lit-forge-mcp 0.1.1 → 0.2.0

package/README.md

@@ -1,25 +1,25 @@
 # lit-forge MCP server
 
-[lit-forge.com](https://lit-forge.com) の開発者向けユーティリティを Model Context Protocol（MCP）経由で AI から直接呼び出せるようにする stdio サーバーです。
+[![npm version](https://img.shields.io/npm/v/lit-forge-mcp.svg)](https://www.npmjs.com/package/lit-forge-mcp)
+[![license](https://img.shields.io/npm/l/lit-forge-mcp.svg)](./LICENSE)
+[![node](https://img.shields.io/node/v/lit-forge-mcp.svg)](https://nodejs.org)
+
+[lit-forge.com](https://lit-forge.com) の **個人資産形成プランナー（つみたて NISA・iDeCo）** を Model Context Protocol（MCP）経由で AI から直接呼び出せるようにする stdio サーバーです。
 
 Claude Desktop / Claude Code / Cursor など、MCP に対応した任意の AI クライアントで動作します。
 
-## 提供ツール（10 種）
+> **v0.2.0 で「金融・個人投資家特化」にピボット**しました。旧 dev ユーティリティ 10 ツール（JSON / regex / JWT / Base64 等）は廃止し、NISA / iDeCo / 退職資金プランニング系の 4 ツールに刷新しています。
+
+## 提供ツール（4 種）
 
 | ツール名 | 説明 |
 |---|---|
-| `format_json` | JSON 整形（pretty）/ 圧縮（minify） |
-| `test_regex` | 正規表現マッチ（JavaScript 互換、フラグ指定可、名前付きグループ対応） |
-| `decode_jwt` | JWT を Header / Payload / Signature に分解（exp/nbf/iat の人間可読化と有効期限判定つき） |
-| `convert_base64` | Base64 エンコード/デコード（UTF-8 / URL-safe 対応） |
-| `convert_url` | URL パーセントエンコード/デコード（component / URI 切替） |
-| `generate_hash` | MD5 / SHA-1 / SHA-256 / SHA-384 / SHA-512（hex / base64） |
-| `generate_uuid` | UUID v4 / v7 を最大 100 件まで一括生成 |
-| `convert_timestamp` | Unix 時刻 ⇔ ISO 8601 日時（秒/ミリ秒切替） |
-| `convert_yaml_json` | YAML ⇔ JSON 相互変換（js-yaml） |
-| `describe_cron` | cron 式を人間可読化 + 次回実行時刻を計算（IANA タイムゾーン対応） |
-
-すべて純関数（外部 API 不要・状態を持たない）で動作します。AI が出力した JSON を整形したり、JWT をデバッグしたり、UUID をテストデータとして大量生成したりするのに便利です。
+| `simulate_nisa` | 月の積立額・想定年利・年数から、月次複利で評価額・運用益・年次推移を試算 |
+| `plan_retirement` | 年齢・貯蓄・収入・希望生活費・リスク許容度・年金から、楽観/現実/悲観 3 シナリオで老後資金の充足度を診断 + 必要月額逆算 |
+| `calculate_required_monthly` | 目標金額・現在の貯蓄・年利・年数から、達成に必要な毎月の積立額を逆算 |
+| `calculate_compound_interest` | 元本（一括）と月次積立を月次複利で評価する汎用複利計算ツール |
+
+すべて純関数（外部 API 不要・状態を持たない）。Claude / GPT / Cursor との対話の中で「老後資金大丈夫？」「月いくら積み立てれば？」を即座に試算できます。
 
 ## インストール / 設定
 
@@ -70,17 +70,22 @@ echo '{"jsonrpc":"2.0","id":1,"method":"initialize","params":{"protocolVersion":
 {"jsonrpc":"2.0","id":2,"method":"tools/list"}' | node dist/index.js
 ```
 
-`tools/list` のレスポンスに 10 ツールが並べば成功です。
+`tools/list` のレスポンスに 4 ツールが並べば成功です。
 
 ## 使用例
 
 Claude にこんな依頼ができます:
 
-- 「この JWT をデコードして payload の中身を見せて」
-- 「`name: foo\nlist: [1,2,3]` を JSON にして」
-- 「`0 9 * * 1-5` を日本語で説明して、次の 5 回の実行時刻も Asia/Tokyo で出して」
-- 「テストデータ用に UUID v7 を 20 個生成して」
-- 「`(\\w+)@(\\w+)` でメールアドレスをパースしたいんだけど、`alice@example.com bob@test.jp` で試して」
+- 「私は35歳で月3万を積立中。現在の貯蓄500万、退職65歳、月の希望生活費25万。老後資金足りる？」
+- 「20年で2000万作りたい。今500万あって年利4%なら毎月いくら積み立てればいい？」
+- 「100万円を年利5%で30年複利運用したらいくらになる？」
+- 「月3万円を年利6%で20年積み立てたら？」
+
+## 投資判断の免責
+
+本ツールの試算はすべて月次複利による参考値です。実際の運用結果（市場変動・税金・手数料・為替）を保証するものではありません。個別の金融商品の推奨ではなく、**投資判断はご自身の責任**でお願いします。
+
+公的年金額の概算は厚生年金の標準値ベースです。正確な見込み額は[ねんきんネット](https://www.nenkin.go.jp/n_net/)でご確認ください。
 
 ## ライセンス
 

package/dist/index.js

@@ -1,11 +1,12 @@
 #!/usr/bin/env node
-// lit-forge MCP server エントリポイント。stdio で起動し、10 ツールを登録する。
+// lit-forge MCP server エントリポイント。stdio で起動し、NISA / iDeCo 個人資産形成
+// プランナー系 4 ツールを登録する。
 import { McpServer } from "@modelcontextprotocol/sdk/server/mcp.js";
 import { StdioServerTransport } from "@modelcontextprotocol/sdk/server/stdio.js";
