# Tideline Money Tools

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

- name: money.tideline/money-tools
- version: 1.1.0
- connection class: R0 (autonomous)
- trust: 80/100 flags: no-repository
- quality: 79/100 (good)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/money.tideline%2Fmoney-tools
- tools: https://api.protogrid.dev/v1/servers/money.tideline%2Fmoney-tools/tools

**An agent can connect right now, no human step.** Remote endpoint, no authentication, reachable on the last probe.

## Connection (mcpServers)

```json
{
  "mcpServers": {
    "money-tools": {
      "type": "http",
      "url": "https://mcp.tideline.money/mcp"
    }
  }
}
```


## Trust

- hygiene: 80
- liveness: 100
- freshness: 85
- provenance: 55
- drivers: +dns-namespace +website +reachable +uptime-100% ~updated-40d-ago -no-repository
- Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed.

## Quality 79/100 (good)

### protocol: 75 (weight 25)

- warn `protocol.modern`: newest supported version is 2025-11-25; 2026-07-28 not supported, older versions are deprecated until 2027-07-28
- n/a `protocol.stateless`: only applies to 2026-07-28 servers
- pass `protocol.transport`: streamable HTTP
- n/a `protocol.list_ttl`: only applies to 2026-07-28 servers

### authorization: n/a (weight 15)

- n/a `auth.prm`, `auth.as_metadata`, `auth.cimd`: no remote uses OAuth
- n/a `auth.secret_in_url`: no templated URL

### tool hygiene: 71 (weight 30)

- pass `tools.descriptions`: every tool has a description
- pass `tools.description_length`: descriptions are concise
- pass `tools.schemas`: every tool has an object input schema
- fail `tools.annotations`: no tool declares readOnlyHint or destructiveHint, so clients cannot tell safe calls from risky ones
- fail `tools.directory_hints`: no tool declares all four of readOnlyHint, destructiveHint, idempotentHint and openWorldHint; missing: cash_runway (readOnlyHint, destructiveHint, idempotentHint, openWorldHint); effective_hourly_rate (readOnlyHint, destructiveHint, idempotentHint, openWorldHint); invoice_aging (readOnlyHint, destructiveHint, idempotentHint, openWorldHint); …
- pass `tools.token_cost`: about 1,447 tokens to load every tool
- pass `tools.api_dump`: tools are not a one-to-one API dump

### stability: 100 (weight 15)

- pass `stability.changes`: 1 tool changes in 30 days
- pass `stability.rug_pull`: no tool changed its meaning under the same name

### dependencies: n/a (weight 15)

- n/a `deps.known_vulns`, `deps.mcp_sdk_version`, `deps.resolvable`: no npm or PyPI package

- tools: 7, about 1,447 tokens to load them all
- tool set hash: 185ce3ecd459a9ecd6ebf071b97ebce4
- tools last changed: 2026-09-30T21:55:40.412Z
- badge: [![protogrid quality](https://protogrid.dev/badge/money.tideline/money-tools.svg)](https://protogrid.dev/servers/money.tideline/money-tools)
- Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed.

### Tool changes

- 2026-09-30 `debt_consolidation_check` added
  - 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 a fee offer stops being the better deal. Deterministic arithmetic; no credit data.

Full history: https://api.protogrid.dev/v1/servers/money.tideline%2Fmoney-tools/changes

## Remotes

- https://mcp.tideline.money/mcp (streamable-http, auth none, reachable true, uptime30d 1)

## Packages

_none_

## Tools (7)

- `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.
- `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.
- `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 a fee offer stops being the better deal. Deterministic arithmetic; no credit data.
- `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 and break-even, the trap zone (exercised but still losing), and pin risk near the strike. Optionally tests the price minus and plus an expected move. Deterministic arithmetic on your inputs; no market data.
- `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.