@thomasgorisse/finance-mcp 1.0.0

package/dist/tools/calculate-retirement.js

@@ -0,0 +1,130 @@
+import { withDisclaimer } from "../disclaimer.js";
+function round2(n) {
+    return Math.round(n * 100) / 100;
+}
+export function calculateRetirement(input) {
+    const { currentAge, retirementAge, lifeExpectancy = 85, currentSavings, desiredMonthlyIncome, expectedReturn = 5, inflationRate = 2, expectedPension = 0, currentMonthlySavings = 0, } = input;
+    if (currentAge >= retirementAge)
+        throw new Error("Current age must be less than retirement age");
+    if (retirementAge >= lifeExpectancy)
+        throw new Error("Retirement age must be less than life expectancy");
+    if (desiredMonthlyIncome <= 0)
+        throw new Error("Desired monthly income must be positive");
+    const yearsToRetirement = retirementAge - currentAge;
+    const yearsInRetirement = lifeExpectancy - retirementAge;
+    // Inflation-adjusted monthly need at retirement
+    const inflationMultiplier = Math.pow(1 + inflationRate / 100, yearsToRetirement);
+    const inflationAdjustedMonthlyNeed = round2(desiredMonthlyIncome * inflationMultiplier);
+    const inflationAdjustedPension = round2(expectedPension * inflationMultiplier);
+    const monthlyGapAfterPension = round2(inflationAdjustedMonthlyNeed - inflationAdjustedPension);
+    // Total needed at retirement (present value of annuity during retirement)
+    // Using real return during retirement
+    const realReturnRetirement = (expectedReturn - inflationRate) / 100;
+    const monthlyRealReturn = realReturnRetirement / 12;
+    let totalNeededAtRetirement;
+    if (monthlyRealReturn === 0) {
+        totalNeededAtRetirement = round2(monthlyGapAfterPension * yearsInRetirement * 12);
+    }
+    else {
+        totalNeededAtRetirement = round2(monthlyGapAfterPension *
+            ((1 - Math.pow(1 + monthlyRealReturn, -(yearsInRetirement * 12))) / monthlyRealReturn));
+    }
+    // Project current savings + contributions to retirement
+    const monthlyReturn = expectedReturn / 100 / 12;
+    let projectedSavings = currentSavings;
+    for (let m = 0; m < yearsToRetirement * 12; m++) {
+        projectedSavings = projectedSavings * (1 + monthlyReturn) + currentMonthlySavings;
+    }
+    projectedSavings = round2(projectedSavings);
+    const shortfall = round2(Math.max(0, totalNeededAtRetirement - projectedSavings));
+    const onTrack = shortfall <= 0;
+    // Required monthly savings to meet goal
+    let requiredMonthlySavings;
+    const targetGrowth = totalNeededAtRetirement - currentSavings * Math.pow(1 + monthlyReturn, yearsToRetirement * 12);
+    if (monthlyReturn === 0) {
+        requiredMonthlySavings = round2(Math.max(0, targetGrowth / (yearsToRetirement * 12)));
+    }
+    else {
+        const fvFactor = (Math.pow(1 + monthlyReturn, yearsToRetirement * 12) - 1) / monthlyReturn;
+        requiredMonthlySavings = round2(Math.max(0, targetGrowth / fvFactor));
+    }
+    const summary = formatRetirementSummary({
+        yearsToRetirement,
+        yearsInRetirement,
+        inflationAdjustedMonthlyNeed,
+        monthlyGapAfterPension,
+        totalNeededAtRetirement,
