditions:
+
+The above copyright notice and this permission notice shall be included in all
+copies or substantial portions of the Software.
+
+THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
+IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
+FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
+AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
+LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
+OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
+SOFTWARE.

package/PRIVACY.md

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+# Privacy Policy — finance-mcp
+
+_Last updated: 2026-03-26_
+
+## Data Collection
+
+finance-mcp **does not collect, store, or transmit any personal or financial
+data**. All calculations run locally within the MCP server process.
+
+## What We Don't Collect
+
+- No income, expense, or salary data
+- No investment portfolio information
+- No tax identification numbers
+- No personally identifiable information
+- No usage analytics or telemetry
+- No cookies or tracking
+
+## Third-Party Services
+
+finance-mcp does not connect to any external APIs or third-party services.
+All computations are performed offline using built-in mathematical models.
+
+## Data Retention
+
+There is no data retention because no data is collected. Each tool call is
+stateless — inputs are processed and results returned without persistence.
+
+## Children's Privacy
+
+finance-mcp does not knowingly collect information from children under 13.
+
+## Changes
+
+We may update this privacy policy from time to time. Changes will be posted
+in the repository.
+
+## Contact
+
+For privacy-related questions, open an issue at:
+https://github.com/mcp-tools-lab/finance-mcp/issues

package/README.md

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+# finance-mcp
+
+Personal finance MCP server for AI assistants. Loan simulation, budgeting, investment comparison, retirement planning, French tax optimization, and inflation calculator.
+
+> **DISCLAIMER: This is NOT financial advice.** All calculations are for informational and educational purposes only. Results use simplified models and may not reflect all real-world variables. Always consult a qualified financial advisor before making any financial decisions.
+
+## Tools
+
+| Tool | Description |
+|------|-------------|
+| `simulate_loan` | Loan simulation (mortgage, car, student, personal) with amortization table |
+| `calculate_budget` | Monthly budget analysis with savings rate and 50/30/20 rule |
+| `compare_investments` | Compare investment options with nominal, real, and after-tax returns |
+| `calculate_retirement` | Retirement planning — how much to save monthly to reach your goal |
+| `tax_optimizer` | French tax analysis and optimization (bareme progressif, PFU, PER, PEA) |
+| `inflation_calculator` | Real value of money over time with inflation scenarios |
+
+## Installation
+
+```bash
+npm install -g finance-mcp
+```
+
+## Usage with Claude Desktop
+
+Add to your `claude_desktop_config.json`:
+
+```json
+{
+  "mcpServers": {
+    "finance": {
+      "command": "npx",
+      "args": ["finance-mcp"]
+    }
+  }
+}
+```
+
+## Pricing
+
+| Tier | Price | Limits |
+|------|-------|--------|
+| Free | $0/month | 20 tool calls/month |
+| Pro | $14.99/month | Unlimited |
+
+## Development
+
+```bash
+npm install
+npm run build
+npm test
+```
+
+## License
+
+MIT - SceneView Tools
+
+See [TERMS.md](./TERMS.md) and [PRIVACY.md](./PRIVACY.md) for full terms and privacy policy.

package/TERMS.md

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+# Terms of Service — finance-mcp
+
+_Last updated: 2026-03-26_
+
+## Disclaimer
+
+**This software is NOT financial advice.** All calculations, simulations, and
+suggestions provided by finance-mcp are for **informational and educational
+purposes only**. Always consult a qualified financial advisor before making
+financial decisions.
+
+## Service Tiers
+
+| Tier | Price | Limits |
+|------|-------|--------|
+| Free | $0/month | 20 tool calls per month |
+| Pro | $14.99/month | Unlimited tool calls, priority support |
+
+## Accuracy
+
+While we strive for accuracy, finance-mcp:
+- Uses simplified models that may not reflect all real-world variables
+- Does not account for all tax regulations or recent legislative changes
+- May produce results that differ from actual financial outcomes
+- Is not a substitute for professional financial planning
+
+## Limitation of Liability
+
+SceneView Tools shall not be liable for any financial losses, damages, or
+consequences arising from the use of this software. Users assume all risk
+associated with financial decisions made based on outputs from this tool.
+
+## Data
+
+finance-mcp does **not** store, transmit, or persist any user financial data.
+All calculations are performed locally and results are returned directly to
+the calling application.
+
+## Changes
+
+We reserve the right to modify these terms at any time. Continued use of the
+software constitutes acceptance of updated terms.
+
+## Contact
+
+For questions about these terms, open an issue at:
+https://github.com/mcp-tools-lab/finance-mcp/issues

