fi-plan-mcp

# Fi-Plan MCP Server

[Fi-Plan](https://www.fi-plan.in) is a month-by-month financial simulator for
Indian salaries — income, taxes, EMIs, SIPs, and up to 50 years of net worth.

This repository is the public descriptor for the **hosted** Fi-Plan MCP server.
The server itself is not open source; the endpoint below is publicly reachable
and speaks MCP over Streamable HTTP (JSON-RPC 2.0).

## Endpoint

```
https://www.fi-plan.in/mcp
```

## Tools

Anonymous tools (no account required, IP rate limited):

| Tool | What it does |
|---|---|
| `loan_amortization` | Real monthly amortization schedule, with optional prepayments |
| `loan_refinance` | Refinance analysis: old loan vs new loan, break-even |
| `asset_projection` | Projects asset / portfolio growth over a horizon |
| `simulate_plan` | Runs a full year-by-year projection from a `plan_json` payload |

Authenticated tools (your plans, cashflows, loans, assets, net worth) are
available with an API token or OAuth. Create a token at
<https://www.fi-plan.in/profile>.

## Client configuration

The exact format differs per client. Use the one for yours.

**Claude Code** (CLI — recommended):

```bash
claude mcp add --transport http fi-plan https://www.fi-plan.in/mcp
```

**Claude Desktop / Claude apps** — add as a custom connector:

> Settings → Connectors → Add custom connector → URL `https://www.fi-plan.in/mcp`

**Cursor** (`.cursor/mcp.json`):

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

**VS Code** (`.vscode/mcp.json`) — note the `servers` key and the required `type`:

```json
{
  "servers": {
    "fi-plan": {
      "type": "http",
      "url": "https://www.fi-plan.in/mcp"
    }
  }
}
```

**Any client using the `.mcp.json` / `mcpServers` shape** (e.g. Claude Code project
scope) — a `url` entry **must** include `"type": "http"`, or the client treats it
as a stdio server and skips it:

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

### Authenticated (optional)

For account tools, pass a token in a header. Works only in clients that support
custom headers (Cursor, VS Code, Claude Code); the Claude Desktop/apps connector
UI does not take custom headers.

Claude Code:

```bash
claude mcp add --transport http fi-plan https://www.fi-plan.in/mcp \
  --header "Authorization: Bearer fp_your_token_here"
```

Cursor / VS Code / `.mcp.json`:

```json
{
  "mcpServers": {
    "fi-plan": {
      "type": "http",
      "url": "https://www.fi-plan.in/mcp",
      "headers": { "Authorization": "Bearer fp_your_token_here" }
    }
  }
}
```

## Discovery

- Tools list: <https://www.fi-plan.in/api/public/tools>
- OpenAPI: <https://www.fi-plan.in/api/public/openapi.json>
- `llms.txt`: <https://www.fi-plan.in/llms.txt>

## License

The contents of this repository (documentation) are MIT licensed.
The Fi-Plan application and MCP server are proprietary — see
<https://www.fi-plan.in> for terms.