# Bill & Budget Board (remote · thewellhabit.com)

Read-only: sorts your bills by due date, totals unpaid, compares planned vs actual budget. No bank.

- Trust score: 73/100 (medium)
- Change this week: +3
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `thewellhabit.com`: 73/100 (this document), [markdown](https://verifymcp.io/servers/com-thewellhabit-bill-budget/thewellhabit.md), [page](https://verifymcp.io/servers/com-thewellhabit-bill-budget/thewellhabit)

## Channel facts

- Endpoint: `https://thewellhabit.com/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.0`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-11-05.

- **Endpoint Security**: 74/100
  - 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.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 68/100
  - 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.
- **Stability & Change Management**: 23/100
  - Stability observed for 7 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 100/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 100% of tool parameters carry a description.
- **Tool Safety**: 100/100
  - 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.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### How do I install the Bill & Budget Board MCP server?

Bill & Budget Board is a hosted endpoint at https://thewellhabit.com/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.

### Claude

```bash
claude mcp add --transport http com-thewellhabit-bill-budget 'https://thewellhabit.com/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "com-thewellhabit-bill-budget": {
      "url": "https://thewellhabit.com/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "com-thewellhabit-bill-budget": {
      "type": "http",
      "url": "https://thewellhabit.com/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.com-thewellhabit-bill-budget]
url = "https://thewellhabit.com/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "com-thewellhabit-bill-budget": {
      "type": "remote",
      "url": "https://thewellhabit.com/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add com-thewellhabit-bill-budget --url 'https://thewellhabit.com/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  com-thewellhabit-bill-budget:
    url: "https://thewellhabit.com/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "com-thewellhabit-bill-budget": {
      "Transport": "http",
      "Url": "https://thewellhabit.com/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add com-thewellhabit-bill-budget -t streamable-http -u 'https://thewellhabit.com/mcp'
```

### Other

```json
{
  "mcpServers": {
    "com-thewellhabit-bill-budget": {
      "type": "http",
      "url": "https://thewellhabit.com/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-11-04 (score 73, +1)

No change was recorded against any check on this day. Stability & Change Management went from 17 to 20. That category is still filling its 30-day observation window: 5 days of observed history at the previous scan, 6 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-11-02 (score 72, +1)

No change was recorded against any check on this day. Stability & Change Management went from 10 to 13. That category is still filling its 30-day observation window: 3 days of observed history at the previous scan, 4 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-31 (score 71, +1)

No change was recorded against any check on this day. Stability & Change Management went from 3 to 7. That category is still filling its 30-day observation window: 1 days of observed history at the previous scan, 2 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-30 (score 70, 0)

- [functional improvement] Stability: unverified → 0.03

### 2026-10-29 (score 70)

First indexed and scored.

## MCP tools (1)

### `plan_bills_and_budget` (~281 tokens)

Plan bills and a monthly budget

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.

Input parameters:

- `as_of` (string): Today's date as YYYY-MM-DD, used for overdue and due-in-7-days. Omit to skip those.
- `bills` (array): Bills to track.
- `categories` (array): Spending categories for the month.
- `currency` (string): Currency for the figures. Defaults to USD.
- `planned_income` (number|null): Planned income for the month. Omit or null if unknown.
- `question` (string): 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?'

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/com-thewellhabit-bill-budget/thewellhabit#diagnostics

## Score history

- 2026-11-05: 73
- 2026-11-04: 73
- 2026-11-03: 72
- 2026-11-02: 72
- 2026-11-01: 71
- 2026-10-31: 71
- 2026-10-30: 70
- 2026-10-29: 70

## Common questions

### What is the Bill & Budget Board MCP server?

Bill & Budget Board is an MCP server listed in the public MCP registry as com.thewellhabit/bill-budget. Read-only: sorts your bills by due date, totals unpaid, compares planned vs actual budget. No bank. This page covers its hosted endpoint (https://thewellhabit.com/mcp).

### Is the Bill & Budget Board MCP server safe to use?

Bill & Budget Board scores 73 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.

### What tools does the Bill & Budget Board MCP server expose?

Bill & Budget Board exposes 1 tool: plan_bills_and_budget. Their descriptions and schemas cost roughly 281 tokens of context every time the server is loaded.

### Does the Bill & Budget Board MCP server require authentication?

No. We connected to Bill & Budget Board without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the Bill & Budget Board MCP server still maintained?

Bill & Budget Board is still listed as active in the MCP registry. We last reached this channel on 5 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

### What did VerifyMCP test on the Bill & Budget Board MCP server?

VerifyMCP ran 13 checks on Bill & Budget Board, covering TLS certificate, Authorization, HTTPS, HSTS header and 9 more. Supply Chain Security and Provenance & Transparency do not apply to a hosted endpoint, so they were not tested. The score does not measure everything, and the scoring documentation lists what it leaves out.

## Links

- Remote endpoint: https://thewellhabit.com/mcp
- Website: https://thewellhabit.com/bill-budget-board/
- Changelog RSS feed: https://verifymcp.io/servers/com-thewellhabit-bill-budget/thewellhabit.xml
- Changelog JSON feed: https://verifymcp.io/servers/com-thewellhabit-bill-budget/thewellhabit/changelog.json
- Trust report (JSON): https://verifymcp.io/servers/com-thewellhabit-bill-budget/thewellhabit.json
- HTML version of this page: https://verifymcp.io/servers/com-thewellhabit-bill-budget/thewellhabit