MCP 服务器

Tideline Money Tools

money.tideline/money-tools
金融与投资 生产力 公开且可连接 MCP 2026-07-28

此 MCP 可以做什么

Calculates cash runway, debt repayment plans, option-expiry outcomes, invoice aging, subscription costs, and effective freelancer rates.

cash_runway
Months of cash runway for a household or freelance practice — hard runway (committed income only) and working runway, against honest burn including paying yourself.
输入模式
{'type': 'object', 'required': ['cash_on_hand', 'monthly_expenses'], 'properties': {'owner_draw': {'type': 'number', 'description': 'what you pay yourself monthly'}, 'cash_on_hand': {'type': 'number'}, 'monthly_expenses': {'type': 'number'}, 'monthly_income_probable': {'type': 'number'}, 'monthly_income_committed': {'type': 'number'}}}
debt_avalanche_plan
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.
输入模式
{'type': 'object', 'required': ['debts'], 'properties': {'debts': {'type': 'array', 'items': {'type': 'object', 'required': ['name', 'balance', 'apr', 'minimum'], 'properties': {'apr': {'type': 'number', 'description': 'annual % e.g. 24.99'}, 'name': {'type': 'string'}, 'balance': {'type': 'number'}, 'minimum': {'type': 'number'}}}}, 'extra_monthly': {'type': 'number', 'description': 'extra dollars/month beyond minimums'}}}
effective_hourly_rate
Freelancers: real $/hr per client — dollars actually collected divided by ALL hours logged (unbilled favors included). Exposes which clients quietly pay half your rate.
输入模式
{'type': 'object', 'required': ['work_entries', 'collected'], 'properties': {'collected': {'type': 'array', 'items': {'type': 'object', 'required': ['client', 'amount'], 'properties': {'amount': {'type': 'number'}, 'client': {'type': 'string'}}}}, 'work_entries': {'type': 'array', 'items': {'type': 'object', 'required': ['client', 'hours'], 'properties': {'hours': {'type': 'number'}, 'client': {'type': 'string'}}}}}}
invoice_aging
Invoice aging buckets with the right chase action per invoice (friendly nudge → firm ask → escalation plan) based on how late each one is.
输入模式
{'type': 'object', 'required': ['invoices'], 'properties': {'today': {'type': 'string', 'description': 'YYYY-MM-DD, defaults to server date'}, 'invoices': {'type': 'array', 'items': {'type': 'object', 'required': ['amount', 'due'], 'properties': {'due': {'type': 'string', 'description': 'YYYY-MM-DD'}, 'paid': {'type': 'boolean'}, 'amount': {'type': 'number'}, 'client': {'type': 'string'}}}}}}
option_expiry_risk
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.
输入模式
{'type': 'object', 'required': ['right', 'strike', 'underlying_price'], 'properties': {'side': {'enum': ['long', 'short'], 'type': 'string', 'description': 'long = you bought the option; short = you sold/wrote it. Default long.'}, 'right': {'enum': ['call', 'put'], 'type': 'string'}, 'strike': {'type': 'number'}, 'premium': {'type': 'number', 'description': 'per-share price paid (long) or received (short), e.g. 0.48'}, 'contracts': {'type': 'integer', 'description': 'number of contracts (100 shares each). Default 1.'}, 'account_type': {'enum': ['margin', 'cash', 'ira'], 'type': 'string', 'description': 'Default margin.'}, 'shares_owned': {'type': 'integer', 'description': 'shares of the underlying already held; negative if already short. Default 0.'}, 'expected_move': {'type': 'number', 'description': 'optional dollar move to also test down and up, e.g. the at-the-money straddle price'}, 'account_equity': {'type': 'number', 'description': 'optional margin account equity, to check the requirement'}, 'cash_available': {'type': 'number', 'description': 'optional settled cash, to check a share purchase'}, 'underlying_price': {'type': 'number', 'description': 'stock price to test at expiration'}}}
subscription_audit
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.
输入模式
{'type': 'object', 'required': ['transactions'], 'properties': {'transactions': {'type': 'array', 'items': {'type': 'object', 'required': ['amount', 'description'], 'properties': {'date': {'type': 'string'}, 'amount': {'type': 'number'}, 'description': {'type': 'string'}}}}}}
已添加
option_expiry_risk
2026年9月17日 12:54
已添加
invoice_aging
2026年9月17日 12:54
已添加
effective_hourly_rate
2026年9月17日 12:54
已添加
subscription_audit
2026年9月17日 12:54
已添加
cash_runway
2026年9月17日 12:54
已添加
debt_avalanche_plan
2026年9月17日 12:54