v0.2.0

What's new / 新增内容

Two new tools (five total), still zero runtime dependencies and pure arithmetic:

• cashflow_analysis — NPV at a discount rate, IRR found by bisection, and simple + discounted payback periods for an arbitrary cash-flow series. Flows with no sign change or multiple sign changes are reported explicitly (irr_note / multiple_irr_possible) instead of fabricating a rate. Anchored against the Excel IRR documentation example (8.663095%).
• retirement_plan — safe-withdrawal math: time to exhaustion for a fixed monthly withdrawal (with never-deplete detection at or below interest-only), or the sustainable monthly withdrawal that depletes the balance exactly at a horizon (PMT closed form — cross-checked against the loan_payment mortgage-table anchor). With both inputs, reports whether the withdrawal lasts the horizon (lasts_horizon).

新工具： cashflow_analysis（净现值/内部收益率/回收期，符号异常时如实报告不编造）与 retirement_plan（提款耗尽时间/可持续提款额/4% 法则一族，PMT 闭式与贷款月供交叉校验）。

Install / 安装

dsh plugin --profile web add github:TYEclipse/dsh-finance

46 new tests (81 total), all external-anchor verified. 46 个新测试（共 81），全部外部锚点验证。

v0.1.0

dsh-finance v0.1.0

金融数学工具箱 Financial math toolbox — 首发版本（历史发布补账 / historical release backfill）。

工具 Tools

• loan_payment — 等额本息月供（PMT）+ 摊销表 + 提前还款影响
• compound_growth — 复利终值 + 定投（日/月/季/半年/年/连续复利）
• rate_convert — 名义 ↔ 有效利率（含连续复利）

安装 Install

dsh plugin --profile <name> add github:TYEclipse/dsh-finance

零运行时依赖（zero runtime dependencies，纯算术）。