{"$schema":"https://verifymcp.io/schemas/trust-report.json","schemaVersion":1,"license":{"name":"CC BY-NC 4.0","url":"https://creativecommons.org/licenses/by-nc/4.0/"},"generatedAt":"2026-11-05T20:27:59.904Z","url":"https://verifymcp.io/servers/com-thewellhabit-bill-budget/thewellhabit","markdownUrl":"https://verifymcp.io/servers/com-thewellhabit-bill-budget/thewellhabit.md","server":{"slug":"com-thewellhabit-bill-budget","name":"Bill & Budget Board","registryName":"com.thewellhabit/bill-budget","description":"Read-only: sorts your bills by due date, totals unpaid, compares planned vs actual budget. No bank.","registryStatus":"active","deletedAt":null,"statusMessage":null,"liveness":"live","publisher":{"class":"unknown","claimed":false}},"component":{"slug":"thewellhabit","type":"remote","identifier":"https://thewellhabit.com/mcp","withdrawn":false,"url":"https://verifymcp.io/servers/com-thewellhabit-bill-budget/thewellhabit","version":"1.0.0","transport":null,"scoredAt":"2026-11-05T04:21:36.199Z"},"score":{"total":73,"tier":"medium","status":"scored","weekDelta":3,"history":[{"date":"2026-11-05","total":73},{"date":"2026-11-04","total":73},{"date":"2026-11-03","total":72},{"date":"2026-11-02","total":72},{"date":"2026-11-01","total":71},{"date":"2026-10-31","total":71},{"date":"2026-10-30","total":70},{"date":"2026-10-29","total":70}]},"categories":[{"name":"Endpoint Security","score":74,"verdict":"fail","reasons":["The endpoint's TLS certificate is valid, in date, and uses a strong key.","No authorisation is required to call this server. Nothing on it is marked destructive, but we can't show that an anonymous caller can only read: full credit needs the server to list at least one tool and every tool to be verifiably read-only. We use a best-effort check of tool names and descriptions to tell read-only tools from tools that change things, so some genuinely read-only tools may not get full credit. Names that start with a read verb (get, list, read, search and similar) and accurate readOnlyHint annotations help. Meet that to earn full credit, or require authorisation.","HTTPS is enforced; there's no plaintext access path.","HSTS check failed: the Strict-Transport-Security header is absent.","DNSSEC check failed: this domain isn't protected by DNSSEC."],"codes":[{"code":"tls.valid","args":{}},{"code":"auth.none_no_destructive","args":{}},{"code":"https.enforced","args":{}},{"code":"headers.hsts_absent","args":{}},{"code":"dnssec.absent","args":{}}]},{"name":"Transport & Reachability","score":100,"verdict":"pass","reasons":["Verified streamable-http transport via a live MCP handshake."],"codes":[{"code":"transport.verified","args":{"transport":"streamable-http"}}]},{"name":"Schema Quality & AI Usability","score":68,"verdict":"fail","reasons":["AI-judged instruction clarity (excellent).","Context-footprint check failed: tool/resource definitions use about 370 tokens (~370/item across 1 items; 1 tools + 0 resources), over budget; trim descriptions and params.","Usage-examples check failed: none of the tools include examples."],"codes":[{"code":"schema.ai_quality","args":{"band":"excellent"}},{"code":"schema.footprint_heavy","args":{"avg":"370","items":"1","tools":"1","tokens":"370","resources":"0"}},{"code":"schema.examples_absent","args":{}}]},{"name":"Stability & Change Management","score":23,"verdict":"partial","reasons":["Stability observed for 7 of 30 days with no destabilising changes; credit accrues until the full window elapses."],"codes":[{"code":"stability.building_history","args":{"days":"7"}}]},{"name":"Tool Coverage","score":100,"verdict":"pass","reasons":["100% of tools have a non-trivial description (not blank, and not just the tool's name).","100% of tool parameters carry a description."],"codes":[{"code":"toolquality.descriptions","args":{"pct":"100"}},{"code":"toolquality.param_docs","args":{"pct":"100"}}]},{"name":"Tool Safety","score":100,"verdict":"pass","reasons":["No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.","We read all 1 captured tool definition(s), and no name or description among them implies an irreversible operation.","An AI judge read all 2 captured unit(s) of tool text and found none that tries to manipulate the model reading it."],"codes":[{"code":"toolsafety.injection_clean","args":{}},{"code":"toolsafety.destructive_none","args":{"tools":"1"}},{"code":"toolsafety.manipulation_clean","args":{"units":"2","judged":"2"}}]},{"name":"Capabilities","score":100,"verdict":"pass","reasons":["Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28."],"codes":[{"code":"protocol.supported","args":{"latest":"2026-07-28","version":"2025-11-25"}}]}],"inconclusive":[],"malware":[],"components":[{"slug":"thewellhabit","type":"remote","identifier":"https://thewellhabit.com/mcp","withdrawn":false,"score":73,"current":true,"url":"https://verifymcp.io/servers/com-thewellhabit-bill-budget/thewellhabit","markdownUrl":"https://verifymcp.io/servers/com-thewellhabit-bill-budget/thewellhabit.md"}],"facts":[{"label":"Endpoint","value":"https://thewellhabit.com/mcp"},{"label":"Transports","value":"streamable-http"},{"label":"Auth","value":"none"},{"label":"Version","value":"1.0.0"}],"install":{"available":true,"bundleSha256":null},"tools":[{"name":"plan_bills_and_budget","title":"Plan bills and a monthly budget","description":"Helps with manual bill and budget planning, with no bank connection. Given a month's bills (name, amount, due date, paid or not) and/or planned income and spending categories (planned and actual amounts), it returns a bills checklist sorted by due date with the unpaid total and what is overdue or due in the next 7 days, each category's actual minus planned, and the plan difference (planned income minus planned category spending). A blank amount stays unknown, never zero, and bills are not added to category totals. With only a question, it explains how to set up a simple bills-and-budget board. Read-only: it stores nothing, connects to no bank and pays nothing. Not financial advice.","inputs":[{"name":"as_of","type":"string","required":false,"description":"Today's date as YYYY-MM-DD, used for overdue and due-in-7-days. Omit to skip those."},{"name":"bills","type":"array","required":false,"description":"Bills to track."},{"name":"categories","type":"array","required":false,"description":"Spending categories for the month."},{"name":"currency","type":"string","required":false,"description":"Currency for the figures. Defaults to USD."},{"name":"planned_income","type":"number|null","required":false,"description":"Planned income for the month. Omit or null if unknown."},{"name":"question","type":"string","required":false,"description":"The user's question in plain words, e.g. 'Which bills are still unpaid this month?' or 'How do I set up a budget without linking my bank?'"