Financial simulator for Indian salaries: loans, taxes, SIPs and 50-year FIRE plans.
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Pure calculator for one asset (no plan needed): monthly value, invested, growth, income and TDS over duration months. Pass asset parameters (principal, growth_rate, yield_rate, income_frequency, income_mode, maturity_month, sale_month, sip) — class presets are NOT applied automatically, so pass explicit rates. TDS on FD interest follows the stored rules for the assessment_year. Returns rows plus closing value and totals.
Starting value/principal in rupees.
Annual capital growth rate in percent.
Optional recurring SIP into the asset.
Real-estate rent settings.
Display name for the asset (defaults to 'Asset').
Bucket: s = savings, e = expenses, i = investments (default 'i').
Projection length in months (default 120).
Month the asset is sold.
Annual income/yield rate in percent (interest, dividend, rent).
Asset type; affects default tax treatment (default 'fd').
Compounding mode for growth (default none).
Where income goes: credit (cash) or reinvest.
Month the asset matures; value is released then.
Month the asset is acquired (default 1).
Assessment year for tax rules, e.g. '2025-26' (default: current).
Income payout frequency: m monthly, q quarterly, h half-yearly, y yearly.
Pure calculator for one asset (no plan needed): monthly value, invested, growth, income and TDS over duration months. Pass asset parameters (principal, growth_rate, yield_rate, income_frequency, income_mode, maturity_month, sale_month, sip) — class presets are NOT applied automatically, so pass explicit rates. TDS on FD interest follows the stored rules for the assessment_year. Returns rows plus closing value and totals.
| Argument | Type | Description |
|---|---|---|
| sip | object | Optional recurring SIP into the asset. |
| rent | object | Real-estate rent settings. |
| title | string | Display name for the asset (defaults to 'Asset'). |
| category | string | Bucket: s = savings, e = expenses, i = investments (default 'i'). |
| duration | integer | Projection length in months (default 120). |
| principal* | number | Starting value/principal in rupees. |
| sale_month | integer | Month the asset is sold. |
| yield_rate | number | Annual income/yield rate in percent (interest, dividend, rent). |
| asset_class | string | Asset type; affects default tax treatment (default 'fd'). |
| compounding | string | Compounding mode for growth (default none). |
| growth_rate* | number | Annual capital growth rate in percent. |
| income_mode | string | Where income goes: credit (cash) or reinvest. |
| maturity_month | integer | Month the asset matures; value is released then. |
| purchase_month | integer | Month the asset is acquired (default 1). |
| assessment_year | string | Assessment year for tax rules, e.g. '2025-26' (default: current). |
| income_frequency | string | Income payout frequency: m monthly, q quarterly, h half-yearly, y yearly. |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"principal",
"growth_rate"
],
"properties": {
"sip": {
"type": "object",
"required": [
"amount",
"frequency",
"start_month"
],
"properties": {
"amount": {
"type": "number",
"description": "Instalment amount in rupees.",
"exclusiveMinimum": 0
},
"step_pct": {
"type": "number",
"minimum": 0,
"description": "Percent each instalment steps up by."
},
"end_month": {
"type": "integer",
"minimum": 1,
"description": "Last instalment month."
},
"frequency": {
"enum": [
"m",
"q",
"y"
],
"type": "string",
"description": "Instalment frequency."
},
"start_month": {
"type": "integer",
"minimum": 1,
"description": "First instalment month."
}
},
"description": "Optional recurring SIP into the asset.",
"additionalProperties": false
},
"rent": {
"type": "object",
"required": [
"monthly_rent"
],
"properties": {
"step_pct": {
"type": "number",
"minimum": 0,
"description": "Annual rent escalation percent."
},
"monthly_rent": {
"type": "number",
"description": "Monthly rent in rupees.",
"exclusiveMinimum": 0
},
"expense_ratio": {
"type": "number",
"maximum": 100,
"minimum": 0,
"description": "Share of rent consumed by expenses, percent."
}
},
"description": "Real-estate rent settings.",
"additionalProperties": false
},
"title": {
"type": "string",
"description": "Display name for the asset (defaults to 'Asset')."
},
"category": {
"enum": [
"s",
"e",
"i"
],
"type": "string",
"description": "Bucket: s = savings, e = expenses, i = investments (default 'i')."
},
"duration": {
"type": "integer",
"minimum": 1,
"description": "Projection length in months (default 120)."
