Tideline Money Tools

Tools

Token cost is the o200k count of the tools list JSON, including schemas, before any tool is called.

• 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.

• 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.

• 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.

• 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.

• 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.

• 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, c

• 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 originat