@thomasgorisse/finance-mcp 1.0.0

package/dist/tools/tax-optimizer.d.ts

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+export interface TaxOptimizerInput {
+    /** Annual gross salary */
+    annualGrossSalary: number;
+    /** Filing status */
+    filingStatus: "single" | "married" | "married_separate" | "pacs";
+    /** Number of children */
+    numberOfChildren?: number;
+    /** Number of dependent persons (other than children) */
+    dependents?: number;
+    /** Annual rental income */
+    rentalIncome?: number;
+    /** Annual investment income (dividends, interest) */
+    investmentIncome?: number;
+    /** Annual capital gains */
+    capitalGains?: number;
+    /** Existing deductions/reductions */
+    existingDeductions?: Record<string, number>;
+    /** Whether self-employed (micro-entrepreneur) */
+    selfEmployed?: boolean;
+    /** Self-employment annual revenue (if applicable) */
+    selfEmploymentRevenue?: number;
+}
+export interface TaxBracketDetail {
+    bracket: string;
+    rate: number;
+    taxableInBracket: number;
+    taxInBracket: number;
+}
+export interface TaxOptimizerResult {
+    /** Number of fiscal parts (quotient familial) */
+    fiscalParts: number;
+    /** Taxable income after standard deduction */
+    taxableIncome: number;
+    /** Income per fiscal part */
+    incomePerPart: number;
+    /** Breakdown by bracket */
+    brackets: TaxBracketDetail[];
+    /** Total income tax */
+    incomeTax: number;
+    /** Social contributions (CSG/CRDS) on investment income */
+    socialContributions: number;
+    /** PFU (flat tax) on investment income if applicable */
+    flatTaxAmount: number;
+    /** Effective tax rate */
+    effectiveTaxRate: number;
+    /** Marginal tax rate */
+    marginalTaxRate: number;
+    /** Optimization suggestions */
+    optimizations: string[];
+    summary: string;
+}
+export declare function taxOptimizer(input: TaxOptimizerInput): TaxOptimizerResult;
+//# sourceMappingURL=tax-optimizer.d.ts.map

package/dist/tools/tax-optimizer.d.ts.map

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package/dist/tools/tax-optimizer.js