 import { tools } from "./tools/index.js";
 const server = new McpServer({
     name: "lit-forge",
-    version: "0.1.0",
+    version: "0.2.0",
 });
 for (const tool of tools) {
     server.registerTool(tool.name, {

package/dist/index.js.map

@@ -1 +1 @@
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+{"version":3,"file":"index.js","sourceRoot":"","sources":["../src/index.ts"],"names":[],"mappings":";AACA,+DAA+D;AAC/D,qBAAqB;AAErB,OAAO,EAAE,SAAS,EAAE,MAAM,yCAAyC,CAAC;AACpE,OAAO,EAAE,oBAAoB,EAAE,MAAM,2CAA2C,CAAC;AAEjF,OAAO,EAAE,KAAK,EAAE,MAAM,kBAAkB,CAAC;AAEzC,MAAM,MAAM,GAAG,IAAI,SAAS,CAAC;IAC3B,IAAI,EAAE,WAAW;IACjB,OAAO,EAAE,OAAO;CACjB,CAAC,CAAC;AAEH,KAAK,MAAM,IAAI,IAAI,KAAK,EAAE,CAAC;IACzB,MAAM,CAAC,YAAY,CACjB,IAAI,CAAC,IAAI,EACT;QACE,KAAK,EAAE,IAAI,CAAC,KAAK;QACjB,WAAW,EAAE,IAAI,CAAC,WAAW;QAC7B,WAAW,EAAE,IAAI,CAAC,WAAW;KAC9B,EACD,IAAI,CAAC,OAAO,CACb,CAAC;AACJ,CAAC;AAED,KAAK,UAAU,IAAI;IACjB,MAAM,SAAS,GAAG,IAAI,oBAAoB,EAAE,CAAC;IAC7C,MAAM,MAAM,CAAC,OAAO,CAAC,SAAS,CAAC,CAAC;IAChC,OAAO,CAAC,KAAK,CAAC,0CAA0C,KAAK,CAAC,MAAM,SAAS,CAAC,CAAC;AACjF,CAAC;AAED,IAAI,EAAE,CAAC,KAAK,CAAC,CAAC,GAAG,EAAE,EAAE;IACnB,OAAO,CAAC,KAAK,CAAC,cAAc,EAAE,GAAG,CAAC,CAAC;IACnC,OAAO,CAAC,IAAI,CAAC,CAAC,CAAC,CAAC;AAClB,CAAC,CAAC,CAAC"}

package/dist/lib/nisa.d.ts

@@ -0,0 +1,56 @@
+export type NisaYearlyEntry = {
+    year: number;
+    contribution: number;
+    value: number;
+};
+export type NisaResult = {
+    totalContribution: number;
+    finalValue: number;
+    profit: number;
+    yearly: ReadonlyArray<NisaYearlyEntry>;
+};
+export declare function combinedFutureValue(lump: number, monthly: number, monthlyRate: number, months: number): number;
+export declare function simulateNisa(params: {
+    monthly: number;
+    annualRate: number;
+    years: number;
+}): NisaResult | null;
+export type RiskTolerance = "conservative" | "balanced" | "aggressive";
+export declare const SCENARIO_RATES: Record<RiskTolerance, [number, number, number]>;
+export type PlannerProfile = {
+    age: number;
+    currentSavings: number;
+    monthlyContribution: number;
+    retirementAge: number;
+    monthlyRetirementSpend: number;
+    riskTolerance: RiskTolerance;
+    pensionMonthly: number;
+    lifeExpectancy: number;
+};
+export type ScenarioLabel = "悲観" | "現実" | "楽観";
+export type ScenarioResult = {
+    label: ScenarioLabel;
+    annualRate: number;
+    totalContribution: number;
+    finalValue: number;
+    profit: number;
+    yearly: ReadonlyArray<NisaYearlyEntry>;
+};
+export type RetirementGap = {
+    yearsAfterRetirement: number;
+    totalNeeded: number;
+    pensionTotal: number;
+    netNeeded: number;
+    worstCovers: boolean;
+    realCovers: boolean;
+    bestCovers: boolean;
+};
+export type PlannerResult = {
+    profile: PlannerProfile;
+    years: number;
+    scenarios: [ScenarioResult, ScenarioResult, ScenarioResult];
+    retirementGap: RetirementGap;
+    requiredMonthlyForRealScenario: number | null;
+};
+export declare function planRetirement(profile: PlannerProfile): PlannerResult | null;
+export declare const DEFAULT_PROFILE: PlannerProfile;

package/dist/lib/nisa.js

@@ -0,0 +1,163 @@
+// つみたて NISA・iDeCo シミュレーション + 個人資産形成プランナー。
+// 月次複利の積立年金 (annuity-immediate) をベースに、現在貯蓄の一括運用と
