{"id":1288516,"recorded_at":"2026-10-30T20:23:30.230978Z","observed_at":"2026-10-30T20:23:30.230841Z","subject_kind":"endpoint","subject":"56e5dbac-cd6d-449a-95e3-1add69d5d615","kind":"mcp.tools","method":"probe.mcp/1","body":{"count":6,"tools":[{"description":"Takes the outstanding balance, months left, current and new rates and a fee and returns both EMIs, the net saving and the break-even months of a balance transfer. 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Example input: {\"netMonthlyIncome\":150000,\"existingEmis\":10000,\"annualRate\":8.5,\"years\":20}","inputSchema":{"$schema":"https://json-schema.org/draft/2020-12/schema","properties":{"annualRate":{"description":"Annual interest rate in percent, for example 8.5","maximum":30,"minimum":0.1,"type":"number"},"existingEmis":{"description":"Total EMIs already paid each month in rupees (default 0)","minimum":0,"type":"number"},"foir":{"description":"Share of income a bank lets all EMIs take, 0.1 to 1 (default 0.5)","maximum":1,"minimum":0.1,"type":"number"},"months":{"description":"Loan tenure in months (6 to 480). Give months or years.","maximum":480,"minimum":6,"type":"integer"},"netMonthlyIncome":{"description":"Net monthly take-home income in rupees","exclusiveMinimum":0,"type":"number"},"years":{"description":"Loan tenure in years (0.5 to 40). 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Give months or years.","maximum":480,"minimum":6,"type":"integer"},"principal":{"description":"Loan amount in rupees","maximum":1000000000,"minimum":100000,"type":"number"},"rateReset":{"description":"A floating-rate change part-way through the loan","properties":{"afterMonth":{"description":"Month after which the new rate applies","maximum":9007199254740991,"minimum":1,"type":"integer"},"mode":{"description":"reduceTenure (default) or reduceEMI","enum":["reduceTenure","reduceEMI"],"type":"string"},"newRate":{"description":"New annual rate in percent","maximum":30,"minimum":0.1,"type":"number"}},"required":["afterMonth","newRate"],"type":"object"},"years":{"description":"Loan tenure in years (0.5 to 40). Give months or years.","maximum":40,"minimum":0.5,"type":"number"}},"required":["principal","annualRate"],"type":"object"},"name":"emi"},{"description":"Takes rent, price, down payment, loan terms and growth assumptions and returns the year-by-year net worth of buying against renting, with the break-even year. Example input: {\"rent\":30000,\"rentGrowth\":5,\"price\":8000000,\"downPayment\":1600000,\"annualRate\":8.5,\"months\":240,\"appreciation\":5,\"investReturn\":10,\"years\":20}","inputSchema":{"$schema":"https://json-schema.org/draft/2020-12/schema","properties":{"annualRate":{"description":"Annual interest rate in percent, for example 8.5","maximum":30,"minimum":0.1,"type":"number"},"appreciation":{"description":"Yearly property price growth in percent","maximum":30,"minimum":-20,"type":"number"},"downPayment":{"description":"Down payment in rupees","minimum":0,"type":"number"},"investReturn":{"description":"Yearly return in percent if the down payment is invested instead","maximum":40,"minimum":0,"type":"number"},"months":{"description":"Loan tenure in months","maximum":480,"minimum":6,"type":"integer"},"price":{"description":"Property price in rupees","exclusiveMinimum":0,"type":"number"},"rent":{"description":"Current monthly rent in rupees","minimum":0,"type":"number"},"rentGrowth":{"description":"Yearly rent increase in percent","maximum":30,"minimum":0,"type":"number"},"years":{"description":"Years to compare over","maximum":40,"minimum":1,"type":"integer"}},"required":["rent","rentGrowth","price","downPayment","annualRate","months","appreciation","investReturn","years"],"type":"object"},"name":"rentVsBuy"},{"description":"Takes a loan amount, annual rate and tenure and returns how the EMI and total interest change when the rate moves up or down by small steps. 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