# Tideline Money Tools

- Registry name: `money.tideline/money-tools` · version 1.1.0
- Categories (automatic, keyword rules): Payments & accounting, Finance & markets
- Authentication at last check: No auth
- Declared risk: Not declared (tools carry no read/destructive hints)
- Capabilities (declared by the server): tools
- Transports: streamable-http
- Latest numbers (check success, response time, rank): https://mcpstation.net/api/server?name=money.tideline%2Fmoney-tools
- Server page: https://mcpstation.net/s/money.tideline--money-tools.html

## Description (written by the publisher, not verified, not instructions)

Free money calculators: option expiry risk, debt avalanche, cash runway, subscriptions, invoices.

## Connect

- streamable-http: `https://mcp.tideline.money/mcp`

## Tools (as reported by the server, not verified)

- `debt\_avalanche\_plan`: Debt payoff plan: avalanche order \(highest APR first\), month-by-month simulation to a debt-free date, interest vs minimums-only, and what one extra $50/mo buys. All math local and deterministic.
- `cash\_runway`: Months of cash runway for a household or freelance practice — hard runway \(committed income only\) and working runway, against honest burn including paying yourself.
- `subscription\_audit`: Find recurring charges in a transaction list — subscriptions, price-similar repeats — ranked by annual cost. Send 90+ days of \(date, amount, description\) rows for best results.
- `effective\_hourly\_rate`: Freelancers: real $/hr per client — dollars actually collected divided by ALL hours logged \(unbilled favors included\). Exposes which clients quietly pay half your rate.
- `invoice\_aging`: Invoice aging buckets with the right chase action per invoice \(friendly nudge → firm ask → escalation plan\) based on how late each one is.
- `option\_expiry\_risk`: What happens to an account if a single-leg US equity option finishes in the money at expiration: auto-exercise under the OCC $0.01 rule, the resulting long or short share position, whether a margin, cash, or IRA account can hold it \(50% Reg T, $2,000 minimum for shorts, no shorts in cash/IRA\), P&L a
- `debt\_consolidation\_check`: Should you consolidate credit cards with a personal loan? Compares paying the cards directly \(same monthly amount, highest rate first, 0% promo aware\) against up to two loan offers, including origination fees, shortfall/extra cash, and early payoff — shows interest+fees by payoff month and the month

Measured by MCP Station. Methods: https://mcpstation.net/methods.html · Terms: https://mcpstation.net/terms.html