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Nivesh

SIP, PPF, EPF, FD/RD, EMI, retirement, gold — Indian finance calculators, all local

Unify Dynamics LLC

Documentation
Tools10read-only
Sign-inNoneno account, no key
Data keptNoneprocessed in memory
PriceFreeoptional Pro limits
StatusLiveMCP + REST
Works withMCP · RESTany agent

Try asking

Real questions, and the tools your agent calls to answer them.

What will a 5000 monthly SIP at 12% become in 15 years?
Tools called
sip_calculator
Grow 5 lakh at 10% for 8 years
Tools called
lumpsum_calculator
PPF maturity value for 1.5 lakh a year for 15 years
Tools called
ppf_calculator
EPF corpus after 25 years on a 40,000 basic salary
Tools called
epf_calculator
FD maturity for 2 lakh at 7% for 3 years
Tools called
fd_rd_calculator
CAGR from 1 lakh to 2.5 lakh in 6 years
Tools called
cagr_calculator
XIRR for these investment cashflows
Tools called
xirr_calculator
EMI for a 40 lakh home loan at 8.5% for 20 years
Tools called
emi_calculator
How much do I need to retire at 55 spending 80,000 a month today?
Tools called
retirement_corpus_calculator
Returns on 10 grams of SGB bought at 5000/gram, now 7200/gram after 5 years
Tools called
gold_sgb_calculator

About

Nivesh bundles Indian personal-finance calculators into one connector, computed locally with no upstream calls. SIP calculator: mutual-fund SIP growth (flat or step-up) via the standard monthly annuity-due formula. Lumpsum calculator: one-time investment growth at chosen compounding. PPF calculator: Public Provident Fund maturity, flagging the 15-year lock-in and ₹1.5 lakh annual limit. EPF calculator: Employees' Provident Fund maturity from contributions and salary growth. FD/RD calculator: fixed or recurring deposit maturity value. CAGR calculator: compound annual growth rate between two values. XIRR calculator: internal rate of return for irregular-dated cashflows via Newton-Raphson. EMI calculator: loan EMI, total interest and a yearly amortization schedule. Retirement corpus calculator: required corpus and the monthly SIP needed to reach it, accounting for inflation. Gold/SGB calculator: physical gold or Sovereign Gold Bond returns including SGB's annual interest. Keyless; nothing stored; illustrative financial calculation, not investment advice.

Sources: Standard published financial formulas, computed locally on the server — no upstream calls

Privacy

The publisher, Unify Dynamics LLC, states that tool inputs are processed in memory and not retained.

Data not collectedNo account, no profile, no stored prompts or results.
Privacy policyTerms

What it can do

10 tools, grouped by job. Every one is read-only or compute-only.

OpenAPI
Growth4 tools
  • Sip calculatorSIP (systematic investment plan) growth using the standard monthly-annuity-due formula, flat or step-up.
  • Lumpsum calculatorOne-time (lumpsum) investment growth at a given compounding frequency.
  • Cagr calculatorCompound annual growth rate between two values over a period.
  • Xirr calculatorInternal rate of return (XIRR) for cashflows on irregular dates, solved by Newton-Raphson.
Savings schemes3 tools
  • Ppf calculatorPublic Provident Fund maturity value (annual-compounding approximation), flagging the 15-year lock-in and the ₹1.5 lakh annual limit.
  • Epf calculatorEmployees' Provident Fund maturity value from employee+employer contributions, with optional annual salary growth.
  • Fd rd calculatorFixed-deposit or recurring-deposit maturity value.
Planning3 tools
  • Emi calculatorLoan EMI, total interest, and a yearly amortization schedule.
  • Retirement corpus calculatorRequired corpus at retirement (inflation-adjusted expenses over a real-return annuity) and the monthly SIP needed to reach it.
  • Gold sgb calculatorPhysical gold or Sovereign Gold Bond returns, including SGB's simple annual interest on the initial value.

Information

PublisherUnify Dynamics LLC
CategoryEveryday life · Money & business
LanguagesEnglish
Built forIndia
CompatibilityAny MCP client · any agent · REST
Version0.1.0
MCP endpointhttps://nivesh.connectorbay.com/mcp
REST APIopenapi.json
SupportGet help · Status
CountryWorldwide

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Documentation

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Nivesh — connector documentation

  • MCP endpoint: https://nivesh.connectorbay.com/mcp
  • REST API: POST https://nivesh.connectorbay.com/v1/tools/{tool_name}, described by the OpenAPI 3.1 spec at https://nivesh.connectorbay.com/openapi.json
  • Transport: Streamable HTTP, stateless, MCP specification 2025-06-18 or later
  • Authentication: none required. An optional Authorization: Bearer <key> raises rate limits.
  • Health: https://nivesh.connectorbay.com/health · Tool schemas: https://nivesh.connectorbay.com/tools.json
  • Publisher: Unify Dynamics LLC · connectorbay.com/nivesh · agent@connectorbay.com

About Nivesh

Nivesh ("investment" in Hindi) is an Indian personal-finance calculator toolkit: ten calculators computed locally with standard published formulas, no upstream calls, no accounts and no tracking.

