money.tideline/money-tools

Tools

• 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.

  shallow
• 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.

  shallow
• debt_consolidation_check

  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.

  shallow
• 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.

  shallow
• 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.

  shallow
• 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.

  shallow
• 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.

  shallow

Embed this server’s score

Tool count and median score across every tool in this server’s corpus — honest in a way a single cherry-picked tool’s badge wouldn’t be.

[![Vouch score](https://vouch.tools/api/servers/7b4e7e6f-5d8a-41a4-94d6-714895f5f335/badge.svg)](https://vouch.tools/servers/7b4e7e6f-5d8a-41a4-94d6-714895f5f335)