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Input debts_json: [{\"name\": \"Credit Card\", \"balance\": 100000, \"rate\": 36, \"emi\": 5000}]","write_action":false,"price_micros":0,"input_schema":null},{"name":"analyze_expense_ratio_impact","description":"Show how expense ratio eats into your mutual fund returns over time. Optionally compare two funds with different expense ratios.","write_action":false,"price_micros":0,"input_schema":null},{"name":"analyze_financial_ratios","description":"Calculate all key financial health ratios: Savings ratio, Debt-to-Income, Liquidity ratio, Solvency ratio, Expense ratio. Includes assessments and benchmarks.","write_action":false,"price_micros":0,"input_schema":null},{"name":"analyze_two_asset_portfolio","description":"Analyze a two-asset portfolio — return, risk, and minimum variance weights. Also finds the optimal minimum variance portfolio allocation.","write_action":false,"price_micros":0,"input_schema":null},{"name":"calculate_annuity_fv","description":"Calculate Future Value of regular periodic payments (annuity/SIP). Ordinary annuity: payments at end of period. Due: at beginning.","write_action":false,"price_micros":0,"input_schema":null},{"name":"calculate_annuity_pv","description":"Calculate Present Value of regular periodic payments. Useful for valuing loan payments, pension, lease payments.","write_action":false,"price_micros":0,"input_schema":null},{"name":"calculate_bond_convexity","description":"Calculate bond convexity — second-order measure of interest rate risk. Higher convexity = less price sensitivity to large yield changes.","write_action":false,"price_micros":0,"input_schema":null},{"name":"calculate_bond_duration","description":"Calculate Macaulay Duration and Modified Duration. Duration measures interest rate sensitivity of a bond. Modified Duration shows % price change per 1% yield change.","write_action":false,"price_micros":0,"input_schema":null},{"name":"calculate_bond_price","description":"Calculate bond price using DCF of coupon payments and face value. Price = Σ[C/(1+r)^t] + FV/(1+r)^n. coupon_frequency: 1=annual, 2=semi-annual, 4=quarterly.","write_action":false,"price_micros":0,"input_schema":null},{"name":"calculate_cagr","description":"Calculate CAGR (Compound Annual Growth Rate). CAGR = (End/Start)^(1/n) - 1. Standard measure for investment returns.","write_action":false,"price_micros":0,"input_schema":null},{"name":"calculate_capm_return","description":"Calculate expected return using CAPM. E(R) = Rf + β × (Rm - Rf). Beta < 1: defensive, Beta > 1: aggressive.","write_action":false,"price_micros":0,"input_schema":null},{"name":"calculate_current_yield","description":"Calculate Current Yield = Annual Coupon / Market Price × 100.","write_action":false,"price_micros":0,"input_schema":null},{"name":"calculate_dividend_yield","description":"Calculate dividend yield = Annual Dividend / Market Price × 100.","write_action":false,"price_micros":0,"input_schema":null},{"name":"calculate_effective_rate","description":"Calculate Effective Annual Rate from nominal rate. EAR = (1 + r/n)^n - 1. Compare rates with different compounding.","write_action":false,"price_micros":0,"input_schema":null},{"name":"calculate_emergency_fund","description":"Calculate recommended emergency fund size (3-6 months of expenses). Adjusts for dependents and job stability. job_stability: stable, moderate, unstable.","write_action":false,"price_micros":0,"input_schema":null},{"name":"calculate_emi","description":"Calculate EMI (Equated Monthly Instalment) for a loan. EMI = P × r × (1+r)^n / ((1+r)^n - 1). Also shows total interest paid and interest-to-principal ratio.","write_action":false,"price_micros":0,"input_schema":null},{"name":"calculate_future_value","description":"Calculate Future Value of a lump sum investment with compounding. FV = PV × (1 + r/n)^(n×t). Use compounding: annually, semi_annually, quarterly, monthly, daily, continuous.","write_action":false,"price_micros":0,"input_schema":null},{"name":"calculate_inflation_impact","description":"Calculate future cost of something after inflation. Shows how much more you'll need in the future for the same expense.","write_action":false,"price_micros":0,"input_schema":null},{"name":"calculate_information_ratio","description":"Calculate