{"serverId":"mcp-registry/money.tideline/money-tools","tools":[{"name":"cash_runway","fixed":{"name":"cash_runway","description":"Months of cash runway for a household or freelance practice — hard runway (committed income only) and working runway, against honest burn including paying yourself.","inputSchema":{"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"}}},"annotations":{"readOnlyHint":false,"destructiveHint":false,"idempotentHint":false}},"changes":[{"kind":"annotations","detail":"Added readOnlyHint: false, destructiveHint: false, idempotentHint: false (inferred from the name).","verify":true}],"tokensBefore":149,"tokensAfter":149},{"name":"debt_consolidation_check","fixed":{"name":"debt_consolidation_check","description":"Should 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 payoff month and the month a fee offer stops being the better deal. Deterministic arithmetic; no credit data.","inputSchema":{"type":"object","required":["cards","offers"],"properties":{"cards":{"type":"array","items":{"type":"object","required":["balance","apr"],"properties":{"apr":{"type":"number","description":"annual %, e.g. 27"},"name":{"type":"string"},"balance":{"type":"number"},"apr_after_promo":{"type":"number","description":"APR % after the promo ends"},"promo_months_left":{"type":"integer","description":"months left on a 0% promo, if any"}}}},"offers":{"type":"array","items":{"type":"object","required":["amount","interest_rate","term_months"],"properties":{"amount":{"type":"number"},"term_months":{"type":"integer"},"interest_rate":{"type":"number","description":"interest rate % (NOT the APR, which already includes the fee)"},"fee_is_percent":{"type":"boolean"},"origination_fee":{"type":"number"}}},"maxItems":2},"payoff_months":{"type":"integer","description":"when you expect to pay everything off; defaults to the full term"},"monthly_budget":{"type":"number","description":"monthly amount for the keep-the-cards comparison; defaults to offer A's payment"}}},"annotations":{"readOnlyHint":true}},"changes":[{"kind":"annotations","detail":"Added readOnlyHint: true (inferred from the name).","verify":true}],"tokensBefore":420,"tokensAfter":420}],"toolsChanged":2,"tokensSaved":0,"todo":[{"tool":"cash_runway","params":["cash_on_hand","monthly_expenses","monthly_income_probable","monthly_income_committed"]},{"tool":"debt_avalanche_plan","params":["debts"]},{"tool":"debt_consolidation_check","params":["cards","offers"]},{"tool":"effective_hourly_rate","params":["collected","work_entries"]},{"tool":"invoice_aging","params":["invoices"]},{"tool":"option_expiry_risk","params":["right","strike"]},{"tool":"subscription_audit","params":["transactions"]}],"note":"Deterministic fixes. Changes marked verify need a human look before shipping (renames, inferred annotations, inferred types, removed text). Parameter descriptions in `todo` need to be written by someone who knows the API."}