# Tideline Money Tools (remote · mcp.tideline.money)

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

- Trust score: 70/100 (medium)
- Change this week: +3
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-09-28

## Components

- remote · `mcp.tideline.money`: 70/100 (this document), [markdown](https://verifymcp.io/servers/money-tideline-money-tools/mcp.md), [page](https://verifymcp.io/servers/money-tideline-money-tools/mcp)

## Channel facts

- Endpoint: `https://mcp.tideline.money/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.1.0`

## 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 2026-09-28.

- **Endpoint Security**: 57/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - Authorisation not fully verified: no authorisation is required to call this server, and 6 tool(s) never declared a destructiveHint. The MCP spec treats an absent hint as destructive by default, so we cannot call this surface safe.
  - 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**: 66/100
  - AI-judged instruction clarity (good).
  - Tool/resource definitions use about 697 tokens (~116/item across 6 items; 6 tools + 0 resources), lean.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 60/100
  - Stability observed for 18 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 84/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 52% 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 6 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 7 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 Tideline Money Tools MCP server?

Tideline Money Tools is a hosted endpoint at https://mcp.tideline.money/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 money-tideline-money-tools 'https://mcp.tideline.money/mcp'
```

### Cursor

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

### VS Code

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

### Codex

```toml
[mcp_servers.money-tideline-money-tools]
url = "https://mcp.tideline.money/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "money-tideline-money-tools": {
      "type": "remote",
      "url": "https://mcp.tideline.money/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add money-tideline-money-tools --url 'https://mcp.tideline.money/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  money-tideline-money-tools:
    url: "https://mcp.tideline.money/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "money-tideline-money-tools": {
      "Transport": "http",
      "Url": "https://mcp.tideline.money/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add money-tideline-money-tools -t streamable-http -u 'https://mcp.tideline.money/mcp'
```

### Other

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

### 2026-09-28 (score 70, +1)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-09-26 (score 69, +1)

No change was recorded against any check on this day. Stability & Change Management went from 50 to 53. That category is still filling its 30-day observation window: 15 days of observed history at the previous scan, 16 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-25 (score 68, 0)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-09-24 (score 68, +1)

No change was recorded against any check on this day. Stability & Change Management went from 43 to 47. That category is still filling its 30-day observation window: 13 days of observed history at the previous scan, 14 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-21 (score 67, +1)

No change was recorded against any check on this day. Stability & Change Management went from 33 to 37. That category is still filling its 30-day observation window: 10 days of observed history at the previous scan, 11 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-19 (score 66, +1)

No change was recorded against any check on this day. Stability & Change Management went from 27 to 30. That category is still filling its 30-day observation window: 8 days of observed history at the previous scan, 9 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-17 (score 65, +1)

No change was recorded against any check on this day. Stability & Change Management went from 20 to 23. That category is still filling its 30-day observation window: 6 days of observed history at the previous scan, 7 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-15 (score 64, +1)

No change was recorded against any check on this day. Stability & Change Management went from 13 to 17. That category is still filling its 30-day observation window: 4 days of observed history at the previous scan, 5 at this one. The score rises as the window fills, whether or not the server changes.

## MCP tools (6)

### `debt_avalanche_plan` (~75 tokens)

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.

Input parameters:

- `debts` (array, required)
- `extra_monthly` (number): extra dollars/month beyond minimums

### `cash_runway` (~90 tokens)

Months of cash runway for a household or freelance practice — hard runway (committed income only) and working runway, against honest burn including paying yourself.

Input parameters:

- `cash_on_hand` (number, required)
- `monthly_expenses` (number, required)
- `monthly_income_committed` (number)
- `monthly_income_probable` (number)
- `owner_draw` (number): what you pay yourself monthly

### `subscription_audit` (~55 tokens)

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.

Input parameters:

- `transactions` (array, required)

### `effective_hourly_rate` (~60 tokens)

Freelancers: real $/hr per client — dollars actually collected divided by ALL hours logged (unbilled favors included). Exposes which clients quietly pay half your rate.

Input parameters:

- `collected` (array, required)
- `work_entries` (array, required)

### `invoice_aging` (~60 tokens)

Invoice aging buckets with the right chase action per invoice (friendly nudge → firm ask → escalation plan) based on how late each one is.

Input parameters:

- `invoices` (array, required)
- `today` (string): YYYY-MM-DD, defaults to server date

### `option_expiry_risk` (~324 tokens)

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.

Input parameters:

- `account_equity` (number): optional margin account equity, to check the requirement
- `account_type` (string): Default margin.
- `cash_available` (number): optional settled cash, to check a share purchase
- `contracts` (integer): number of contracts (100 shares each). Default 1.
- `expected_move` (number): optional dollar move to also test down and up, e.g. the at-the-money straddle price
- `premium` (number): per-share price paid (long) or received (short), e.g. 0.48
- `right` (string, required)
- `shares_owned` (integer): shares of the underlying already held; negative if already short. Default 0.
- `side` (string): long = you bought the option; short = you sold/wrote it. Default long.
- `strike` (number, required)
- `underlying_price` (number, required): stock price to test at expiration

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/money-tideline-money-tools/mcp#diagnostics

## Score history

- 2026-09-28: 70
- 2026-09-27: 69
- 2026-09-26: 69
- 2026-09-25: 68
- 2026-09-24: 68
- 2026-09-23: 67
- 2026-09-22: 67
- 2026-09-21: 67
- 2026-09-20: 66
- 2026-09-19: 66
- 2026-09-18: 65
- 2026-09-17: 65
- 2026-09-16: 64
- 2026-09-15: 64
- 2026-09-14: 63
- 2026-09-13: 63
- 2026-09-12: 62
- 2026-09-11: 62
- 2026-09-10: 61

## Common questions

### What is the Tideline Money Tools MCP server?

Tideline Money Tools is an MCP server listed in the public MCP registry as money.tideline/money-tools. Free money calculators: option expiry risk, debt avalanche, cash runway, subscriptions, invoices. This page covers its hosted endpoint (https://mcp.tideline.money/mcp).

### Is the Tideline Money Tools MCP server safe to use?

Tideline Money Tools scores 70 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 Tideline Money Tools MCP server expose?

Tideline Money Tools exposes 6 tools: debt_avalanche_plan, cash_runway, subscription_audit, effective_hourly_rate, invoice_aging, option_expiry_risk. Their descriptions and schemas cost roughly 664 tokens of context every time the server is loaded.

### Does the Tideline Money Tools MCP server require authentication?

No. We connected to Tideline Money Tools without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the Tideline Money Tools MCP server still maintained?

Tideline Money Tools is still listed as active in the MCP registry. We last reached this channel on 28 September 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

## Links

- Remote endpoint: https://mcp.tideline.money/mcp
- Website: https://mcp.tideline.money/
- Changelog RSS feed: https://verifymcp.io/servers/money-tideline-money-tools/mcp.xml
- Changelog JSON feed: https://verifymcp.io/servers/money-tideline-money-tools/mcp.json
- HTML version of this page: https://verifymcp.io/servers/money-tideline-money-tools/mcp