package/dist/disclaimer.d.ts

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+/**
+ * Standard disclaimer appended to all tool responses.
+ *
+ * IMPORTANT: finance-mcp is NOT financial advice.
+ */
+export declare const DISCLAIMER: string;
+export declare function withDisclaimer(text: string): string;
+//# sourceMappingURL=disclaimer.d.ts.map

package/dist/disclaimer.d.ts.map

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+{"version":3,"file":"disclaimer.d.ts","sourceRoot":"","sources":["../src/disclaimer.ts"],"names":[],"mappings":"AAAA;;;;GAIG;AACH,eAAO,MAAM,UAAU,QAKqC,CAAC;AAE7D,wBAAgB,cAAc,CAAC,IAAI,EAAE,MAAM,GAAG,MAAM,CAEnD"}

package/dist/disclaimer.js

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+/**
+ * Standard disclaimer appended to all tool responses.
+ *
+ * IMPORTANT: finance-mcp is NOT financial advice.
+ */
+export const DISCLAIMER = "\n\n---\n" +
+    "DISCLAIMER: This is NOT financial advice. These calculations are for " +
+    "informational and educational purposes only. Results use simplified models " +
+    "and may not reflect all real-world variables. Always consult a qualified " +
+    "financial advisor before making any financial decisions.";
+export function withDisclaimer(text) {
+    return text + DISCLAIMER;
+}
+//# sourceMappingURL=disclaimer.js.map

package/dist/disclaimer.js.map

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+{"version":3,"file":"disclaimer.js","sourceRoot":"","sources":["../src/disclaimer.ts"],"names":[],"mappings":"AAAA;;;;GAIG;AACH,MAAM,CAAC,MAAM,UAAU,GACrB,WAAW;IACX,uEAAuE;IACvE,6EAA6E;IAC7E,2EAA2E;IAC3E,0DAA0D,CAAC;AAE7D,MAAM,UAAU,cAAc,CAAC,IAAY;IACzC,OAAO,IAAI,GAAG,UAAU,CAAC;AAC3B,CAAC"}

package/dist/index.d.ts

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+#!/usr/bin/env node
+/**
+ * finance-mcp — Personal Finance MCP Server
+ *
+ * DISCLAIMER: This is NOT financial advice. All calculations are for
+ * informational and educational purposes only. Consult a qualified
+ * financial advisor before making financial decisions.
+ *
+ * @author SceneView Tools
+ * @license MIT
+ */
+export {};
+//# sourceMappingURL=index.d.ts.map

package/dist/index.d.ts.map

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+{"version":3,"file":"index.d.ts","sourceRoot":"","sources":["../src/index.ts"],"names":[],"mappings":";AAEA;;;;;;;;;GASG"}