+// 月次積立を合算した将来評価額・3 シナリオ比較・老後資金差額・必要月額逆算を扱う。
+// 月次複利での積立年金 (annuity-immediate) 評価額。
+// monthlyRate=0 の場合はゼロ除算回避で単純積み上げ。
+function annuityFutureValue(monthly, monthlyRate, months) {
+    if (months <= 0)
+        return 0;
+    if (monthlyRate === 0)
+        return monthly * months;
+    return (monthly * (Math.pow(1 + monthlyRate, months) - 1)) / monthlyRate;
+}
+// 一括金の月次複利将来価値。
+function lumpFutureValue(lump, monthlyRate, months) {
+    if (months <= 0)
+        return lump;
+    if (monthlyRate === 0)
+        return lump;
+    return lump * Math.pow(1 + monthlyRate, months);
+}
+// 一括 + 月次積立を合算した月次複利将来価値。
+export function combinedFutureValue(lump, monthly, monthlyRate, months) {
+    return lumpFutureValue(lump, monthlyRate, months) +
+        annuityFutureValue(monthly, monthlyRate, months);
+}
+export function simulateNisa(params) {
+    const { monthly, annualRate, years } = params;
+    if (!Number.isFinite(monthly) ||
+        !Number.isFinite(annualRate) ||
+        !Number.isFinite(years)) {
+        return null;
+    }
+    if (monthly < 0 || annualRate < 0 || years < 0)
+        return null;
+    const monthlyRate = annualRate / 100 / 12;
+    const yearly = [];
+    for (let y = 1; y <= years; y++) {
+        const months = y * 12;
+        yearly.push({
+            year: y,
+            contribution: Math.round(monthly * months),
+            value: Math.round(annuityFutureValue(monthly, monthlyRate, months)),
+        });
+    }
+    const totalContribution = Math.round(monthly * years * 12);
+    const finalValue = Math.round(annuityFutureValue(monthly, monthlyRate, years * 12));
+    return {
+        totalContribution,
+        finalValue,
+        profit: finalValue - totalContribution,
+        yearly,
+    };
+}
+// リスク許容度ごとの想定年利。[悲観, 現実, 楽観] の 3 シナリオ。
+// 過去の長期インデックス投資実績（S&P500 / 全世界株式インデックス）を踏まえた保守的な設定値。
+// 投資判断には使えない参考値。
+export const SCENARIO_RATES = {
+    conservative: [1, 3, 5],
+    balanced: [2, 4, 6],
+    aggressive: [3, 5, 8],
+};
+function buildScenario(label, annualRate, profile, years) {
+    const monthlyRate = annualRate / 100 / 12;
+    const months = years * 12;
+    const yearly = [];
+    for (let y = 1; y <= years; y++) {
+        const m = y * 12;
+        yearly.push({
+            year: y,
+            contribution: Math.round(profile.monthlyContribution * m),
+            value: Math.round(combinedFutureValue(profile.currentSavings, profile.monthlyContribution, monthlyRate, m)),
+        });
+    }
+    const totalContribution = Math.round(profile.monthlyContribution * months);
+    const finalValue = Math.round(combinedFutureValue(profile.currentSavings, profile.monthlyContribution, monthlyRate, months));
+    return {
+        label,
+        annualRate,
+        totalContribution,
+        finalValue,
+        profit: finalValue - totalContribution - profile.currentSavings,
+        yearly,
+    };
+}
+// 必要な月額を逆算（一括運用込み）。
+// finalValue = lumpFV + monthly * annuityFactor
+// monthly = (target - lumpFV) / annuityFactor
+// target に届かなければ null（年利が低すぎ or 期間が短すぎ）。
+function solveMonthlyForTarget(target, currentSavings, annualRate, years) {
+    if (years <= 0)
+        return null;
+    const monthlyRate = annualRate / 100 / 12;
+    const months = years * 12;
