Algorithmic Credit Risk & Neural Financial Intelligence

// Add to Claude Desktop claude_desktop_config.json or .cursor/mcp.json
{
  "mcpServers": {
    "finengine": {
      "command": "npx",
      "args": ["-y", "@finengine/mcp-server"]
    }
  }
}

{
  "type": "function",
  "function": {
    "name": "calculate_loan_amortization",
    "description": "Deterministic loan calculation for repayment schedules, EMI, and interest.",
    "parameters": {
      "type": "object",
      "properties": {
        "principal": { "type": "number", "description": "Loan principal (e.g. 50000)" },
        "annual_rate": { "type": "number", "description": "Annual interest rate as decimal (e.g. 0.09 for 9%)" },
        "tenure_months": { "type": "integer", "description": "Tenure duration in months (e.g. 12, 24, 36)" }
      },
      "required": ["principal", "annual_rate", "tenure_months"]
    }
  }
}

from langchain.tools import tool
from finengine.math import calculate_amortization, calculate_xirr

@tool
def finengine_amortize(principal: float, annual_rate: float, tenure_months: int) -> dict:
    """Deterministic loan amortization and repayment schedule generator."""
    schedule = calculate_amortization(principal=principal, annual_rate=annual_rate, tenure_months=tenure_months)
    return {
        "monthly_payment": schedule.monthly_payment,
        "total_interest": schedule.total_interest,
        "total_payable": schedule.total_payable,
    }

/**
 * In Google Sheets: Extensions -> Apps Script -> Paste this script
 * Usage in cells: =FINENGINE_EMI(500000, 9%, 36)
 */
function FINENGINE_EMI(principal, annualRate, tenureMonths) {
  var p = Number(principal);
  var r = Number(annualRate) > 1 ? Number(annualRate) / 100 / 12 : Number(annualRate) / 12;
  var n = Number(tenureMonths);
  if (p <= 0 || n <= 0) return 0;
  var emi = (p * (r * Math.pow(1 + r, n))) / (Math.pow(1 + r, n) - 1);
  return Math.round(emi * 100) / 100;
}