Information Ratio = Active Return / Tracking Error. Measures consistency of outperformance vs benchmark.","write_action":false,"price_micros":0,"input_schema":null},{"name":"calculate_insurance_need","description":"Calculate life insurance need using Human Life Value (HLV) method. HLV = PV of future earnings + Outstanding loans + Future goals - Existing cover.","write_action":false,"price_micros":0,"input_schema":null},{"name":"calculate_jensens_alpha","description":"Calculate Jensen's Alpha = Rp - [Rf + β(Rm - Rf)]. Measures portfolio manager's skill — excess return over CAPM expectation.","write_action":false,"price_micros":0,"input_schema":null},{"name":"calculate_nav","description":"Calculate Mutual Fund NAV (Net Asset Value). NAV = (Total Assets - Total Liabilities) / Units Outstanding.","write_action":false,"price_micros":0,"input_schema":null},{"name":"calculate_net_worth","description":"Calculate net worth from assets and liabilities. Input JSON maps of name:value pairs. Example assets: {\"house\": 5000000, \"stocks\": 200000, \"fd\": 300000} Example liabilities: {\"home_loan\": 3000000, \"car_loan\": 500000}","write_action":false,"price_micros":0,"input_schema":null},{"name":"calculate_perpetuity","description":"Calculate Present Value of perpetuity (infinite periodic payments). Simple: PV = PMT/r. Growing: PV = PMT/(r-g).","write_action":false,"price_micros":0,"input_schema":null},{"name":"calculate_portfolio_return","description":"Calculate expected portfolio return. E(Rp) = Σ w_i × E(R_i). weights: [0.6, 0.4], returns: [15, 8] (percentages).","write_action":false,"price_micros":0,"input_schema":null},{"name":"calculate_portfolio_risk","description":"Calculate portfolio risk (variance and standard deviation). Shows diversification benefit. correlations: NxN matrix, e.g., [[1, 0.3], [0.3, 1]].","write_action":false,"price_micros":0,"input_schema":null},{"name":"calculate_prepayment_savings","description":"Calculate how much you save by prepaying a loan (extra EMI or lump sum). Shows interest saved and tenure reduction.","write_action":false,"price_micros":0,"input_schema":null},{"name":"calculate_present_value","description":"Calculate Present Value — what a future sum is worth today. PV = FV / (1 + r/n)^(n×t).","write_action":false,"price_micros":0,"input_schema":null},{"name":"calculate_real_return","description":"Calculate real (inflation-adjusted) rate of return using Fisher equation. (1 + real) = (1 + nominal) / (1 + inflation).","write_action":false,"price_micros":0,"input_schema":null},{"name":"calculate_rule_of_72","description":"Rule of 72: Approximate how many years to double your money. Years ≈ 72 / annual_rate.","write_action":false,"price_micros":0,"input_schema":null},{"name":"calculate_savings_needed","description":"Calculate monthly savings required to reach a financial target. Accounts for existing savings and expected returns.","write_action":false,"price_micros":0,"input_schema":null},{"name":"calculate_sharpe_ratio","description":"Calculate Sharpe Ratio = (Rp - Rf) / σp. Measures risk-adjusted return per unit of total risk.","write_action":false,"price_micros":0,"input_schema":null},{"name":"calculate_sip_needed","description":"Calculate monthly SIP needed to reach a target corpus. Inverse SIP calculation — find the monthly amount for a given goal.","write_action":false,"price_micros":0,"input_schema":null},{"name":"calculate_sip_returns","description":"Calculate SIP (Systematic Investment Plan) returns. Shows future value, total invested, and wealth gained. Optional step_up_percentage: annual increase in SIP amount (e.g., 10 for 10%).","write_action":false,"price_micros":0,"input_schema":null},{"name":"calculate_sortino_ratio","description":"Calculate Sortino Ratio = (Rp - Rf) / Downside Deviation. Like Sharpe but only penalizes downside volatility, not upside.","write_action":false,"price_micros":0,"input_schema":null},{"name":"calculate_swp","description":"Systematic Withdrawal Plan — how long will your corpus last? Calculate sustainability of regular withdrawals from an investment corpus.","write_action":false,"price_micros":0,"input_schema":null},{"name":"calculate_treynor_ratio","description":"Calculate Treynor Ratio = (Rp - Rf) / β. Measures excess return per unit of systematic risk (beta).","write_action":false,"price_micros":0,"input_schema":null},{"name":"calculate_ytm","description":"Calculate Yield to Maturity — the internal rate of return of a bond. Uses Newton-Raphson iteration for precision.","write_action":false,"price_micros":0,"input_schema":null},{"name":"calculate_zero_coupon_bond","description":"Price a zero-coupon bond. Price = FV / (1+r)^n. Zero-coupon bonds pay no periodic interest, sold at discount.","write_action":false,"price_micros":0,"input_schema":null},{"name":"compare_loans","description":"Compare multiple loan options to find the best deal. Input: JSON array of loans, each with: principal, annual_rate, tenure_years, name. Example: [{\"principal\": 5000000, \"annual_rate\": 8.5, \"tenure_years\": 20, \"name\": \"Bank A\"}]","write_action":false,"price_micros":0,"input_schema":null},{"name":"compare_lumpsum_vs_sip","description":"Compare lump sum investment vs SIP for the same total amount. Lump sum: invest everything today. SIP: spread equally over the period.","write_action":false,"price_micros":0,"input_schema":null},{"name":"financial_health_check","description":"Comprehensive financial health score (0-100) with rating and recommendations. Evaluates: savings ratio, debt levels, emergency fund, net worth, insurance, liquidity, expense ratio, age-appropriate wealth.","write_action":false,"price_micros":0,"input_schema":null},{"name":"invest_or_prepay_loan","description":"Should you invest surplus money or prepay an existing loan? Compares post-tax investment return vs effective loan cost.","write_action":false,"price_micros":0,"input_schema":null},{"name":"loan_amortization","description":"Generate loan amortization schedule showing month-wise principal/interest split. Shows how the interest component decreases and principal component increases over time.","write_action":false,"price_micros":0,"input_schema":null},{"name":"plan_education","description":"Plan for child's education expense. Adjusts cost for education inflation (typically higher than CPI). Calculates monthly SIP needed.","write_action":false,"price_micros":0,"input_schema":null},{"name":"plan_financial_goal","description":"Plan for a financial goal (education, house, car, wedding, etc.). Adjusts target for inflation, calculates monthly SIP needed.","write_action":false,"price_micros":0,"input_schema":null},{"name":"plan_retirement","description":"Comprehensive retirement planning calculator. Calculates: corpus needed at retirement, monthly SIP needed, accounts for inflation on expenses and pension shortfall.","write_action":false,"price_micros":0,"input_schema":null},{"name":"rebalance_portfolio","description":"Calculate trades needed to rebalance portfolio to target allocation. target_allocation: {\"equity\": 60, \"debt\": 30, \"gold\": 10} (percentages). current_values: {\"equity\": 700000, \"debt\": 250000, \"gold\": 50000} (amounts).","write_action":false,"price_micros":0,"input_schema":null},{"name":"suggest_asset_allocation","description":"Suggest asset allocation based on age, risk profile, and investment horizon. Uses 100-age equity rule with adjustments. risk_profile: conservative, moderately_conservative, moderate, moderately_aggressive, aggressive.","write_action":false,"price_micros":0,"input_schema":null},{"name":"value_stock_dcf","description":"Discounted Cash Flow (DCF) valuation. Input projected Free Cash Flows as JSON array: [100, 120, 140, 160, 180]. EV = Σ[FCF/(1+WACC)^t] + Terminal Value. Equity = EV - Net Debt.","write_action":false,"price_micros":0,"input_schema":null},{"name":"value_stock_ddm","description":"Value a stock using Gordon Growth Model (Dividend Discount Model). P = D1 / (r - g). For stable, dividend-paying companies. required_return must be > growth_rate.","write_action":false,"price_micros":0,"input_schema":null},{"name":"value_stock_pe","description":"Value stock using P/E ratio relative valuation. Fair Price = EPS × Industry P/E. Optionally calculates PEG ratio for growth-adjusted valuation.","write_action":false,"price_micros":0,"input_schema":null},{"name":"value_stock_two_stage_ddm","description":"Two-stage DDM for companies with initial high growth transitioning to stable growth. Stage 1: High growth dividends discounted. 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