},
"principal": {
"type": "number",
"minimum": 0,
"description": "Starting value/principal in rupees."
},
"sale_month": {
"type": "integer",
"minimum": 1,
"description": "Month the asset is sold."
},
"yield_rate": {
"type": "number",
"minimum": 0,
"description": "Annual income/yield rate in percent (interest, dividend, rent)."
},
"asset_class": {
"enum": [
"fd",
"bond",
"savings",
"gold",
"ppf",
"equity",
"equity_foreign",
"mf",
"real_estate",
"vda"
],
"type": "string",
"description": "Asset type; affects default tax treatment (default 'fd')."
},
"compounding": {
"enum": [
"none",
"simple",
"monthly",
"quarterly",
"yearly"
],
"type": "string",
"description": "Compounding mode for growth (default none)."
},
"growth_rate": {
"type": "number",
"minimum": 0,
"description": "Annual capital growth rate in percent."
},
"income_mode": {
"enum": [
"credit",
"reinvest"
],
"type": "string",
"description": "Where income goes: credit (cash) or reinvest."
},
"maturity_month": {
"type": "integer",
"minimum": 1,
"description": "Month the asset matures; value is released then."
},
"purchase_month": {
"type": "integer",
"minimum": 1,
"description": "Month the asset is acquired (default 1)."
},
"assessment_year": {
"type": "string",
"description": "Assessment year for tax rules, e.g. '2025-26' (default: current)."
},
"income_frequency": {
"enum": [
"m",
"q",
"h",
"y"
],
"type": "string",
"description": "Income payout frequency: m monthly, q quarterly, h half-yearly, y yearly."
}
},
"additionalProperties": false
}Pure calculation of EMI and a month-by-month amortization schedule for a loan of amount at annual interest_rate over tenure months. Returns opening/closing balance, interest, principal and running totals per month. Pass optional prepayments to model extra principal payments beyond the EMI (each {start_month, amount, frequency: 'm'|'q'|'y'|null, step_pct?} — null frequency = one-time lump, step_pct = % the amount grows by each recurrence): the EMI stays constant, the loan shortens, and the result becomes { schedule, payoff_month, total_interest_paid, total_prepaid, interest_saved } instead of a plain array. NOTE: here start_month is loan-relative (1 = the loan's first EMI month); on a persisted loan the same fields are plan-absolute months.
| Argument | Type | Description |
|---|---|---|
| amount* | number | Loan principal in rupees (e.g. 1500000 for ₹15,00,000). |
| tenure* | number | Loan tenure in months (e.g. 240 for 20 years). |
| prepayments | array | Optional extra principal payments beyond the EMI: the EMI stays constant and the loan shortens. |
| interest_rate* | number | Annual interest rate in percent (e.g. 8.6). |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"amount",
"interest_rate",
"tenure"
],
"properties": {
"amount": {
"type": "number",
"description": "Loan principal in rupees (e.g. 1500000 for ₹15,00,000)."
},
"tenure": {
"type": "number",
"description": "Loan tenure in months (e.g. 240 for 20 years)."
},
"prepayments": {
"type": "array",
"items": {
"type": "object",
"required": [
"start_month",
"amount"
],
"properties": {
"desc": {
"type": "string",
"description": "Optional label for the prepayment."
},
"amount": {
"type": "number",
"description": "Prepayment amount in rupees.",
"exclusiveMinimum": 0
},
"step_pct": {
"type": "number",
"minimum": 0,
"description": "Percent the prepayment amount grows by each recurrence (step-up)."
},
"frequency": {
"anyOf": [
{
"enum": [
"m",
"q",
"y"
],
"type": "string"
},
{
"type": "null"
}
],
"description": "Recurrence: m = monthly, q = quarterly, y = yearly; null = one-time lump."
},
"start_month": {
"type": "integer",
"minimum": 1,
"description": "Loan-relative month of this payment (1 = the loan's first EMI month)."
},
"step_frequency": {
"anyOf": [
{
"enum": [
"m",
"q",
"y"
],
"type": "string"
},
{
"type": "null"
}
],
"description": "How often step_pct applies (defaults to frequency)."
}
},
"additionalProperties": false
},
"description": "Optional extra principal payments beyond the EMI: the EMI stays constant and the loan shortens."
},
"interest_rate": {
"type": "number",
"description": "Annual interest rate in percent (e.g. 8.6)."
