Free calculators for debt payoff, cash runway, subscriptions, invoices, and option expiry risk.
Suite of deterministic financial calculators: debt avalanche payoff plans, household and freelance cash runway, subscription audits from transaction history, invoice aging with chase actions, effective hourly rates per client, and US equity option expiry outcomes including auto-exercise and margin requirements.
Try asking Muse: "Show me my debt payoff plan if I pay an extra $50 a month toward my highest-APR card first."
Source: Found in the official MCP Registry (money.tideline/money-tools) · First listed September 24, 2026
Each bar is one check, every 15 minutes. Green means it answered. Last checked 5 h ago.
What Muse can see: It does not ask you to sign in, so it cannot see your accounts. It only sees what Muse sends it from your request.
Before it acts: Read what Muse plans to do before you approve it, and remove the app from Muse when you stop using it.
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Not in Muse's Connectors list yet, but Muse can still use it. Copy the request below and paste it into Muse. Muse asks before it shares anything with the app's site. Meta does not review apps used this way, so only use ones you trust. We tested this in the Muse app on September 24, 2026: Muse used an app's link directly this way and returned a live answer.
https://mcp.tideline.money/mcpNot in Muse's Connectors list yet. Muse can still use it: its page gives you a request to paste into Muse.
Tideline Money Tools is a remote MCP server, so any assistant that can add a custom connector by link can use it. Same link, same tools.
In ChatGPT, open Settings, then Connectors (called Apps & Connectors on some accounts).
Under Advanced settings, switch on Developer mode. That is what lets you add a connector by link.
Choose Create, give it a name, paste the link as the MCP server URL, and save. If it needs a sign-in, ChatGPT asks for it here.
Start a chat, open the tools menu, pick the connector, and ask. ChatGPT asks before it runs a tool the first time.
Custom connectors need a paid ChatGPT plan, and on Team, Enterprise and Edu accounts only an admin can add them. Our "Working" label means the server answered us; it cannot tell whether your plan lets you add it. All connectors that work in ChatGPT
In Claude, open Settings, then Connectors.
Choose Add custom connector, give it a name, and paste the link.
If it needs a sign-in, Claude sends you to it. Then turn the connector on in a chat from the tools menu and ask.
Custom connectors are available on paid Claude plans; on Team and Enterprise accounts an admin may need to add them. Our "Working" label means the server answered us; it cannot tell whether your plan lets you add it. All connectors that work in Claude
https://mcp.tideline.money/mcpResponse time at the last check: 52ms. Worked in 100% of checks over 30 days.
Screened, no issues found
Screening looks for known threats and hidden instructions at the time of the check, and runs again weekly and whenever the tool list changes. It cannot see the server's code, so only connect what you need and review what Muse asks to do. How screening works.
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.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.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.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.invoice_agingInvoice aging buckets with the right chase action per invoice (friendly nudge → firm ask → escalation plan) based on how late each one is.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 shortsdebt_consolidation_checkShould 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 payoffhttps://mcp.tideline.money/mcpNot in Muse's Connectors list yet, but Muse can still use it. Paste this into Muse: "Use Tideline Money Tools to help me. It is a free service with an MCP server at https://mcp.tideline.money/mcp. It does not need an API key. Ask me before you share anything with it." Muse asks before it shares anything with the app's site. Meta does not review apps used this way, so only use ones you trust. We tested this in the Muse app on September 24, 2026: Muse used an app's link directly this way and returned a live answer.
At the last check (November 13, 2026, 12:01 UTC) the endpoint was working, answering in 52ms. Over the last 7 days it answered 100% of health checks. It is checked every 15 minutes.
It was screened on September 24, 2026 with the result "screened, no issues found". Screening checks the domain against threat feeds and reads the tools for hidden instructions and requests for passwords or card numbers. It cannot see the server's code, so grant only the access you need.
It exposes 7 tools, including debt_avalanche_plan, cash_runway, subscription_audit, effective_hourly_rate. For example, you could ask Muse: "Show me my debt payoff plan if I pay an extra $50 a month toward my highest-APR card first."
This listing was added from public sources (Found in the official MCP Registry (money.tideline/money-tools)). If you build Tideline Money Tools, claim it to correct the details and get your badge.
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