Tideline Money Tools

money.tidelinePublished by tideline.moneyOfficial publisherv1.1.0Updated Oct 27, 2026

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

VerifiedStreamable HTTPWeb executableFinanceData & Analytics

Overview

AI-generated overview

Free personal-finance calculators that let an assistant model debt payoff, cash runway, subscriptions, invoices and option expiry risk.

What you can do
  • Plan debt payoff with avalanche ordering, month-by-month simulation and extra-payment scenarios
  • Check whether consolidating credit cards into a personal loan beats paying cards directly
  • Estimate household or freelance cash runway against burn including owner pay
  • Audit a transaction list for recurring subscriptions ranked by annual cost
  • Compute real effective hourly rate per client from collected dollars and all logged hours
  • Bucket aged invoices and suggest a chase action per invoice
When to use it
Useful when someone wants quick, deterministic numbers on debt, cash flow, freelancer profitability, unpaid invoices or option assignment risk, without building spreadsheets. Good for personal planning and small-practice finance questions.
Requirements
Remote streamable HTTP endpoint; no packages, environment variables or headers declared. No authentication is declared. Transaction-based tools work best with 90 or more days of date, amount and description rows supplied by the user.
Before you install
Tools take personal financial data such as transactions, invoices, income and debt details; the server is remote, so consider what you send. Results are deterministic calculations, not financial advice, and option or consolidation outputs depend on the inputs given.

Installation

In SourceWeft

  1. Open Tideline Money Tools in the dashboard and add it to a workspace.
  2. Enable the server for the chats that should use its tools.

Web executable via Streamable HTTP. Remote servers run from the web runtime once configured in a workspace.

Use with an agent

Paste this prompt into Claude Code, Codex, Cursor or another agent — or into SourceWeft chat. The agent reads this server's install guide, shows you its publisher, endpoint and sign-in, and adds it to your client once you agree. Keys never go into a command.

Read https://sourceweft.com/mcp/money.tideline%2Fmoney-tools/install.md and connect the MCP server it describes to my client. Before changing any config, show me its publisher, endpoint and sign-in method and wait for my OK. Never put an API key in a command or in a file I would commit; ask me where it should come from.

Read the install guide the agent follows

Other MCP clients

Add this to your client's mcpServers config.

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

Tools

7

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.

Parametersdebtsrequiredextra_monthly

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.

Parametersowner_drawcash_on_handrequiredmonthly_expensesrequiredmonthly_income_probablemonthly_income_committed

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.

Parameterstransactionsrequired

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.

Parameterscollectedrequiredwork_entriesrequired

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.

Parameterstodayinvoicesrequired

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.

Parameterssiderightrequiredstrikerequiredpremiumcontractsaccount_typeshares_ownedexpected_moveaccount_equitycash_availableunderlying_pricerequired

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.

Parameterscardsrequiredoffersrequiredpayoff_monthsmonthly_budget

Version history

1
  1. v1.1.0LatestSep 16, 2026

Score

72% of the applicable checks met

How complete this listing is, computed from the registry entry, the endpoint and public sources. Not a rating of the server and not a statement that it is safe or working today: reachability is a dated check, and no installs or reviews go into the score.

  • Reached in the last 30 daysRequired25 pts
  • Auth declaredRequired10 pts
  • Tools listedRequired15 pts
  • DescriptionRequired15 pts
  • Logo10 pts

    Publish an icon in the registry entry.

  • Documentation15 pts

    Declare a GitHub repository with a README, or serve resource_documentation in the OAuth protected-resource metadata.

  • LicenseNot applicable

    A hosted service is used under its provider's terms, so no license is expected here. This check is left out of the percentage.