+        projectedSavingsAtRetirement: projectedSavings,
+        shortfall,
+        requiredMonthlySavings,
+        currentMonthlySavings,
+        onTrack,
+        summary: "",
+        currentAge,
+        retirementAge,
+        lifeExpectancy,
+        expectedReturn,
+        inflationRate,
+        expectedPension,
+        desiredMonthlyIncome,
+        currentSavings,
+    });
+    return {
+        yearsToRetirement,
+        yearsInRetirement,
+        inflationAdjustedMonthlyNeed,
+        monthlyGapAfterPension,
+        totalNeededAtRetirement,
+        projectedSavingsAtRetirement: projectedSavings,
+        shortfall,
+        requiredMonthlySavings,
+        currentMonthlySavings,
+        onTrack,
+        summary,
+    };
+}
+function formatRetirementSummary(r) {
+    const fmt = (n) => n.toLocaleString("en-US", { minimumFractionDigits: 2, maximumFractionDigits: 2 });
+    const status = r.onTrack ? "ON TRACK" : "ACTION NEEDED";
+    const lines = [
+        `## Retirement Planning — ${status}`,
+        "",
+        "### Parameters",
+        `| | Value |`,
+        `|--|-------|`,
+        `| Current age | ${r.currentAge} |`,
+        `| Retirement age | ${r.retirementAge} |`,
+        `| Life expectancy | ${r.lifeExpectancy} |`,
+        `| Years to retirement | ${r.yearsToRetirement} |`,
+        `| Years in retirement | ${r.yearsInRetirement} |`,
+        `| Desired monthly income (today) | ${fmt(r.desiredMonthlyIncome)} EUR |`,
+        `| Expected pension | ${fmt(r.expectedPension)} EUR/month |`,
+        `| Current savings | ${fmt(r.currentSavings)} EUR |`,
+        `| Expected return | ${r.expectedReturn}% |`,
+        `| Inflation | ${r.inflationRate}% |`,
+        "",
+        "### Projections",
+        `| | Value |`,
+        `|--|-------|`,
+        `| Monthly need at retirement (inflation-adjusted) | ${fmt(r.inflationAdjustedMonthlyNeed)} EUR |`,
+        `| Monthly gap after pension | ${fmt(r.monthlyGapAfterPension)} EUR |`,
+        `| Total needed at retirement | ${fmt(r.totalNeededAtRetirement)} EUR |`,
+        `| Projected savings at retirement | ${fmt(r.projectedSavingsAtRetirement)} EUR |`,
+        `| Shortfall | ${fmt(r.shortfall)} EUR |`,
+        "",
+        "### Action Plan",
+        `| | Value |`,
+        `|--|-------|`,
+        `| Current monthly savings | ${fmt(r.currentMonthlySavings)} EUR |`,
+        `| **Required monthly savings** | **${fmt(r.requiredMonthlySavings)} EUR** |`,
+    ];
+    if (!r.onTrack) {
+        const gap = round2(r.requiredMonthlySavings - r.currentMonthlySavings);
+        lines.push("", `You need to save an additional **${fmt(gap)} EUR/month** to reach your retirement goal.`, "", "Consider:", "- Increasing monthly contributions gradually", "- Seeking higher-return investments (with appropriate risk)", "- Adjusting retirement age or income expectations", "- Maximizing employer pension matching");
+    }
+    else {
+        lines.push("", "You are on track to meet your retirement goals. Continue your current savings plan", "and review annually to stay aligned.");
+    }
+    return withDisclaimer(lines.join("\n"));
+}
+//# sourceMappingURL=calculate-retirement.js.map