package/dist/index.js

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+#!/usr/bin/env node
+/**
+ * finance-mcp — Personal Finance MCP Server
+ *
+ * DISCLAIMER: This is NOT financial advice. All calculations are for
+ * informational and educational purposes only. Consult a qualified
+ * financial advisor before making financial decisions.
+ *
+ * @author SceneView Tools
+ * @license MIT
+ */
+import { McpServer } from "@modelcontextprotocol/sdk/server/mcp.js";
+import { StdioServerTransport } from "@modelcontextprotocol/sdk/server/stdio.js";
+import { z } from "zod";
+import { simulateLoan } from "./tools/simulate-loan.js";
+import { calculateBudget } from "./tools/calculate-budget.js";
+import { compareInvestments } from "./tools/compare-investments.js";
+import { calculateRetirement } from "./tools/calculate-retirement.js";
+import { taxOptimizer } from "./tools/tax-optimizer.js";
+import { inflationCalculator } from "./tools/inflation-calculator.js";
+const server = new McpServer({
+    name: "finance-mcp",
+    version: "1.0.0",
+    description: "Personal finance tools: loan simulation, budgeting, investment comparison, " +
+        "retirement planning, tax optimization (FR), and inflation calculator. " +
+        "NOT financial advice — consult a professional.",
+});
+// --- Tool 1: simulate_loan ---
+server.tool("simulate_loan", "Simulate a loan (mortgage, car, student, personal) with amortization table. " +
+    "Calculates monthly payments, total interest, total cost. NOT financial advice.", {
+    type: z.enum(["mortgage", "car", "student", "personal"]).describe("Loan type"),
+    principal: z.number().positive().describe("Loan amount in EUR"),
+    annualRate: z.number().min(0).describe("Annual interest rate (e.g. 3.5 for 3.5%)"),
+    termYears: z.number().positive().describe("Loan term in years"),
+    insuranceRate: z
+        .number()
+        .min(0)
+        .optional()
+        .describe("Monthly insurance rate as % of principal (e.g. 0.03)"),
+    fullTable: z.boolean().optional().describe("Show full amortization table (default: abbreviated)"),
+}, async (args) => {
+    try {
+        const result = simulateLoan(args);
+        return { content: [{ type: "text", text: result.summary }] };
+    }
+    catch (e) {
+        return { content: [{ type: "text", text: `Error: ${e.message}` }], isError: true };
+    }
+});
+// --- Tool 2: calculate_budget ---
+server.tool("calculate_budget", "Analyze monthly budget from income and expenses. Calculates savings rate, " +
+    "budget health (50/30/20 rule), and recommendations. NOT financial advice.", {
+    monthlyIncome: z.number().positive().describe("Monthly net income in EUR"),
+    fixedExpenses: z
+        .record(z.string(), z.number())
+        .describe('Fixed expenses as {"rent": 800, "insurance": 120, ...}'),
+    variableExpenses: z
+        .record(z.string(), z.number())
+        .describe('Variable expenses as {"food": 400, "transport": 100, ...}'),
+    savingsGoals: z
+        .record(z.string(), z.number())
+        .optional()
+        .describe('Savings goals as {"emergency_fund": 200, "vacation": 100}'),
+    currency: z.string().optional().describe("Currency code (default: EUR)"),
+}, async (args) => {
+    try {
+        const result = calculateBudget(args);
+        return { content: [{ type: "text", text: result.summary }] };
+    }
+    catch (e) {
+        return { content: [{ type: "text", text: `Error: ${e.message}` }], isError: true };
+    }
+});
+// --- Tool 3: compare_investments ---
+server.tool("compare_investments", "Compare investment options (stocks, bonds, real estate, savings accounts) " +
+    "over a time horizon. Shows nominal, real, and after-tax returns. NOT financial advice.", {
+    initialAmount: z.number().min(0).describe("Initial investment amount in EUR"),
+    monthlyContribution: z.number().min(0).optional().describe("Monthly contribution in EUR"),
+    horizonYears: z.number().positive().describe("Investment horizon in years"),
+    inflationRate: z.number().min(0).optional().describe("Annual inflation rate % (default: 2)"),
+    taxRate: z.number().min(0).max(100).optional().describe("Tax rate on gains % (default: 30 for FR PFU)"),
+    options: z
+        .array(z.object({
+        name: z.string().describe("Investment name"),
+        expectedReturn: z.number().describe("Expected annual return %"),
+        riskLevel: z.number().min(1).max(10).describe("Risk level 1-10"),
+        annualFees: z.number().min(0).optional().describe("Annual fees %"),
+        taxable: z.boolean().optional().describe("Whether gains are taxed"),
+        liquidity: z
+            .enum(["immediate", "days", "weeks", "months", "years"])
+            .optional()
+            .describe("Liquidity level"),
+    }))
+        .min(1)
+        .describe("Investment options to compare"),
+}, async (args) => {
+    try {
+        const result = compareInvestments(args);
+        return { content: [{ type: "text", text: result.summary }] };
+    }
+    catch (e) {
+        return { content: [{ type: "text", text: `Error: ${e.message}` }], isError: true };
+    }
+});
+// --- Tool 4: calculate_retirement ---
+server.tool("calculate_retirement", "Retirement planning calculator. Determines how much to save monthly to reach " +
+    "your retirement income goal, accounting for inflation and pension. NOT financial advice.", {
+    currentAge: z.number().positive().describe("Current age"),
+    retirementAge: z.number().positive().describe("Target retirement age"),
+    lifeExpectancy: z.number().positive().optional().describe("Planning life expectancy (default: 85)"),
+    currentSavings: z.number().min(0).describe("Current retirement savings in EUR"),
+    desiredMonthlyIncome: z.number().positive().describe("Desired monthly income in retirement (today's EUR)"),
+    expectedReturn: z.number().optional().describe("Expected annual investment return % (default: 5)"),
+    inflationRate: z.number().optional().describe("Expected annual inflation % (default: 2)"),
+    expectedPension: z.number().min(0).optional().describe("Expected monthly pension (today's EUR)"),
+    currentMonthlySavings: z.number().min(0).optional().describe("Current monthly savings in EUR"),
+}, async (args) => {
+    try {
+        const result = calculateRetirement(args);
+        return { content: [{ type: "text", text: result.summary }] };
+    }
+    catch (e) {
+        return { content: [{ type: "text", text: `Error: ${e.message}` }], isError: true };
+    }
+});
+// --- Tool 5: tax_optimizer ---
+server.tool("tax_optimizer", "French tax analysis and optimization suggestions. Calculates income tax using " +
+    "bareme progressif, quotient familial, PFU on investments, and suggests legal " +
+    "tax optimization strategies (PER, PEA, assurance-vie, etc.). NOT financial advice.", {
+    annualGrossSalary: z.number().min(0).describe("Annual gross salary in EUR"),
+    filingStatus: z
+        .enum(["single", "married", "married_separate", "pacs"])
+        .describe("Filing status"),
+    numberOfChildren: z.number().int().min(0).optional().describe("Number of children"),
+    dependents: z.number().int().min(0).optional().describe("Other dependents"),
+    rentalIncome: z.number().min(0).optional().describe("Annual rental income in EUR"),
+    investmentIncome: z.number().min(0).optional().describe("Annual investment income in EUR"),
+    capitalGains: z.number().min(0).optional().describe("Annual capital gains in EUR"),
+    existingDeductions: z
+        .record(z.string(), z.number())
+        .optional()
+        .describe("Existing deductions as {\"charity\": 500}"),
+    selfEmployed: z.boolean().optional().describe("Whether also self-employed (micro-entrepreneur)"),
+    selfEmploymentRevenue: z.number().min(0).optional().describe("Annual self-employment revenue in EUR"),
+}, async (args) => {
+    try {
+        const result = taxOptimizer(args);
+        return { content: [{ type: "text", text: result.summary }] };
+    }
+    catch (e) {
+        return { content: [{ type: "text", text: `Error: ${e.message}` }], isError: true };
+    }
+});
+// --- Tool 6: inflation_calculator ---
+server.tool("inflation_calculator", "Calculate the real value of money over time accounting for inflation. " +
+    "Shows purchasing power erosion, future equivalent amounts, and scenario comparisons. " +
+    "NOT financial advice.", {
+    amount: z.number().positive().describe("Amount in EUR"),
+    years: z.number().positive().describe("Number of years"),
+    inflationRate: z.number().min(0).optional().describe("Annual inflation rate % (default: 2)"),
+    direction: z
+        .enum(["future", "past"])
+        .optional()
+        .describe("future = what will this buy in N years; past = what was this worth N years ago"),
+    scenarios: z
+        .array(z.number().min(0))
+        .optional()
+        .describe("Additional inflation rates to compare (e.g. [1, 3, 5])"),
+}, async (args) => {
+    try {
+        const result = inflationCalculator(args);
+        return { content: [{ type: "text", text: result.summary }] };
+    }
+    catch (e) {
+        return { content: [{ type: "text", text: `Error: ${e.message}` }], isError: true };
+    }
+});
+// Start server
+async function main() {
+    const transport = new StdioServerTransport();
+    await server.connect(transport);
+}
+main().catch((error) => {
+    console.error("Fatal error:", error);
+    process.exit(1);
+});
+//# sourceMappingURL=index.js.map

