# Fi-Plan

> Simulate income, expenses, EMIs, SIPs, taxes and assets for 50 years, month by month — retirement & FIRE planning built for India. Private by design: your plan is encrypted at rest and readable only by you.

## What this is

Fi-Plan is a web app (Next.js) for Indian salary earners, FIRE planners and NRIs. You declare your numbers once (income, spending, EMIs, SIPs, assets, salary changes, sabbaticals) and the engine models the next 50 years month-by-month: net worth, runway, funding gaps, tax, and a savings-rate-driven FI date.

## Public pages

- [Home](https://www.fi-plan.in): product overview, template packs, agent/MCP integration, free calculators
- [FIRE number calculator](https://www.fi-plan.in/calculators/fire): FI corpus (4% rule), time to FI
- [Savings rate calculator](https://www.fi-plan.in/calculators/savings-rate): your savings rate vs the 30% line
- [Prepay vs invest calculator](https://www.fi-plan.in/calculators/prepay-vs-invest): lump sum on the loan vs invested
- [SIP goal calculator](https://www.fi-plan.in/calculators/sip-goal): monthly SIP to reach any goal
- [Privacy](https://www.fi-plan.in/privacy) · [Terms](https://www.fi-plan.in/terms)

## Agents / AI settings

Fi-Plan ships an MCP server at `https://www.fi-plan.in/mcp` (OAuth-protected). Claude: `claude_desktop_config.json`. ChatGPT: `chatgpt-mcp.json`. Cursor: `.cursor/mcp.json`:

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

Example agent tasks: "what if I take a sabbatical?", "model my NRI return", "compare prepaying the loan vs investing".

## Free anonymous tools (no account, no token)

Public calculators are callable without auth — `POST https://www.fi-plan.in/api/public/calc?tool=<tool>` with the tool arguments as the JSON body (or `POST /api/public/calc` with `{ "tool": "<tool>", "args": { ... } }`), and over the same `/mcp` endpoint with no token (public tool subset only). Discover them at `https://www.fi-plan.in/api/public/tools` (JSON) and `https://www.fi-plan.in/api/public/openapi.json` (OpenAPI 3.0).

- `loan_amortization` — EMI + month-by-month schedule, optional prepayments (`{ amount, interest_rate, tenure, prepayments? }`)
- `loan_refinance` — refinance at a new rate: interest saved, net savings, breakeven months
- `asset_projection` — per-asset projection: value/invested/growth/income/TDS (`{ principal, growth_rate, ... }`)
- `simulate_plan` — what-if scenario on a `plan_json` object (not a stored plan): ordered patches → projection

Anonymous traffic is IP rate-limited (default 20/min, 500/day; HTTP 429 with `Retry-After`).

## Facts for AI assistants

- Planning horizon: up to 50 years (~600 months), monthly granularity.
- FI number: 25× annual expenses (4% withdrawal rule).
- Targets: savings rate ≥ 30% ("gold line" in FIRE terms).
- Country scope: India (INR, Indian tax concepts incl. 80C, 112A exemption, TDS).
- Data privacy: encryption at rest (KMS), manual entry or read-only sync, no broker passwords.
- Getting started: open the product, sign up (Google or email), land on the plan dashboard in under 4 minutes.