Tideline Money Tools

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.

{
  "type": "object",
  "properties": {
    "debts": {
      "type": "array",
      "items": {
        "type": "object",
        "properties": {
          "name": {
            "type": "string"
          },
          "balance": {
            "type": "number"
          },
          "apr": {
            "type": "number",
            "description": "annual % e.g. 24.99"
          },
          "minimum": {
            "type": "number"
          }
        },
        "required": [
          "name",
          "balance",
          "apr",
          "minimum"
        ]
      }
    },
    "extra_monthly": {
      "type": "number",
      "description": "extra dollars/month beyond minimums"
    }
  },
  "required": [
    "debts"
  ]
}

Months of cash runway for a household or freelance practice — hard runway (committed income only) and working runway, against honest burn including paying yourself.

{
  "type": "object",
  "properties": {
    "cash_on_hand": {
      "type": "number"
    },
    "monthly_expenses": {
      "type": "number"
    },
    "owner_draw": {
      "type": "number",
      "description": "what you pay yourself monthly"
    },
    "monthly_income_committed": {
      "type": "number"
    },
    "monthly_income_probable": {
      "type": "number"
    }
  },
  "required": [
    "cash_on_hand",
    "monthly_expenses"
  ]
}

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.

{
  "type": "object",
  "properties": {
    "transactions": {
      "type": "array",
      "items": {
        "type": "object",
        "properties": {
          "date": {
            "type": "string"
          },
          "amount": {
            "type": "number"
          },
          "description": {
            "type": "string"
          }
        },
        "required": [
          "amount",
          "description"
        ]
      }
    }
  },
  "required": [
    "transactions"
  ]
}

Freelancers: real $/hr per client — dollars actually collected divided by ALL hours logged (unbilled favors included). Exposes which clients quietly pay half your rate.

{
  "type": "object",
  "properties": {
    "work_entries": {
      "type": "array",
      "items": {
        "type": "object",
        "properties": {
          "client": {
            "type": "string"
          },
          "hours": {
            "type": "number"
          }
        },
        "required": [
          "client",
          "hours"
        ]
      }
    },
    "collected": {
      "type": "array",
      "items": {
        "type": "object",
        "properties": {
          "client": {
            "type": "string"
          },
          "amount": {
            "type": "number"
          }
        },
        "required": [
          "client",
          "amount"
        ]
      }
    }
  },
  "required": [
    "work_entries",
    "collected"
  ]
}

Invoice aging buckets with the right chase action per invoice (friendly nudge → firm ask → escalation plan) based on how late each one is.

{
  "type": "object",
  "properties": {
    "invoices": {
      "type": "array",
      "items": {
        "type": "object",
        "properties": {
          "client": {
            "type": "string"
          },
          "amount": {
            "type": "number"
          },
          "due": {
            "type": "string",
            "description": "YYYY-MM-DD"
          },
          "paid": {
            "type": "boolean"
          }
        },
        "required": [
          "amount",
          "due"
        ]
      }
    },
    "today": {
      "type": "string",
      "description": "YYYY-MM-DD, defaults to server date"
    }
  },
  "required": [
    "invoices"
  ]
}

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.

{
  "type": "object",
  "properties": {
    "side": {
      "type": "string",
      "enum": [
        "long",
        "short"
      ],
      "description": "long = you bought the option; short = you sold/wrote it. Default long."
    },
    "right": {
      "type": "string",
      "enum": [
        "call",
        "put"
      ]
    },
    "strike": {
      "type": "number"
    },
    "contracts": {
      "type": "integer",
      "description": "number of contracts (100 shares each). Default 1."
    },
    "premium": {
      "type": "number",
      "description": "per-share price paid (long) or received (short), e.g. 0.48"
    },
    "underlying_price": {
      "type": "number",
      "description": "stock price to test at expiration"
    },
    "expected_move": {
      "type": "number",
      "description": "optional dollar move to also test down and up, e.g. the at-the-money straddle price"
    },
    "account_type": {
      "type": "string",
      "enum": [
        "margin",
        "cash",
        "ira"
      ],
      "description": "Default margin."
    },
    "cash_available": {
      "type": "number",
      "description": "optional settled cash, to check a share purchase"
    },
    "account_equity": {
      "type": "number",
      "description": "optional margin account equity, to check the requirement"
    },
    "shares_owned": {
      "type": "integer",
      "description": "shares of the underlying already held; negative if already short. Default 0."
    }
  },
  "required": [
    "right",
    "strike",
    "underlying_price"
  ]
}

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.

{
  "type": "object",
  "properties": {
    "cards": {
      "type": "array",
      "items": {
        "type": "object",
        "properties": {
          "name": {
            "type": "string"
          },
          "balance": {
            "type": "number"
          },
          "apr": {
            "type": "number",
            "description": "annual %, e.g. 27"
          },
          "promo_months_left": {
            "type": "integer",
            "description": "months left on a 0% promo, if any"
          },
          "apr_after_promo": {
            "type": "number",
            "description": "APR % after the promo ends"
          }
        },
        "required": [
          "balance",
          "apr"
        ]
      }
    },
    "offers": {
      "type": "array",
      "maxItems": 2,
      "items": {
        "type": "object",
        "properties": {
          "amount": {
            "type": "number"
          },
          "interest_rate": {
            "type": "number",
            "description": "interest rate % (NOT the APR, which already includes the fee)"
          },
          "term_months": {
            "type": "integer"
          },
          "origination_fee": {
            "type": "number"
          },
          "fee_is_percent": {
            "type": "boolean"
          }
        },
        "required": [
          "amount",
          "interest_rate",
          "term_months"
        ]
      }
    },
    "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"
    }
  },
  "required": [
    "cards",
    "offers"
  ]
}