+    const lumpFV = lumpFutureValue(currentSavings, monthlyRate, months);
+    if (lumpFV >= target)
+        return 0;
+    const remaining = target - lumpFV;
+    const annuityFactor = monthlyRate === 0
+        ? months
+        : (Math.pow(1 + monthlyRate, months) - 1) / monthlyRate;
+    if (annuityFactor <= 0)
+        return null;
+    return Math.ceil(remaining / annuityFactor);
+}
+export function planRetirement(profile) {
+    const fields = [
+        profile.age,
+        profile.currentSavings,
+        profile.monthlyContribution,
+        profile.retirementAge,
+        profile.monthlyRetirementSpend,
+        profile.pensionMonthly,
+        profile.lifeExpectancy,
+    ];
+    if (fields.some((v) => !Number.isFinite(v) || v < 0))
+        return null;
+    if (profile.retirementAge <= profile.age)
+        return null;
+    if (profile.lifeExpectancy <= profile.retirementAge)
+        return null;
+    if (!SCENARIO_RATES[profile.riskTolerance])
+        return null;
+    const years = profile.retirementAge - profile.age;
+    const [worstRate, realRate, bestRate] = SCENARIO_RATES[profile.riskTolerance];
+    const scenarios = [
+        buildScenario("悲観", worstRate, profile, years),
+        buildScenario("現実", realRate, profile, years),
+        buildScenario("楽観", bestRate, profile, years),
+    ];
+    const yearsAfterRetirement = profile.lifeExpectancy - profile.retirementAge;
+    const monthsAfter = yearsAfterRetirement * 12;
+    const totalNeeded = profile.monthlyRetirementSpend * monthsAfter;
+    const pensionTotal = profile.pensionMonthly * monthsAfter;
+    const netNeeded = Math.max(0, totalNeeded - pensionTotal);
+    const requiredMonthlyForRealScenario = solveMonthlyForTarget(netNeeded, profile.currentSavings, realRate, years);
+    return {
+        profile,
+        years,
+        scenarios,
+        retirementGap: {
+            yearsAfterRetirement,
+            totalNeeded: Math.round(totalNeeded),
+            pensionTotal: Math.round(pensionTotal),
+            netNeeded: Math.round(netNeeded),
+            worstCovers: scenarios[0].finalValue >= netNeeded,
+            realCovers: scenarios[1].finalValue >= netNeeded,
+            bestCovers: scenarios[2].finalValue >= netNeeded,
+        },
+        requiredMonthlyForRealScenario,
+    };
+}
+// プランナーのデフォルトプロファイル（UI 初期値）。
+export const DEFAULT_PROFILE = {
+    age: 35,
+    currentSavings: 1_000_000,
+    monthlyContribution: 30_000,
+    retirementAge: 65,
+    monthlyRetirementSpend: 250_000,
+    riskTolerance: "balanced",
+    pensionMonthly: 145_000,
+    lifeExpectancy: 85,
+};
+//# sourceMappingURL=nisa.js.map

package/dist/lib/nisa.js.map

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

@@ -0,0 +1,2 @@
+import { type LitForgeTool } from "./types.js";
+export declare const calculateCompoundInterestTool: LitForgeTool;

package/dist/tools/calculate-compound-interest.js

@@ -0,0 +1,51 @@
+// 一般複利計算: 元本（一括）＋月次積立 を月次複利で評価。
+// NISA に限らず、定期預金 / 投資信託 / 任意の積立計算に使える。
+import { z } from "zod";
+import { combinedFutureValue } from "../lib/nisa.js";
+import { jsonReply } from "./types.js";
+const inputSchema = {
+    principal: z
+        .number()
+        .min(0)
+        .default(0)
+        .describe("一括投入する元本（円）。例: 1000000"),
+    monthlyContribution: z
