Tideline Money Tools
https://mcp.tideline.money/mcp ↗
Description
Free money calculators: option expiry risk, debt avalanche, cash runway, subscriptions, invoices.
What our measurements say
Tideline Money Tools is a remote MCP server published at mcp.tideline.money. It has been probed 6 times since 9/12/2026. It answered in 6 of them (100.0%), a near-uninterrupted record. Median response time is 1,064 ms, a delay an agent will notice. It offers a narrow, focused set of 6 tools. On the protocol side it still runs 2025-11-25 and has not moved to the newer spec.
Agent readability score
Can an LLM agent pick the right tool here — names, descriptions and parameter clarity are assessed.
Agent readability score
Agent readability score
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| Run | Era | Modern | ms | Legacy | ms | Versions |
|---|---|---|---|---|---|---|
| 2026-09-13 01:33:33 | Legacy | 200 | 754 | 200 | 747 | 2025-11-25 |
| 2026-09-12 23:31:36 | Legacy | 200 | 1072 | 200 | 1064 | 2025-11-25 |
| 2026-09-12 21:29:15 | Legacy | 200 | 1784 | 200 | 1774 | 2025-11-25 |
| 2026-09-12 19:27:29 | Legacy | 200 | 1699 | 200 | 1691 | 2025-11-25 |
| 2026-09-12 17:24:09 | Legacy | 200 | 818 | 200 | 879 | 2025-11-25 |
| 2026-09-12 15:21:42 | Legacy | 200 | 685 | 200 | 678 | 2025-11-25 |
Schema compliance
tools/list structure, inputSchema validity, and a functional smoke test — the components of the 0-100 score.
- tools/list schema valid
- inputSchema is valid JSON Schema
- Smoke test not run this round
- Cold-start: cold 192ms → warm 177ms (penalty 15ms)
Tools
Tools the server advertised in the latest measurement — measured, not catalog-claimed.
debt_avalanche_planDebt 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.
debtsarrayrequiredextra_monthlynumber
cash_runwayMonths of cash runway for a household or freelance practice — hard runway (committed income only) and working runway, against honest burn including paying yourself.
cash_on_handnumberrequiredmonthly_expensesnumberrequiredowner_drawnumbermonthly_income_committednumbermonthly_income_probablenumber
subscription_auditFind 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.
transactionsarrayrequired
effective_hourly_rateFreelancers: real $/hr per client — dollars actually collected divided by ALL hours logged (unbilled favors included). Exposes which clients quietly pay half your rate.
work_entriesarrayrequiredcollectedarrayrequired
invoice_agingInvoice aging buckets with the right chase action per invoice (friendly nudge → firm ask → escalation plan) based on how late each one is.
invoicesarrayrequiredtodaystring
option_expiry_riskWhat 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.
sidestringrightstringrequiredstrikenumberrequiredcontractsintegerpremiumnumberunderlying_pricenumberrequiredexpected_movenumberaccount_typestringcash_availablenumberaccount_equitynumbershares_ownedinteger
Availability history
Each block is one measurement round. Green: working response. Amber: responded but the server was returning errors (5xx). Red: no response at all.
Era history
Each cell is one probe run. Faded cells are incomplete probes — one leg did not answer, so the era is inconclusive.
Response time history
The two probe legs separately: modern server/discover and legacy initialize.
Event log
Derived by comparing consecutive probes — changes in era, protocol version, build and reachability.
- Added to watch — era: Legacy
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