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

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package/dist/tools/compare-investments.d.ts

@@ -0,0 +1,52 @@
+export interface InvestmentOption {
+    /** Name of the investment (e.g. "Livret A", "S&P 500 ETF", "Real Estate") */
+    name: string;
+    /** Expected annual return as percentage */
+    expectedReturn: number;
+    /** Risk level 1-10 (1 = very safe, 10 = very risky) */
+    riskLevel: number;
+    /** Annual fees/costs as percentage (e.g. 0.2 for 0.2%) */
+    annualFees?: number;
+    /** Whether gains are taxed (for simplified comparison) */
+    taxable?: boolean;
+    /** Liquidity: how easily you can withdraw */
+    liquidity?: "immediate" | "days" | "weeks" | "months" | "years";
+}
+export interface CompareInvestmentsInput {
+    /** Initial investment amount */
+    initialAmount: number;
+    /** Monthly contribution */
+    monthlyContribution?: number;
+    /** Investment horizon in years */
+    horizonYears: number;
+    /** Annual inflation rate for real return calc (default: 2%) */
+    inflationRate?: number;
+    /** Investment options to compare */
+    options: InvestmentOption[];
+    /** French flat tax rate (default: 30% PFU) */
+    taxRate?: number;
+}
+export interface InvestmentProjection {
+    name: string;
+    nominalValue: number;
+    realValue: number;
+    totalContributed: number;
+    nominalGain: number;
+    realGain: number;
+    netAfterTax: number;
+    effectiveAnnualReturn: number;
+    riskLevel: number;
+    liquidity: string;
+}
+export interface CompareInvestmentsResult {
+    horizonYears: number;
+    initialAmount: number;
+    monthlyContribution: number;
+    inflationRate: number;
+    projections: InvestmentProjection[];
+    bestNominal: string;
+    bestRiskAdjusted: string;
+    summary: string;
+}
+export declare function compareInvestments(input: CompareInvestmentsInput): CompareInvestmentsResult;
+//# sourceMappingURL=compare-investments.d.ts.map

package/dist/tools/compare-investments.d.ts.map

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package/dist/tools/compare-investments.js

@@ -0,0 +1,94 @@
+import { withDisclaimer } from "../disclaimer.js";
+function round2(n) {
+    return Math.round(n * 100) / 100;
+}
+export function compareInvestments(input) {
+    const { initialAmount, monthlyContribution = 0, horizonYears, inflationRate = 2, options, taxRate = 30, } = input;
+    if (initialAmount < 0)
+        throw new Error("Initial amount cannot be negative");
+    if (horizonYears <= 0)
+        throw new Error("Horizon must be positive");
+    if (options.length === 0)
+        throw new Error("At least one investment option required");
+    const totalContributed = round2(initialAmount + monthlyContribution * 12 * horizonYears);
+    const projections = [];
+    for (const opt of options) {
+        const netReturn = (opt.expectedReturn - (opt.annualFees || 0)) / 100;
+        const monthlyReturn = netReturn / 12;
+        const monthlyInflation = inflationRate / 100 / 12;
+        // Compound with monthly contributions
+        let nominalValue = initialAmount;
+        for (let m = 0; m < horizonYears * 12; m++) {
+            nominalValue = nominalValue * (1 + monthlyReturn) + monthlyContribution;
+        }
+        nominalValue = round2(nominalValue);
+        // Real value adjusted for inflation
+        const realValue = round2(nominalValue / Math.pow(1 + inflationRate / 100, horizonYears));
+        const nominalGain = round2(nominalValue - totalContributed);
+        const realGain = round2(realValue - totalContributed);
+        // Tax on gains (simplified: French PFU flat tax)
+        const taxOnGains = opt.taxable !== false ? round2(Math.max(0, nominalGain) * taxRate / 100) : 0;
+        const netAfterTax = round2(nominalValue - taxOnGains);
+        const effectiveAnnualReturn = round2((Math.pow(nominalValue / (totalContributed || 1), 1 / horizonYears) - 1) * 100);
+        projections.push({
+            name: opt.name,
+            nominalValue,
+            realValue,
+            totalContributed,
+            nominalGain,
+            realGain,
+            netAfterTax,
+            effectiveAnnualReturn,
+            riskLevel: opt.riskLevel,
+            liquidity: opt.liquidity || "unknown",
+        });
+    }
+    // Sort by nominal value descending
+    projections.sort((a, b) => b.nominalValue - a.nominalValue);
+    const bestNominal = projections[0].name;
+    // Risk-adjusted: return / risk
+    const bestRA = [...projections].sort((a, b) => b.effectiveAnnualReturn / b.riskLevel - a.effectiveAnnualReturn / a.riskLevel)[0].name;
+    const summary = formatComparisonSummary({
+        horizonYears,
+        initialAmount,
+        monthlyContribution,
+        inflationRate,
+        projections,
+        bestNominal,
+        bestRiskAdjusted: bestRA,
+    });
+    return {
+        horizonYears,
+        initialAmount,
+        monthlyContribution,
+        inflationRate,
+        projections,
+        bestNominal,
+        bestRiskAdjusted: bestRA,
+        summary,
+    };
+}
+function formatComparisonSummary(r) {
+    const fmt = (n) => n.toLocaleString("en-US", { minimumFractionDigits: 2, maximumFractionDigits: 2 });
+    const lines = [
+        `## Investment Comparison`,
+        "",
+        `| Parameter | Value |`,
+        `|-----------|-------|`,
+        `| Initial investment | ${fmt(r.initialAmount)} EUR |`,
+        `| Monthly contribution | ${fmt(r.monthlyContribution)} EUR |`,
+        `| Horizon | ${r.horizonYears} years |`,
+        `| Assumed inflation | ${r.inflationRate}% |`,
+        "",
+        `### Projections`,
+        "",
+        `| Investment | Nominal Value | Real Value | Net After Tax | Gain | Risk | Liquidity |`,
+        `|------------|--------------|------------|---------------|------|------|-----------|`,
+    ];
+    for (const p of r.projections) {
+        lines.push(`| ${p.name} | ${fmt(p.nominalValue)} | ${fmt(p.realValue)} | ${fmt(p.netAfterTax)} | ${fmt(p.nominalGain)} | ${p.riskLevel}/10 | ${p.liquidity} |`);
+    }
+    lines.push("", `### Verdict`, `- **Best nominal return:** ${r.bestNominal}`, `- **Best risk-adjusted return:** ${r.bestRiskAdjusted}`, "", "Note: Past performance does not guarantee future results. Risk levels are indicative.");
+    return withDisclaimer(lines.join("\n"));
+}
+//# sourceMappingURL=compare-investments.js.map