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+import { withDisclaimer } from "../disclaimer.js";
+function round2(n) {
+    return Math.round(n * 100) / 100;
+}
+// 2024 French income tax brackets (barème progressif)
+const FR_BRACKETS = [
+    { min: 0, max: 11294, rate: 0 },
+    { min: 11294, max: 28797, rate: 11 },
+    { min: 28797, max: 82341, rate: 30 },
+    { min: 82341, max: 177106, rate: 41 },
+    { min: 177106, max: Infinity, rate: 45 },
+];
+function calculateFiscalParts(status, children, dependents) {
+    let parts = status === "single" || status === "married_separate" ? 1 : 2;
+    // First two children: 0.5 part each, subsequent: 1 part each
+    if (children >= 1)
+        parts += 0.5;
+    if (children >= 2)
+        parts += 0.5;
+    if (children >= 3)
+        parts += children - 2;
+    parts += dependents * 0.5;
+    return parts;
+}
+function computeProgressiveTax(incomePerPart) {
+    const brackets = [];
+    let totalTax = 0;
+    for (const b of FR_BRACKETS) {
+        if (incomePerPart <= b.min)
+            break;
+        const taxableInBracket = round2(Math.min(incomePerPart, b.max) - b.min);
+        const taxInBracket = round2(taxableInBracket * b.rate / 100);
+        totalTax += taxInBracket;
+        brackets.push({
+            bracket: b.max === Infinity ? `${b.min}+` : `${b.min} - ${b.max}`,
+            rate: b.rate,
+            taxableInBracket,
+            taxInBracket,
+        });
+    }
+    return { brackets, tax: round2(totalTax) };
+}
+export function taxOptimizer(input) {
+    const { annualGrossSalary, filingStatus, numberOfChildren = 0, dependents = 0, rentalIncome = 0, investmentIncome = 0, capitalGains = 0, existingDeductions = {}, selfEmployed = false, selfEmploymentRevenue = 0, } = input;
+    if (annualGrossSalary < 0)
+        throw new Error("Salary cannot be negative");
+    // Standard 10% deduction for salary (minimum 495, max 14171)
+    const standardDeduction = Math.min(14171, Math.max(495, annualGrossSalary * 0.1));
+    let taxableIncome = round2(annualGrossSalary - standardDeduction);
+    // Add rental income (micro-foncier: 30% abatement if < 15000)
+    if (rentalIncome > 0) {
+        if (rentalIncome <= 15000) {
+            taxableIncome += round2(rentalIncome * 0.7); // 30% abatement
+        }
+        else {
+            taxableIncome += rentalIncome;
+        }
+    }
+    // Self-employment income (micro-BNC: 34% abatement for services)
+    if (selfEmployed && selfEmploymentRevenue > 0) {
+        taxableIncome += round2(selfEmploymentRevenue * 0.66);
+    }
+    // Apply existing deductions
+    const totalDeductions = Object.values(existingDeductions).reduce((a, b) => a + b, 0);
+    taxableIncome = round2(Math.max(0, taxableIncome - totalDeductions));
+    const fiscalParts = calculateFiscalParts(filingStatus, numberOfChildren, dependents);
+    const incomePerPart = round2(taxableIncome / fiscalParts);
+    const { brackets, tax: taxPerPart } = computeProgressiveTax(incomePerPart);
+    const incomeTax = round2(taxPerPart * fiscalParts);
+    // Investment income: PFU (30% flat tax) = 12.8% IR + 17.2% social
+    const totalInvestmentIncome = investmentIncome + capitalGains;
+    const flatTaxAmount = round2(totalInvestmentIncome * 0.128);
+    const socialContributions = round2(totalInvestmentIncome * 0.172);
+    const totalGross = annualGrossSalary + rentalIncome + investmentIncome + capitalGains + selfEmploymentRevenue;
+    const totalTax = incomeTax + flatTaxAmount + socialContributions;
+    const effectiveTaxRate = totalGross > 0 ? round2((totalTax / totalGross) * 100) : 0;
+    // Find marginal rate
+    const marginalTaxRate = brackets.length > 0 ? brackets[brackets.length - 1].rate : 0;
+    const optimizations = generateOptimizations(input, {
+        taxableIncome,
+        marginalTaxRate,
+        incomeTax,
+        totalInvestmentIncome,
+        fiscalParts,
+    });
+    const summary = formatTaxSummary({
+        fiscalParts,
+        taxableIncome,
+        incomePerPart,
+        brackets,
+        incomeTax,
+        socialContributions,
+        flatTaxAmount,
+        effectiveTaxRate,
+        marginalTaxRate,
+        optimizations,
+        summary: "",
+    });
+    return {
+        fiscalParts,
+        taxableIncome,
+        incomePerPart,
+        brackets,
+        incomeTax,
+        socialContributions,
+        flatTaxAmount,
+        effectiveTaxRate,
+        marginalTaxRate,
+        optimizations,
+        summary,
+    };
+}
+function generateOptimizations(input, computed) {
+    const tips = [];
+    // PER (Plan Epargne Retraite)
+    if (computed.marginalTaxRate >= 30) {
+        const maxPer = Math.min(round2(input.annualGrossSalary * 0.1), 35194);
+        const taxSaving = round2(maxPer * computed.marginalTaxRate / 100);
+        tips.push(`PER (Plan Epargne Retraite): Deduct up to ${maxPer.toFixed(0)} EUR/year. ` +
+            `At your ${computed.marginalTaxRate}% marginal rate, this saves ~${taxSaving.toFixed(0)} EUR in taxes.`);
+    }
+    // PEA for investment income
+    if (computed.totalInvestmentIncome > 1000) {
+        tips.push("PEA (Plan Epargne en Actions): After 5 years, capital gains are exempt from income tax " +
+            "(only 17.2% social contributions vs 30% flat tax). Max 150,000 EUR deposit.");
+    }
+    // Assurance-vie
+    tips.push("Assurance-Vie: After 8 years, enjoy a 4,600 EUR annual tax-free allowance on gains " +
+        "(9,200 EUR for couples). Versatile for savings and estate planning.");
+    // Real estate: LMNP
+    if (input.rentalIncome && input.rentalIncome > 0) {
+        tips.push("LMNP (Loueur Meuble Non Professionnel): Furnished rental with micro-BIC offers " +
+            "50% abatement (vs 30% micro-foncier for unfurnished). Consider switching if applicable.");
+    }
+    // Childcare / employment credits
+    if ((input.numberOfChildren ?? 0) > 0) {
+        tips.push("Tax credits: Childcare expenses (up to 3,500 EUR/child, 50% credit), " +
+            "school expenses (61-183 EUR/child depending on level).");
+    }
+    // Home services
+    tips.push("Emploi a domicile: 50% tax credit on home services (cleaning, tutoring, gardening) " +
+        "up to 12,000 EUR/year (+1,500 per child/dependent).");
+    // Donation
+    if (computed.marginalTaxRate >= 30) {
+        tips.push("Charitable donations: 66% tax reduction (up to 20% of taxable income). " +
+            "Donations to organizations helping people in difficulty: 75% reduction up to 1,000 EUR.");
+    }
+    // Self-employed optimization
+    if (input.selfEmployed && input.selfEmploymentRevenue && input.selfEmploymentRevenue > 0) {
+        if (input.selfEmploymentRevenue > 30000) {
+            tips.push("Consider real regime (regime reel) instead of micro-BNC if your actual expenses " +
+                "exceed the 34% flat abatement. Track expenses to compare.");
+        }
+        tips.push("Micro-entrepreneur: Consider versement liberatoire (flat % on revenue) if your " +
+            "reference fiscal income is below the threshold — may be cheaper than progressive tax.");
+    }
+    // Progressive option for investment income
+    if (computed.totalInvestmentIncome > 0 && computed.marginalTaxRate < 12.8) {
+        tips.push("Option for progressive tax (bareme progressif): Your marginal rate is below 12.8%, " +
+            "so declaring investment income on the progressive scale may save you money vs the 30% flat tax.");
+    }
+    return tips;
+}
+function formatTaxSummary(r) {
+    const fmt = (n) => n.toFixed(2);
+    const lines = [
+        `## French Tax Analysis`,
+        "",
+        `| Parameter | Value |`,
+        `|-----------|-------|`,
+        `| Fiscal parts (quotient familial) | ${r.fiscalParts} |`,
+        `| Taxable income | ${fmt(r.taxableIncome)} EUR |`,
+        `| Income per part | ${fmt(r.incomePerPart)} EUR |`,
+        `| Marginal tax rate | ${r.marginalTaxRate}% |`,
+        `| Effective tax rate | ${r.effectiveTaxRate}% |`,
+        "",
+        "### Tax Brackets (per part)",
+        "",
+        "| Bracket | Rate | Taxable | Tax |",
+        "|---------|------|---------|-----|",
+    ];
+    for (const b of r.brackets) {
+        lines.push(`| ${b.bracket} | ${b.rate}% | ${fmt(b.taxableInBracket)} | ${fmt(b.taxInBracket)} |`);
+    }
+    lines.push("", "### Tax Summary", "", `| Component | Amount |`, `|-----------|--------|`, `| Income tax (bareme progressif) | ${fmt(r.incomeTax)} EUR |`, `| Flat tax on investments (12.8% IR) | ${fmt(r.flatTaxAmount)} EUR |`, `| Social contributions (17.2%) | ${fmt(r.socialContributions)} EUR |`, `| **Total tax** | **${fmt(r.incomeTax + r.flatTaxAmount + r.socialContributions)} EUR** |`, "", "### Optimization Suggestions", "");
+    for (let i = 0; i < r.optimizations.length; i++) {
+        lines.push(`${i + 1}. ${r.optimizations[i]}`);
+    }
+    return withDisclaimer(lines.join("\n"));
+}
+//# sourceMappingURL=tax-optimizer.js.map