}],"outputs":[],"hasOutputSchema":false,"hasExamples":false,"tokenEstimate":281}],"toolsTruncatedAtCapture":false,"diagnostics":{"capturedAt":"2026-11-05T04:21:36.000Z","track":"remote","endpoint":"https://thewellhabit.com/mcp","declaredUrl":null,"truncated":false,"tls":{"outcome":"valid","label":"Valid","version":"TLS 1.3","cipherSuite":"TLS_AES_128_GCM_SHA256","chainError":null,"certificates":[{"subject":"CN=thewellhabit.com","issuer":"CN=WE1,O=Google Trust Services,C=US","notBefore":"2026-09-17T14:20:22Z","notAfter":"2026-12-16T15:20:19Z","keyType":"ECDSA","keyBits":256,"isCa":false},{"subject":"CN=WE1,O=Google Trust Services,C=US","issuer":"CN=GTS Root R4,O=Google Trust Services LLC,C=US","notBefore":"2023-12-13T09:00:00Z","notAfter":"2029-02-20T14:00:00Z","keyType":"ECDSA","keyBits":256,"isCa":true},{"subject":"CN=GTS Root R4,O=Google Trust Services LLC,C=US","issuer":"CN=GlobalSign Root CA,OU=Root CA,O=GlobalSign nv-sa,C=BE","notBefore":"2023-11-15T03:43:21Z","notAfter":"2028-01-28T00:00:42Z","keyType":"ECDSA","keyBits":384,"isCa":true}]},"dnssec":{"result":"insecure","label":"Not signed","name":"thewellhabit.com.","steps":[{"zone":".","outcome":"verified","label":"Verified"},{"zone":"com.","outcome":"verified","label":"Verified"},{"zone":"thewellhabit.com.","outcome":"insecure_proven","label":"Unsigned (proven)"}]},"auth":{"outcome":"none","label":"No authorisation required","gate":null,"gateLabel":null,"status":200,"authorizationServers":[]},"httpsRedirect":{"outcome":"https_enforced","label":"HTTPS enforced","status":301},"transports":[{"transport":"streamable-http","outcome":"verified","label":"Verified","status":200,"followed":false}],"provenance":null,"installScripts":[],"installScriptsTotal":null,"vulnerabilities":[],"vulnerabilitiesTotal":null,"dependencies":null},"mismatches":[],"changelog":{"trackingSince":"2026-10-29","recent":[{"id":"chg_01a1a4c5-354a-738e-b968-68686f532a65","kind":"score.total_changed","summary":"Trust score (72 → 73)","materiality":"functional","direction":"improvement","scoreDelta":1,"occurredOn":"2026-11-04","url":"https://verifymcp.io/servers/com-thewellhabit-bill-budget/thewellhabit#chg-chg_01a1a4c5-354a-738e-b968-68686f532a65"},{"id":"chg_01a19a6e-17b2-7442-a25e-6f37d48798b6","kind":"score.total_changed","summary":"Trust score (71 → 72)","materiality":"functional","direction":"improvement","scoreDelta":1,"occurredOn":"2026-11-02","url":"https://verifymcp.io/servers/com-thewellhabit-bill-budget/thewellhabit#chg-chg_01a19a6e-17b2-7442-a25e-6f37d48798b6"},{"id":"chg_01a1901e-ddbf-78a9-a2d7-6c455e1225fa","kind":"score.total_changed","summary":"Trust score (70 → 71)","materiality":"functional","direction":"improvement","scoreDelta":1,"occurredOn":"2026-10-31","url":"https://verifymcp.io/servers/com-thewellhabit-bill-budget/thewellhabit#chg-chg_01a1901e-ddbf-78a9-a2d7-6c455e1225fa"},{"id":"chg_01a18af8-a1bb-767e-a2f6-6a8e60cdfac9","kind":"check.reverified","summary":"Stability (unverified → 0.03)","materiality":"functional","direction":"improvement","scoreDelta":null,"occurredOn":"2026-10-30","url":"https://verifymcp.io/servers/com-thewellhabit-bill-budget/thewellhabit#chg-chg_01a18af8-a1bb-767e-a2f6-6a8e60cdfac9"},{"id":"chg_01a18751-6440-745b-9817-ecdc88be9fe8","kind":"score.first_scored","summary":"First indexed and scored","materiality":"functional","direction":"neutral","scoreDelta":null,"occurredOn":"2026-10-29","url":"https://verifymcp.io/servers/com-thewellhabit-bill-budget/thewellhabit#chg-chg_01a18751-6440-745b-9817-ecdc88be9fe8"}],"truncated":false,"feedUrl":"https://verifymcp.io/servers/com-thewellhabit-bill-budget/thewellhabit/changelog.json"},"links":{"html":"https://verifymcp.io/servers/com-thewellhabit-bill-budget/thewellhabit","markdown":"https://verifymcp.io/servers/com-thewellhabit-bill-budget/thewellhabit.md","changelogJson":"https://verifymcp.io/servers/com-thewellhabit-bill-budget/thewellhabit/changelog.json","changelogRss":"https://verifymcp.io/servers/com-thewellhabit-bill-budget/thewellhabit.xml","external":[{"label":"Remote endpoint","href":"https://thewellhabit.com/mcp"},{"label":"Website","href":"https://thewellhabit.com/bill-budget-board/"}]}}