package/dist/tools/compare-investments.js.map

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package/dist/tools/inflation-calculator.d.ts

@@ -0,0 +1,34 @@
+export interface InflationInput {
+    /** Amount in today's money */
+    amount: number;
+    /** Number of years */
+    years: number;
+    /** Annual inflation rate as percentage (default: 2%) */
+    inflationRate?: number;
+    /** Direction: "future" = what will this amount buy in N years, "past" = what was this worth N years ago */
+    direction?: "future" | "past";
+    /** Optional: compare multiple inflation scenarios */
+    scenarios?: number[];
+}
+export interface InflationScenario {
+    inflationRate: number;
+    futureNominal: number;
+    realPurchasingPower: number;
+    purchasingPowerLoss: number;
+    purchasingPowerLossPercent: number;
+}
+export interface InflationResult {
+    amount: number;
+    years: number;
+    direction: string;
+    baseInflationRate: number;
+    scenarios: InflationScenario[];
+    yearByYear: {
+        year: number;
+        purchasingPower: number;
+        cumulativeLoss: number;
+    }[];
+    summary: string;
+}
+export declare function inflationCalculator(input: InflationInput): InflationResult;
+//# sourceMappingURL=inflation-calculator.d.ts.map

package/dist/tools/inflation-calculator.d.ts.map

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package/dist/tools/inflation-calculator.js