package/dist/tools/tax-optimizer.js.map

@@ -0,0 +1 @@
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package/package.json

@@ -0,0 +1,51 @@
+{
+  "name": "@thomasgorisse/finance-mcp",
+  "version": "1.0.0",
+  "description": "Personal finance MCP server — loan simulation, budgeting, investment comparison, retirement planning, tax optimization (FR), and inflation calculator. Not financial advice.",
+  "author": "SceneView Tools",
+  "license": "MIT",
+  "type": "module",
+  "main": "dist/index.js",
+  "bin": {
+    "finance-mcp": "dist/index.js"
+  },
+  "files": [
+    "dist",
+    "LICENSE",
+    "TERMS.md",
+    "PRIVACY.md"
+  ],
+  "scripts": {
+    "build": "tsc",
+    "dev": "tsx src/index.ts",
+    "test": "vitest run",
+    "test:watch": "vitest",
+    "test:coverage": "vitest run --coverage",
+    "prepublishOnly": "npm run build && npm run test"
+  },
+  "keywords": [
+    "mcp",
+    "finance",
+    "loan",
+    "budget",
+    "investment",
+    "retirement",
+    "tax",
+    "inflation",
+    "personal-finance",
+    "model-context-protocol"
+  ],
+  "repository": {
+    "type": "git",
+    "url": "https://github.com/mcp-tools-lab/finance-mcp.git"
+  },
+  "dependencies": {
+    "@modelcontextprotocol/sdk": "^1.12.1"
+  },
+  "devDependencies": {
+    "@types/node": "^25.5.0",
+    "tsx": "^4.19.0",
+    "typescript": "^5.7.0",
+    "vitest": "^3.0.0"
+  }
+}