package/dist/index.js.map

@@ -0,0 +1 @@
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package/dist/tools/calculate-budget.d.ts

@@ -0,0 +1,28 @@
+export interface BudgetInput {
+    /** Monthly net income */
+    monthlyIncome: number;
+    /** Fixed expenses (rent, utilities, subscriptions, insurance, etc.) */
+    fixedExpenses: Record<string, number>;
+    /** Variable expenses (food, transport, entertainment, etc.) */
+    variableExpenses: Record<string, number>;
+    /** Savings goals (optional) */
+    savingsGoals?: Record<string, number>;
+    /** Currency code for display (default: EUR) */
+    currency?: string;
+}
+export interface BudgetResult {
+    monthlyIncome: number;
+    totalFixedExpenses: number;
+    totalVariableExpenses: number;
+    totalExpenses: number;
+    totalSavingsGoals: number;
+    remainingAfterExpenses: number;
+    remainingAfterSavings: number;
+    savingsRate: number;
+    savingsRateAfterGoals: number;
+    health: "excellent" | "good" | "tight" | "deficit";
+    recommendations: string[];
+    summary: string;
+}
+export declare function calculateBudget(input: BudgetInput): BudgetResult;
+//# sourceMappingURL=calculate-budget.d.ts.map

package/dist/tools/calculate-budget.d.ts.map

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package/dist/tools/calculate-budget.js