  • SIP calculator projects mutual-fund SIP growth, flat or step-up, using the standard monthly annuity-due formula.
  • Lumpsum calculator projects one-time investment growth at annual, semi-annual, quarterly or monthly compounding.
  • PPF calculator estimates Public Provident Fund maturity value, flagging the 15-year lock-in and the ₹1.5 lakh annual contribution limit.
  • EPF calculator estimates Employees' Provident Fund maturity from employee and employer contributions, with optional annual salary growth.
  • FD/RD calculator computes fixed-deposit or recurring-deposit maturity value.
  • CAGR calculator computes the compound annual growth rate between two values.
  • XIRR calculator solves the internal rate of return for cashflows on irregular dates (Newton-Raphson).
  • EMI calculator computes a loan's EMI, total interest, and a yearly amortization schedule.
  • Retirement corpus calculator estimates the corpus needed at retirement (inflation-adjusted expenses over a real-return annuity) and the monthly SIP required to reach it.
  • Gold/SGB calculator computes physical gold or Sovereign Gold Bond returns, including SGB's annual interest on the initial investment.

All figures are illustrative — actual returns, and PPF/EPF rates and rules, vary and should be checked against the current official notification.

Built and maintained by Unify Dynamics LLC. Contact: agent@connectorbay.com.

Tools

Growth

sip_calculator — SIP (systematic investment plan) growth using the standard monthly-annuity-due formula, flat or step-up. Use for "what will a 5000 monthly SIP at 12% become in 15 years". Args: monthly_investment, annual_return_pct, years, step_up_pct.

lumpsum_calculator — One-time (lumpsum) investment growth at a given compounding frequency. Use for "grow 5 lakh at 10% for 8 years". Args: principal, annual_return_pct, years, compounding.

cagr_calculator — Compound annual growth rate between two values over a period. Use for "CAGR from 1 lakh to 2.5 lakh in 6 years". Args: initial_value, final_value, years.

xirr_calculator — Internal rate of return (XIRR) for cashflows on irregular dates, solved by Newton-Raphson. Use for "XIRR for these investment cashflows". Args: cashflows.

Savings schemes

ppf_calculator — Public Provident Fund maturity value (annual-compounding approximation), flagging the 15-year lock-in and the ₹1.5 lakh annual limit. Use for "PPF maturity value for 1.5 lakh a year for 15 years". Args: yearly_investment, years, annual_rate_pct.

epf_calculator — Employees' Provident Fund maturity value from employee+employer contributions, with optional annual salary growth. Use for "EPF corpus after 25 years on a 40,000 basic salary". Args: basic_salary, years, employee_contribution_pct, employer_contribution_pct, annual_rate_pct, annual_salary_increment_pct.

fd_rd_calculator — Fixed-deposit or recurring-deposit maturity value. Use for "FD maturity for 2 lakh at 7% for 3 years" or "RD maturity for 5000/month at 6.5% for 2 years". Args: deposit_type, amount, annual_rate_pct, tenure_months, compounding.

Planning

emi_calculator — Loan EMI, total interest, and a yearly amortization schedule. Use for "EMI for a 40 lakh home loan at 8.5% for 20 years". Args: principal, annual_rate_pct, tenure_years.

retirement_corpus_calculator — Required corpus at retirement (inflation-adjusted expenses over a real-return annuity) and the monthly SIP needed to reach it. Use for "how much do I need to retire at 55 spending 80,000 a month today". Args: current_age, retirement_age, monthly_expense_today, inflation_pct, expected_return_pct, post_retirement_return_pct, life_expectancy.

gold_sgb_calculator — Physical gold or Sovereign Gold Bond returns, including SGB's simple annual interest on the initial value. Use for "returns on 10 grams of SGB bought at 5000/gram now at 7200/gram after 5 years". Args: grams, purchase_price_per_gram, current_price_per_gram, years_held, is_sgb, sgb_interest_pct.

Conventions

  • Read-only. Every tool reads public data or computes; nothing is written anywhere and nothing about the user is stored.
  • Result envelope. ok: true with data, or ok: false with a structured error (bad_input, not_found, upstream_error). degraded lists optional sources that were unreachable.
  • Rate limits. Free tier 60 tool calls/minute and 300/day per user (keyed on the user identifier supplied by the host agent, else client IP); Pro keys raise this. Over-limit calls return HTTP 429 with Retry-After. initialize and tools/list are never counted.