+        .number()
+        .min(0)
+        .default(0)
+        .describe("毎月の積立額（円）。一括だけなら 0"),
+    annualRate: z
+        .number()
+        .min(0)
+        .max(100)
+        .describe("想定年利（%表記。例: 3 = 3%/年）"),
+    years: z
+        .number()
+        .min(0)
+        .max(60)
+        .describe("運用年数（小数可。例: 0.5 = 半年、10.5 = 10年6ヶ月）"),
+};
+export const calculateCompoundInterestTool = {
+    name: "calculate_compound_interest",
+    title: "複利計算（一括 + 月次積立）",
+    description: "元本（一括）と毎月の積立額を、月次複利で運用したときの将来価値を計算します。NISA に限らず一般の投資・定期預金シミュに使える汎用ツール。",
+    inputSchema,
+    handler: ({ principal, monthlyContribution, annualRate, years }) => {
+        const monthlyRate = annualRate / 100 / 12;
+        const months = years * 12;
+        const futureValue = combinedFutureValue(principal, monthlyContribution, monthlyRate, months);
+        const totalContribution = principal + monthlyContribution * months;
+        const profit = futureValue - totalContribution;
+        return jsonReply({
+            futureValue: Math.round(futureValue),
+            principal,
+            totalMonthlyContribution: Math.round(monthlyContribution * months),
+            totalContribution: Math.round(totalContribution),
+            profit: Math.round(profit),
+            annualRate,
+            years,
+            note: "月次複利。税金・手数料は考慮せず。投資判断は自己責任で。",
+        });
+    },
+};
+//# sourceMappingURL=calculate-compound-interest.js.map

package/dist/tools/calculate-compound-interest.js.map

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

@@ -0,0 +1,2 @@
+import { type LitForgeTool } from "./types.js";
+export declare const calculateRequiredMonthlyTool: LitForgeTool;

package/dist/tools/calculate-required-monthly.js

@@ -0,0 +1,74 @@
+// 目標金額に達するための必要月額を逆算。
+// 一括（現在の貯蓄）の運用と月次積立の組み合わせで月次複利。
+import { z } from "zod";
+import { combinedFutureValue } from "../lib/nisa.js";
+import { errorReply, jsonReply } from "./types.js";
+const inputSchema = {
+    targetAmount: z
+        .number()
+        .min(0)
+        .describe("達成したい目標金額（円）。例: 20000000"),
+    currentSavings: z
+        .number()
+        .min(0)
+        .default(0)
+        .describe("現在の投資資産（円。複利運用される）"),
+    annualRate: z
+        .number()
+        .min(0)
+        .max(100)
+        .describe("想定年利（%表記）"),
+    years: z
+        .number()
+        .int()
+        .min(1)
+        .max(60)
+        .describe("積立期間（年）"),
+};
+// 数値 (整数 円) で返す。target に届かない（年利低 + 期間短 + 一括少）場合 null。
+function solveMonthlyForTarget(target, currentSavings, annualRate, years) {
+    if (years <= 0)
+        return null;
+    const monthlyRate = annualRate / 100 / 12;
+    const months = years * 12;
+    // 一括運用分の将来価値
+    const lumpFV = monthlyRate === 0
+        ? currentSavings
+        : currentSavings * Math.pow(1 + monthlyRate, months);
+    if (lumpFV >= target)
+        return 0;
+    const remaining = target - lumpFV;
+    const annuityFactor = monthlyRate === 0
+        ? months
+        : (Math.pow(1 + monthlyRate, months) - 1) / monthlyRate;
+    if (annuityFactor <= 0)
+        return null;
+    return Math.ceil(remaining / annuityFactor);
+}
+export const calculateRequiredMonthlyTool = {
+    name: "calculate_required_monthly",
+    title: "必要月額逆算",