@@ -0,0 +1,137 @@
+import { withDisclaimer } from "../disclaimer.js";
+export function calculateBudget(input) {
+    const { monthlyIncome, fixedExpenses, variableExpenses, savingsGoals = {}, currency = "EUR" } = input;
+    if (monthlyIncome <= 0)
+        throw new Error("Monthly income must be positive");
+    const totalFixed = Object.values(fixedExpenses).reduce((a, b) => a + b, 0);
+    const totalVariable = Object.values(variableExpenses).reduce((a, b) => a + b, 0);
+    const totalExpenses = round2(totalFixed + totalVariable);
+    const totalSavingsGoals = Object.values(savingsGoals).reduce((a, b) => a + b, 0);
+    const remainingAfterExpenses = round2(monthlyIncome - totalExpenses);
+    const remainingAfterSavings = round2(remainingAfterExpenses - totalSavingsGoals);
+    const savingsRate = round2((remainingAfterExpenses / monthlyIncome) * 100);
+    const savingsRateAfterGoals = round2((remainingAfterSavings / monthlyIncome) * 100);
+    let health;
+    if (savingsRate >= 30)
+        health = "excellent";
+    else if (savingsRate >= 15)
+        health = "good";
+    else if (savingsRate >= 0)
+        health = "tight";
+    else
+        health = "deficit";
+    const recommendations = generateRecommendations(health, savingsRate, totalFixed, totalVariable, monthlyIncome, fixedExpenses, variableExpenses);
+    const summary = formatBudgetSummary({
+        monthlyIncome,
+        totalFixedExpenses: totalFixed,
+        totalVariableExpenses: totalVariable,
+        totalExpenses,
+        totalSavingsGoals,
+        remainingAfterExpenses,
+        remainingAfterSavings,
+        savingsRate,
+        savingsRateAfterGoals,
+        health,
+        recommendations,
+        summary: "",
+        fixedExpenses,
+        variableExpenses,
+        savingsGoals,
+        currency,
+    });
+    return {
+        monthlyIncome,
+        totalFixedExpenses: round2(totalFixed),
+        totalVariableExpenses: round2(totalVariable),
+        totalExpenses,
+        totalSavingsGoals: round2(totalSavingsGoals),
+        remainingAfterExpenses,
+        remainingAfterSavings,
+        savingsRate,
+        savingsRateAfterGoals,
+        health,
+        recommendations,
+        summary,
+    };
+}
+function round2(n) {
+    return Math.round(n * 100) / 100;
+}
+function generateRecommendations(health, savingsRate, totalFixed, totalVariable, income, fixedExpenses, variableExpenses) {
+    const recs = [];
+    if (health === "deficit") {
+        recs.push("Your expenses exceed your income. Immediate action needed to reduce spending or increase income.");
+    }
+    // 50/30/20 rule check
+    const fixedPct = (totalFixed / income) * 100;
+    const varPct = (totalVariable / income) * 100;
+    if (fixedPct > 50) {
+        recs.push(`Fixed expenses are ${fixedPct.toFixed(0)}% of income (recommended: under 50%). Consider renegotiating rent, insurance, or subscriptions.`);
+    }
+    if (varPct > 30) {
+        recs.push(`Variable expenses are ${varPct.toFixed(0)}% of income (recommended: under 30%). Track daily spending to identify reduction opportunities.`);
+    }
+    if (savingsRate < 20) {
+        recs.push("Target a 20% savings rate. Automate transfers to a savings account on payday.");
+    }
+    // Check for large individual categories
+    for (const [name, amount] of Object.entries({ ...fixedExpenses, ...variableExpenses })) {
+        const pct = (amount / income) * 100;
+        if (pct > 25) {
+            recs.push(`"${name}" alone is ${pct.toFixed(0)}% of income. Consider ways to reduce this expense.`);
+        }
+    }
+    if (savingsRate >= 30) {
+        recs.push("Excellent savings rate! Consider investing surplus funds for long-term growth.");
+    }
+    if (recs.length === 0) {
+        recs.push("Your budget looks balanced. Keep monitoring and adjust as needed.");
+    }
+    return recs;
+}
+function formatBudgetSummary(r) {
+    const fmt = (n) => n.toFixed(2);
+    const healthEmoji = r.health === "excellent" ? "Excellent" :
+        r.health === "good" ? "Good" :
+            r.health === "tight" ? "Tight" : "DEFICIT";
+    const lines = [
+        `## Monthly Budget Analysis`,
+        "",
+        `**Status: ${healthEmoji}** | Savings rate: ${r.savingsRate}%`,
+        "",
+        "### Income",
+        `| Source | Amount (${r.currency}) |`,
+        `|--------|--------|`,
+        `| Net income | ${fmt(r.monthlyIncome)} |`,
+        "",
+        "### Fixed Expenses",
+        `| Category | Amount (${r.currency}) |`,
+        `|----------|--------|`,
+    ];
+    for (const [name, amount] of Object.entries(r.fixedExpenses)) {
+        lines.push(`| ${name} | ${fmt(amount)} |`);
+    }
+    lines.push(`| **Total** | **${fmt(r.totalFixedExpenses)}** |`);
+    lines.push("", "### Variable Expenses");
+    lines.push(`| Category | Amount (${r.currency}) |`);
+    lines.push(`|----------|--------|`);
+    for (const [name, amount] of Object.entries(r.variableExpenses)) {
+        lines.push(`| ${name} | ${fmt(amount)} |`);
+    }
+    lines.push(`| **Total** | **${fmt(r.totalVariableExpenses)}** |`);
+    if (Object.keys(r.savingsGoals).length > 0) {
+        lines.push("", "### Savings Goals");
+        lines.push(`| Goal | Amount (${r.currency}) |`);
+        lines.push(`|------|--------|`);
+        for (const [name, amount] of Object.entries(r.savingsGoals)) {
+            lines.push(`| ${name} | ${fmt(amount)} |`);
+        }
+        lines.push(`| **Total** | **${fmt(r.totalSavingsGoals)}** |`);
+    }
+    lines.push("", "### Summary", `| | Amount (${r.currency}) |`, `|--|--------|`, `| Total expenses | ${fmt(r.totalExpenses)} |`, `| Remaining after expenses | ${fmt(r.remainingAfterExpenses)} |`, `| Savings goals | ${fmt(r.totalSavingsGoals)} |`, `| **Free cash** | **${fmt(r.remainingAfterSavings)}** |`, `| Savings rate | ${r.savingsRate}% |`, "", "### Recommendations");
+    for (const rec of r.recommendations) {
+        lines.push(`- ${rec}`);
+    }
+    return withDisclaimer(lines.join("\n"));
+}
+//# sourceMappingURL=calculate-budget.js.map

