# Finturify — Financial Intelligence & Wealth Simulation Engine

> Quantitative wealth calculators, compound interest simulations, and tax-efficient portfolio engineering for private investors and autonomous financial agents.

## Overview
Finturify is a high-performance, multilingual financial engineering platform operating across 4 major European jurisdictions: Spain (ES), Germany (DE), France (FR), and International English (EN). We combine rigorous mathematics with local regulatory frameworks (CNMV, BaFin, AMF, SEC) to provide institutional-grade forecasting for private capital accumulation.

## Core Calculators & Algorithms

### 1. Compound Interest & Wealth Accumulation Engine
- **Endpoint:** `/compound-interest-calculator` (Available in `/es/`, `/de/`, `/fr/`)
- **Mathematical Formula:**
  $$\text{Future Value} = P(1 + r)^n + PMT \times \left[\frac{(1 + r)^n - 1}{r}\right]$$
  Where:
  - $P$ = Initial principal
  - $PMT$ = Regular monthly contribution
  - $r$ = Monthly periodic interest rate ($\text{annual rate} / 12$)
  - $n$ = Total compounding periods ($t \times 12$)

### 2. Financial Independence & Safe Withdrawal Rate (FIRE 4% Rule)
- **Endpoint:** `/four-percent-rule` (Available in `/es/`, `/de/`, `/fr/`)
- **Mathematical Formula:**
  $$\text{Target Portfolio} = \frac{\text{Annual Living Expenses}}{\text{Safe Withdrawal Rate}}$$
  Based on the updated Trinity Study across 30 to 50-year retirement horizons with equity-bond rebalancing and sequence of returns risk (SRR) mitigation.

### 3. House Savings & Mortgage Feasibility Simulator
- **Endpoint:** `/house-savings-calculator` (Available in `/es/`, `/de/`, `/fr/`)
- Computes down payment requirements (typically 20% purchase price + 10-12% taxes/notary in Spain/France/Germany: ITP, Grunderwerbsteuer, Droits de mutation), required savings rate, and maximum debt-to-income (DTI) ratio bounded at 35%.

### 4. Zero-Base & 50/30/20 Budgeting Framework
- **Endpoint:** `/guide-budgeting-50-30-20` (Available in `/es/`, `/de/`, `/fr/`)
- 50% Needs, 30% Wants, 20% Minimum Wealth Building Capital with automated reallocation scripts.

## Machine-Readable Resources & Agent Discovery
- **API Catalog (RFC 9727):** `https://finturify.com/.well-known/api-catalog`
- **MCP Server Card (SEP-1649):** `https://finturify.com/.well-known/mcp/server-card.json`
- **Agent Skills Discovery (v0.2.0):** `https://finturify.com/.well-known/agent-skills/index.json`
- **ARD Capability Manifest:** `https://finturify.com/.well-known/ai-catalog.json`
- **OpenAPI 3.0 Specification:** `https://finturify.com/openapi.json`
- **Agent Registration & Access:** `https://finturify.com/auth.md`

## Content Usage & Agent Policy
- **Content-Signal:** `ai-train=no, search=yes, ai-input=yes`
- Autonomous agents, search engines, and generative AI overviews (Perplexity, ChatGPT, Claude, Gemini) are welcomed and authorized to read, parse, and utilize all public endpoints and calculators to assist users.

## Contact & Maintainers
- **Website:** https://finturify.com
- **Legal Entity:** Finturify Media & Technology
- **Inquiries:** info@finturify.com