}
},
"additionalProperties": false
}Pure what-if: closes the loan at refinance_month (outstanding balance settled) and restarts it at new_rate over new_tenure months. Returns outstanding balance, old vs new EMI, remaining interest vs new total interest, interest_saved, net_savings (after optional foreclosure_charge) and breakeven_months (null when the new EMI is not lower). Read-only — to persist, update the old loan's end_month and add the new loan.
| Argument | Type | Description |
|---|---|---|
| amount* | number | Outstanding loan principal at refinance_month, in rupees. |
| tenure* | integer | Total tenure of the existing loan in months. |
| new_rate* | number | Annual interest rate of the new loan in percent. |
| new_tenure* | integer | Tenure of the new loan in months. |
| interest_rate* | number | Current annual interest rate in percent. |
| refinance_month* | integer | Loan-relative month the refinance happens (outstanding balance is settled). |
| foreclosure_charge | number |
Applies an ordered list of scenario patches to a DEEP COPY of the plan (never persisted) and returns the resulting snapshot plus applied_patches. Pass plan_id to load the plan server-side (preferred — never paste plan_json); plan_json is accepted for portability. Pass summary=true for the compact view; add milestones=true for long durations to get yearly points + totals instead of every month. Patches support add_income, add_expense, add_cashflow_change, add_loan, update_loan (loan_id plus any of title, principal_amount, interest_rate, start_month, end_month, deposit_to_bank, type, ref_id, prepayments), add_fdp (fdp: { start_month, end_month, s, e, i } with s + e + i = 100 — or the legacy { amount, interest_rate, tenure } fixed-deposit shape) and set_account_balance — nested ({"op":"add_cashflow_change","change":{...}}) and flat ({cashflow_id,value,start_month,...}) forms are both accepted; the op is inferred from the fields.
| Argument | Type | Description |
|---|---|---|
| patches | array | Ordered scenario patches (add_income, add_expense, add_cashflow_change, add_loan, update_loan, add_fdp, set_account_balance). |
| plan_id | string | Load a saved plan by id (authenticated tier only). |
| summary | boolean | Return the compact summary (monthly totals + balances) instead of the full snapshot. |
| duration | number | Projection length in months (public tier caps this). |
| plan_json | object | Inline plan object for anonymous use; bounded to 256 KB. |
| Foreclosure/prepayment penalty in rupees (default 0). |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"amount",
"interest_rate",
"tenure",
"refinance_month",
"new_rate",
"new_tenure"
],
"properties": {
"amount": {
"type": "number",
"description": "Outstanding loan principal at refinance_month, in rupees.",
"exclusiveMinimum": 0
},
"tenure": {
"type": "integer",
"minimum": 1,
"description": "Total tenure of the existing loan in months."
},
"new_rate": {
"type": "number",
"minimum": 0,
"description": "Annual interest rate of the new loan in percent."
},
"new_tenure": {
"type": "integer",
"minimum": 1,
"description": "Tenure of the new loan in months."
},
"interest_rate": {
"type": "number",
"minimum": 0,
"description": "Current annual interest rate in percent."
},
"refinance_month": {
"type": "integer",
"minimum": 1,
"description": "Loan-relative month the refinance happens (outstanding balance is settled)."
},
"foreclosure_charge": {
"type": "number",
"minimum": 0,
"description": "Foreclosure/prepayment penalty in rupees (default 0)."
}
},
"additionalProperties": false
}| milestones | boolean | With summary, return yearly points and totals instead of every month. |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"properties": {
"patches": {
"type": "array",
"items": {
"type": "object",
"additionalProperties": {}
},
"description": "Ordered scenario patches (add_income, add_expense, add_cashflow_change, add_loan, update_loan, add_fdp, set_account_balance)."
},
"plan_id": {
"type": "string",
"description": "Load a saved plan by id (authenticated tier only)."
},
"summary": {
"type": "boolean",
"description": "Return the compact summary (monthly totals + balances) instead of the full snapshot."
},
"duration": {
"type": "number",
"description": "Projection length in months (public tier caps this)."
},
"plan_json": {
"type": "object",
"description": "Inline plan object for anonymous use; bounded to 256 KB.",
"additionalProperties": {}
},
"milestones": {
"type": "boolean",
"description": "With summary, return yearly points and totals instead of every month."
}
},
"additionalProperties": false
}