+    description: "目標金額・現在の貯蓄・想定年利・積立期間から、目標達成に必要な毎月の積立額を逆算します。「N 年後に X 円作るには月いくら積み立てればよいか」の問いに答えるツール。",
+    inputSchema,
+    handler: ({ targetAmount, currentSavings, annualRate, years }) => {
+        const required = solveMonthlyForTarget(targetAmount, currentSavings, annualRate, years);
+        if (required === null) {
+            return errorReply("計算できませんでした（years が 0 以下か、入力が不正の可能性）");
+        }
+        // 検算: その月額で実際に届くか
+        const monthlyRate = annualRate / 100 / 12;
+        const projectedFinal = combinedFutureValue(currentSavings, required, monthlyRate, years * 12);
+        return jsonReply({
+            requiredMonthly: required,
+            targetAmount,
+            currentSavings,
+            annualRate,
+            years,
+            projectedFinal: Math.round(projectedFinal),
+            note: required === 0
+                ? "現在の貯蓄を年利通り運用するだけで目標達成可能（月次積立 0 円で OK）"
+                : "月次複利による参考値。税金・手数料は考慮せず。投資判断は自己責任で。",
+        });
+    },
+};
+//# sourceMappingURL=calculate-required-monthly.js.map

package/dist/tools/calculate-required-monthly.js.map

@@ -0,0 +1 @@
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package/dist/tools/index.js

@@ -1,24 +1,15 @@
 // 全ツールを集約してエクスポート。新しいツール追加時はここに 1 行足す。
-import { formatJson } from "./format-json.js";
-import { testRegex } from "./test-regex.js";
-import { decodeJwt } from "./decode-jwt.js";
-import { convertBase64 } from "./convert-base64.js";
-import { convertUrl } from "./convert-url.js";
-import { generateHash } from "./generate-hash.js";
-import { generateUuid } from "./generate-uuid.js";
-import { convertTimestamp } from "./convert-timestamp.js";
-import { convertYamlJson } from "./convert-yaml-json.js";
-import { describeCron } from "./describe-cron.js";
+//
+// v0.2.0 で「金融・個人投資家特化」にピボット。旧 dev utility 10 ツールを廃止し、
+// つみたて NISA・iDeCo を中心とした資産形成プランナー系 4 ツールに刷新。
+import { simulateNisaTool } from "./simulate-nisa.js";
+import { planRetirementTool } from "./plan-retirement.js";
+import { calculateRequiredMonthlyTool } from "./calculate-required-monthly.js";
+import { calculateCompoundInterestTool } from "./calculate-compound-interest.js";
 export const tools = [
-    formatJson,
-    testRegex,
-    decodeJwt,
-    convertBase64,
-    convertUrl,
-    generateHash,
-    generateUuid,
-    convertTimestamp,
-    convertYamlJson,
-    describeCron,
+    simulateNisaTool,
+    planRetirementTool,
+    calculateRequiredMonthlyTool,
+    calculateCompoundInterestTool,
 ];
 //# sourceMappingURL=index.js.map

package/dist/tools/index.js.map

@@ -1 +1 @@
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package/dist/tools/plan-retirement.d.ts

@@ -0,0 +1,2 @@
+import { type LitForgeTool } from "./types.js";
+export declare const planRetirementTool: LitForgeTool;

package/dist/tools/plan-retirement.js

@@ -0,0 +1,60 @@
+// 個人資産形成プランナー：年齢・貯蓄・希望生活費から
+// 楽観/現実/悲観 3 シナリオ + 老後資金充足度 + 必要月額逆算を返す。
+import { z } from "zod";
+import { planRetirement } from "../lib/nisa.js";
+import { errorReply, jsonReply } from "./types.js";
+const inputSchema = {
+    age: z.number().int().min(0).max(120).describe("現在の年齢"),
+    currentSavings: z
+        .number()
+        .min(0)
+        .default(0)
+        .describe("現在の投資資産（円。預金 + 投資商品の合計）"),
+    monthlyContribution: z