@@ -0,0 +1,116 @@
+import { withDisclaimer } from "../disclaimer.js";
+function round2(n) {
+    return Math.round(n * 100) / 100;
+}
+export function inflationCalculator(input) {
+    const { amount, years, inflationRate = 2, direction = "future", scenarios: extraScenarios = [], } = input;
+    if (amount <= 0)
+        throw new Error("Amount must be positive");
+    if (years <= 0)
+        throw new Error("Years must be positive");
+    if (inflationRate < 0)
+        throw new Error("Inflation rate cannot be negative");
+    const allRates = [inflationRate, ...extraScenarios.filter((r) => r !== inflationRate)];
+    const scenarioResults = [];
+    for (const rate of allRates) {
+        if (direction === "future") {
+            // What you need in the future to have the same purchasing power
+            const futureNominal = round2(amount * Math.pow(1 + rate / 100, years));
+            const realPurchasingPower = round2(amount / Math.pow(1 + rate / 100, years));
+            const purchasingPowerLoss = round2(amount - realPurchasingPower);
+            const purchasingPowerLossPercent = round2((purchasingPowerLoss / amount) * 100);
+            scenarioResults.push({
+                inflationRate: rate,
+                futureNominal,
+                realPurchasingPower,
+                purchasingPowerLoss,
+                purchasingPowerLossPercent,
+            });
+        }
+        else {
+            // What this amount was worth in the past
+            const futureNominal = amount;
+            const realPurchasingPower = round2(amount * Math.pow(1 + rate / 100, years));
+            const purchasingPowerLoss = round2(realPurchasingPower - amount);
+            const purchasingPowerLossPercent = round2((purchasingPowerLoss / realPurchasingPower) * 100);
+            scenarioResults.push({
+                inflationRate: rate,
+                futureNominal,
+                realPurchasingPower,
+                purchasingPowerLoss,
+                purchasingPowerLossPercent,
+            });
+        }
+    }
+    // Year-by-year for base rate
+    const yearByYear = [];
+    for (let y = 1; y <= Math.min(years, 50); y++) {
+        const pp = round2(amount / Math.pow(1 + inflationRate / 100, y));
+        yearByYear.push({
+            year: y,
+            purchasingPower: pp,
+            cumulativeLoss: round2(amount - pp),
+        });
+    }
+    const summary = formatInflationSummary({
+        amount,
+        years,
+        direction,
+        baseInflationRate: inflationRate,
+        scenarios: scenarioResults,
+        yearByYear,
+    });
+    return {
+        amount,
+        years,
+        direction,
+        baseInflationRate: inflationRate,
+        scenarios: scenarioResults,
+        yearByYear,
+        summary,
+    };
+}
+function formatInflationSummary(r) {
+    const fmt = (n) => n.toLocaleString("en-US", { minimumFractionDigits: 2, maximumFractionDigits: 2 });
+    const dirLabel = r.direction === "future" ? "Future Impact" : "Historical Comparison";
+    const lines = [
+        `## Inflation Calculator — ${dirLabel}`,
+        "",
+        `| Parameter | Value |`,
+        `|-----------|-------|`,
+        `| Amount | ${fmt(r.amount)} EUR |`,
+        `| Period | ${r.years} years |`,
+        `| Direction | ${r.direction} |`,
+        "",
+    ];
+    if (r.scenarios.length > 1) {
+        lines.push("### Scenario Comparison", "");
+        lines.push("| Inflation Rate | Purchasing Power | Loss | Loss % |");
+        lines.push("|---------------|-----------------|------|--------|");
+        for (const s of r.scenarios) {
+            lines.push(`| ${s.inflationRate}% | ${fmt(s.realPurchasingPower)} EUR | ${fmt(s.purchasingPowerLoss)} EUR | ${s.purchasingPowerLossPercent}% |`);
+        }
+    }
+    else {
+        const s = r.scenarios[0];
+        if (r.direction === "future") {
+            lines.push(`At **${s.inflationRate}%** annual inflation over **${r.years} years**:`, "", `- **${fmt(r.amount)} EUR today** will only buy what **${fmt(s.realPurchasingPower)} EUR** buys today`, `- You would need **${fmt(s.futureNominal)} EUR** in ${r.years} years to maintain the same purchasing power`, `- Purchasing power loss: **${fmt(s.purchasingPowerLoss)} EUR** (${s.purchasingPowerLossPercent}%)`);
+        }
+        else {
+            lines.push(`At **${s.inflationRate}%** annual inflation over **${r.years} years**:`, "", `- **${fmt(r.amount)} EUR** ${r.years} years ago had the purchasing power of **${fmt(s.realPurchasingPower)} EUR** today`, `- Inflation eroded **${fmt(s.purchasingPowerLoss)} EUR** in value (${s.purchasingPowerLossPercent}%)`);
+        }
+    }
+    // Show abbreviated year-by-year
+    const showYears = r.yearByYear.length <= 10
+        ? r.yearByYear
+        : [...r.yearByYear.slice(0, 5), ...r.yearByYear.slice(-5)];
+    lines.push("", "### Year-by-Year Purchasing Power", "", "| Year | Purchasing Power | Cumulative Loss |", "|------|-----------------|-----------------|");
+    for (const y of showYears) {
+        lines.push(`| ${y.year} | ${fmt(y.purchasingPower)} EUR | ${fmt(y.cumulativeLoss)} EUR |`);
+    }
+    if (r.yearByYear.length > 10) {
+        lines.push("| ... | ... | ... |");
+    }
+    return withDisclaimer(lines.join("\n"));
+}
+//# sourceMappingURL=inflation-calculator.js.map