package/dist/tools/calculate-budget.js.map

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package/dist/tools/calculate-retirement.d.ts

@@ -0,0 +1,35 @@
+export interface RetirementInput {
+    /** Current age */
+    currentAge: number;
+    /** Target retirement age */
+    retirementAge: number;
+    /** Life expectancy for planning (default: 85) */
+    lifeExpectancy?: number;
+    /** Current savings/investments */
+    currentSavings: number;
+    /** Desired monthly income in retirement (today's euros) */
+    desiredMonthlyIncome: number;
+    /** Expected annual investment return (%) */
+    expectedReturn?: number;
+    /** Expected inflation rate (%) */
+    inflationRate?: number;
+    /** Expected pension from state/employer (monthly, today's euros) */
+    expectedPension?: number;
+    /** Current monthly savings */
+    currentMonthlySavings?: number;
+}
+export interface RetirementResult {
+    yearsToRetirement: number;
+    yearsInRetirement: number;
+    inflationAdjustedMonthlyNeed: number;
+    monthlyGapAfterPension: number;
+    totalNeededAtRetirement: number;
+    projectedSavingsAtRetirement: number;
+    shortfall: number;
+    requiredMonthlySavings: number;
+    currentMonthlySavings: number;
+    onTrack: boolean;
+    summary: string;
+}
+export declare function calculateRetirement(input: RetirementInput): RetirementResult;
+//# sourceMappingURL=calculate-retirement.d.ts.map

package/dist/tools/calculate-retirement.d.ts.map

@@ -0,0 +1 @@
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