{
  "protocolVersion": "0.2.1",
  "name": "Tideline Money Tools",
  "description": "Deterministic personal- and small-business-finance calculators exposed as MCP tools: debt payoff, cash runway, subscription audit, effective hourly rate, invoice aging, and option expiry risk. All math is computed locally and deterministically; no AI model is called and no user data is retained.",
  "version": "0.1.0",
  "url": "https://mcp.tideline.money/mcp",
  "preferredTransport": "streamable-http",
  "provider": {
    "organization": "Tideline Money",
    "url": "https://www.tideline.money"
  },
  "documentationUrl": "https://www.tideline.money",
  "capabilities": {
    "streaming": false,
    "pushNotifications": false,
    "stateTransitionHistory": false
  },
  "defaultInputModes": ["application/json"],
  "defaultOutputModes": ["application/json", "text/plain"],
  "securitySchemes": {},
  "security": [],
  "skills": [
    {
      "id": "debt_avalanche_plan",
      "name": "Debt avalanche plan",
      "description": "Orders debts highest-APR-first, simulates month by month to a debt-free date, and compares total interest against minimums-only.",
      "tags": ["finance", "debt", "budgeting", "calculator"],
      "examples": ["Build a payoff plan for my three credit cards with $200/mo extra."]
    },
    {
      "id": "cash_runway",
      "name": "Cash runway",
      "description": "Computes hard runway (committed income only) and working runway against monthly burn including owner draw.",
      "tags": ["finance", "runway", "freelance", "calculator"],
      "examples": ["How many months of runway do I have at $18k cash and $4.2k burn?"]
    },
    {
      "id": "subscription_audit",
      "name": "Subscription audit",
      "description": "Detects recurring and price-similar charges in a transaction list and ranks them by annual cost.",
      "tags": ["finance", "subscriptions", "spending"],
      "examples": ["Find my recurring charges in this list of 90 days of transactions."]
    },
    {
      "id": "effective_hourly_rate",
      "name": "Effective hourly rate",
      "description": "Divides dollars actually collected by all hours logged per client, including unbilled work.",
      "tags": ["finance", "freelance", "pricing"],
      "examples": ["What do I actually earn per hour on each client?"]
    },
    {
      "id": "invoice_aging",
      "name": "Invoice aging",
      "description": "Buckets unpaid invoices by age and suggests a chase action appropriate to how late each one is.",
      "tags": ["finance", "invoicing", "accounts-receivable"],
      "examples": ["Which of my open invoices need chasing, and how hard?"]
    },
    {
      "id": "option_expiry_risk",
      "name": "Option expiry risk",
      "description": "Explains what happens to an account if a single-leg US equity option finishes in the money at expiration.",
      "tags": ["finance", "options", "risk"],
      "examples": ["What happens if my covered call finishes $2 in the money?"]
    }
  ]
}