package/dist/tools/inflation-calculator.js.map

@@ -0,0 +1 @@
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package/dist/tools/simulate-loan.d.ts

@@ -0,0 +1,39 @@
+export interface LoanInput {
+    /** Loan type: mortgage, car, student, personal */
+    type: "mortgage" | "car" | "student" | "personal";
+    /** Principal amount in currency units */
+    principal: number;
+    /** Annual interest rate as percentage (e.g. 3.5 for 3.5%) */
+    annualRate: number;
+    /** Loan term in years */
+    termYears: number;
+    /** Optional: monthly insurance rate as percentage of principal (e.g. 0.03 for 0.03%) */
+    insuranceRate?: number;
+    /** Whether to include full amortization table (default: false, shows first 12 + last 12 rows) */
+    fullTable?: boolean;
+}
+export interface AmortizationRow {
+    month: number;
+    payment: number;
+    principal: number;
+    interest: number;
+    insurance: number;
+    remainingBalance: number;
+}
+export interface LoanResult {
+    type: string;
+    principal: number;
+    annualRate: number;
+    termYears: number;
+    termMonths: number;
+    monthlyPayment: number;
+    monthlyInsurance: number;
+    totalMonthlyPayment: number;
+    totalInterest: number;
+    totalInsurance: number;
+    totalCost: number;
+    amortizationTable: AmortizationRow[];
+    summary: string;
+}
+export declare function simulateLoan(input: LoanInput): LoanResult;
+//# sourceMappingURL=simulate-loan.d.ts.map

package/dist/tools/simulate-loan.d.ts.map

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package/dist/tools/simulate-loan.js