Support

agent@connectorbay.com · connectorbay.com/nivesh/support

Privacy policy

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Nivesh — Privacy Policy

Effective 23 September 2026. Unify Dynamics LLC ("we", "us"), Menlo Park, California.

What Nivesh is. Nivesh is a connector (an MCP server and REST API) that AI assistants and personal agents call on your behalf for Indian personal-finance calculations: SIP/lumpsum growth, PPF, EPF, FD/RD, CAGR, XIRR, EMI, retirement corpus, and gold/SGB returns. You interact with your assistant; the assistant sends us only the numbers needed for that one calculation.

What we receive. The arguments of each tool call — amounts, rates, years, ages, cashflow dates and amounts, or gold prices — the technical headers needed to serve the request (an IP address or a client identifier supplied by the assistant, and a Pro API key if you have one), and standard server logs.

Everything is computed on our server and nothing is stored. Every calculation uses standard published financial formulas computed from the numbers you provide; no request is forwarded to any third party, and no query — including any salary, savings, loan or investment figures you enter — is logged in request bodies, recorded, or used to train anything.

What we do not receive or store. We do not receive your conversation with the assistant, your name, PAN, Aadhaar, bank or brokerage account details, or account credentials, and we do not build a financial profile from your queries: each calculation is answered independently and nothing carries over between requests. Rate-limit counters (a client identifier and timestamps) are held in memory for at most 24 hours. Hosting-provider access logs, which contain IP addresses and request paths but not request bodies, are retained for up to 30 days for security and abuse prevention.

Sub-processors. None — every tool is computed locally. Hosting: Vercel (United States regions).

Legal bases and your rights. For users in India, California, the EU/UK and elsewhere, our processing is necessary to provide the service you request through your assistant. Because we store no personal data beyond short-lived logs, requests to access, correct or delete personal data are usually satisfied automatically; you can still contact agent@connectorbay.com and we will respond within 30 days. We do not sell or share personal information and do not use your data to train models.

Children. Nivesh is a general-audience service operated by the adult using the assistant.

Changes. We will post changes here with a new effective date.

Terms of service

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Nivesh — Terms of Service

Effective 23 September 2026. These terms govern use of the Nivesh connector ("the Service") operated by Unify Dynamics LLC ("we", "us").

  1. The Service. Nivesh returns Indian personal-finance calculations — SIP/lumpsum growth, PPF, EPF, FD/RD, CAGR, XIRR, EMI, retirement corpus, and gold/SGB returns — computed with standard published formulas from the numbers you provide. It is accessed through an AI assistant or directly over MCP or HTTP.
  2. Not investment, tax or retirement advice. Nivesh's calculations are illustrative projections based on rates and assumptions you supply, not a recommendation to buy, sell, or hold any investment, and not individualized tax or retirement planning advice. Consult a SEBI-registered investment adviser, a chartered accountant, or a financial planner for advice tailored to your situation.
  3. Rates and rules change. Default PPF and EPF rates, contribution limits, and similar figures reflect the most recently published official rate at build time; the government revises these periodically. Always check the current official notification (epfindia.gov.in, nsiindia.gov.in) before relying on a projection.
  4. Estimates, not guarantees. Actual investment returns, deposit rates, and loan terms vary by product and institution; nothing in the Service guarantees any particular outcome.
  5. Acceptable use. Automated use within the published rate limits is welcome.
  6. Availability. The Service is provided "as is" without warranty. We may change, limit or discontinue it at any time.
  7. Data. Our Privacy Policy describes what we process. In short: your query is answered on our server and nothing is stored.
  8. Pro keys. Optional Pro API keys are issued at our discretion, are personal to the holder and may be revoked for abuse.
  9. Liability. To the fullest extent permitted by law, Unify Dynamics LLC is not liable for any financial loss arising from use of or reliance on the Service. Our total liability is limited to US $100.
  10. Governing law. California law; venue in San Mateo County, California.
  11. Contact. Unify Dynamics LLC · agent@connectorbay.com · https://connectorbay.com/nivesh

Support

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Nivesh support

Email agent@connectorbay.com. We answer within two business days.

When you report a problem, include the question you asked your agent, roughly when, and which agent you used (for example Claude, ChatGPT or Gemini). Never send us passwords, account numbers or ID numbers. Nivesh never asks for them.

Get Nivesh

Free · No sign-in · Read-only

Streamable HTTP, stateless, no authentication. Paste the endpoint into any MCP-capable agent.

https://nivesh.connectorbay.com/mcp
{
  "mcpServers": {
    "nivesh": {
      "type": "http",
      "url": "https://nivesh.connectorbay.com/mcp"
    }
  }
}