+        .number()
+        .min(0)
+        .describe("毎月の積立額（円）"),
+    retirementAge: z
+        .number()
+        .int()
+        .min(0)
+        .max(120)
+        .describe("退職（積立終了）予定年齢"),
+    monthlyRetirementSpend: z
+        .number()
+        .min(0)
+        .describe("退職後の月間希望生活費（円）"),
+    riskTolerance: z
+        .enum(["conservative", "balanced", "aggressive"])
+        .default("balanced")
+        .describe("リスク許容度。conservative=1-5%, balanced=2-6%, aggressive=3-8% の年利想定"),
+    pensionMonthly: z
+        .number()
+        .min(0)
+        .default(145_000)
+        .describe("受給予定の公的年金月額（円）。デフォルト 145,000 は厚生年金の標準値"),
+    lifeExpectancy: z
+        .number()
+        .int()
+        .min(0)
+        .max(120)
+        .default(85)
+        .describe("想定寿命（年）。日本人平均は 84 前後"),
+};
+export const planRetirementTool = {
+    name: "plan_retirement",
+    title: "個人資産形成プランナー（NISA / iDeCo）",
+    description: "年齢・現在の貯蓄・毎月の積立額・退職予定年齢・退職後の希望生活費・リスク許容度・受給年金から、楽観/現実/悲観 3 シナリオで将来資産と老後資金の充足度を試算。不足する場合は現実シナリオで届く必要月額も自動逆算します。",
+    inputSchema,
+    handler: (args) => {
+        const result = planRetirement(args);
+        if (!result) {
+            return errorReply("入力が不正です。retirementAge > age, lifeExpectancy > retirementAge, 全項目 0 以上の有限値である必要があります");
+        }
+        return jsonReply({
+            ...result,
+            note: "月次複利による参考値。税金（NISA枠超過の譲渡益課税・iDeCo 所得控除等）は別途計算が必要。投資判断は自己責任で。年金額は「ねんきんネット」で正確値を確認推奨。",
+        });
+    },
+};
+//# sourceMappingURL=plan-retirement.js.map

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

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package/dist/tools/simulate-nisa.d.ts

@@ -0,0 +1,2 @@
+import { type LitForgeTool } from "./types.js";
+export declare const simulateNisaTool: LitForgeTool;

package/dist/tools/simulate-nisa.js

@@ -0,0 +1,41 @@
+// つみたて NISA / iDeCo の単純シミュレーション。
+// 毎月一定額を積み立てる年金型として、月次複利で将来評価額を求める。
+import { z } from "zod";
+import { simulateNisa } from "../lib/nisa.js";
+import { errorReply, jsonReply } from "./types.js";
+const inputSchema = {
+    monthly: z
+        .number()
+        .min(0)
+        .describe("毎月の積立額（円）。例: 30000"),
+    annualRate: z
+        .number()
+        .min(0)
+        .max(100)
+        .describe("想定年利（%表記。例: 5 = 5%/年）"),
+    years: z
+        .number()
+        .int()
+        .min(0)
+        .max(60)
+        .describe("積立年数（0〜60）"),
+};
+export const simulateNisaTool = {
+    name: "simulate_nisa",
+    title: "つみたて NISA シミュレーション",
+    description: "毎月の積立額・想定年利・年数から、月次複利で将来評価額・運用益・年次推移を試算します。NISA / iDeCo の単純シミュレーション用。",
+    inputSchema,
+    handler: ({ monthly, annualRate, years }) => {
+        const result = simulateNisa({ monthly, annualRate, years });
+        if (!result)
+            return errorReply("入力が不正です（負値・NaN・Infinity は不可）");
+        return jsonReply({
+            totalContribution: result.totalContribution,
+            finalValue: result.finalValue,
+            profit: result.profit,
+            yearly: result.yearly,
+            note: "月次複利の積立年金（annuity-immediate）として算出。税金・手数料は考慮せず。投資判断は自己責任で。",
+        });
+    },
+};
+//# sourceMappingURL=simulate-nisa.js.map

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

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