@@ -0,0 +1,106 @@
+import { withDisclaimer } from "../disclaimer.js";
+function round2(n) {
+    return Math.round(n * 100) / 100;
+}
+export function simulateLoan(input) {
+    const { type, principal, annualRate, termYears, insuranceRate = 0, fullTable = false } = input;
+    if (principal <= 0)
+        throw new Error("Principal must be positive");
+    if (annualRate < 0)
+        throw new Error("Annual rate cannot be negative");
+    if (termYears <= 0)
+        throw new Error("Term must be positive");
+    const termMonths = termYears * 12;
+    const monthlyRate = annualRate / 100 / 12;
+    const monthlyInsurance = round2((principal * (insuranceRate / 100)) / 12);
+    let monthlyPayment;
+    if (monthlyRate === 0) {
+        monthlyPayment = round2(principal / termMonths);
+    }
+    else {
+        monthlyPayment = round2((principal * monthlyRate * Math.pow(1 + monthlyRate, termMonths)) /
+            (Math.pow(1 + monthlyRate, termMonths) - 1));
+    }
+    const totalMonthlyPayment = round2(monthlyPayment + monthlyInsurance);
+    const table = [];
+    let balance = principal;
+    let totalInterest = 0;
+    let totalInsurancePaid = 0;
+    for (let month = 1; month <= termMonths; month++) {
+        const interestPortion = round2(balance * monthlyRate);
+        const principalPortion = round2(monthlyPayment - interestPortion);
+        balance = round2(Math.max(0, balance - principalPortion));
+        totalInterest = round2(totalInterest + interestPortion);
+        totalInsurancePaid = round2(totalInsurancePaid + monthlyInsurance);
+        table.push({
+            month,
+            payment: totalMonthlyPayment,
+            principal: principalPortion,
+            interest: interestPortion,
+            insurance: monthlyInsurance,
+            remainingBalance: balance,
+        });
+    }
+    const totalCost = round2(principal + totalInterest + totalInsurancePaid);
+    // For display: show first 12 + last 12 unless fullTable requested
+    let displayTable = table;
+    if (!fullTable && termMonths > 24) {
+        displayTable = [...table.slice(0, 12), ...table.slice(-12)];
+    }
+    const summary = formatLoanSummary({
+        type,
+        principal,
+        annualRate,
+        termYears,
+        termMonths,
+        monthlyPayment,
+        monthlyInsurance,
+        totalMonthlyPayment,
+        totalInterest,
+        totalInsurance: totalInsurancePaid,
+        totalCost,
+        amortizationTable: displayTable,
+    });
+    return {
+        type,
+        principal,
+        annualRate,
+        termYears,
+        termMonths,
+        monthlyPayment,
+        monthlyInsurance,
+        totalMonthlyPayment,
+        totalInterest,
+        totalInsurance: totalInsurancePaid,
+        totalCost,
+        amortizationTable: displayTable,
+        summary,
+    };
+}
+function formatLoanSummary(r) {
+    const lines = [
+        `## Loan Simulation: ${r.type.charAt(0).toUpperCase() + r.type.slice(1)}`,
+        "",
+        `| Parameter | Value |`,
+        `|-----------|-------|`,
+        `| Principal | ${r.principal.toLocaleString("en-US", { style: "currency", currency: "EUR" })} |`,
+        `| Annual rate | ${r.annualRate}% |`,
+        `| Term | ${r.termYears} years (${r.termMonths} months) |`,
+        `| Monthly payment (principal + interest) | ${r.monthlyPayment.toLocaleString("en-US", { style: "currency", currency: "EUR" })} |`,
+        `| Monthly insurance | ${r.monthlyInsurance.toLocaleString("en-US", { style: "currency", currency: "EUR" })} |`,
+        `| **Total monthly payment** | **${r.totalMonthlyPayment.toLocaleString("en-US", { style: "currency", currency: "EUR" })}** |`,
+        `| Total interest paid | ${r.totalInterest.toLocaleString("en-US", { style: "currency", currency: "EUR" })} |`,
+        `| Total insurance paid | ${r.totalInsurance.toLocaleString("en-US", { style: "currency", currency: "EUR" })} |`,
+        `| **Total cost** | **${r.totalCost.toLocaleString("en-US", { style: "currency", currency: "EUR" })}** |`,
+        "",
+        "### Amortization Schedule (excerpt)",
+        "",
+        "| Month | Payment | Principal | Interest | Insurance | Balance |",
+        "|-------|---------|-----------|----------|-----------|---------|",
+    ];
+    for (const row of r.amortizationTable) {
+        lines.push(`| ${row.month} | ${row.payment.toFixed(2)} | ${row.principal.toFixed(2)} | ${row.interest.toFixed(2)} | ${row.insurance.toFixed(2)} | ${row.remainingBalance.toFixed(2)} |`);
+    }
+    return withDisclaimer(lines.join("\n"));
+}
+//# sourceMappingURL=simulate-loan.js.map

package/dist/tools/simulate-loan.js.map

@@ -0,0 +1 @@
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