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Banking Assistant (Metabind demo)

Spending Breakdown

spending_breakdown
Read-onlyIdempotent

Render spending_breakdown: Spending split by category for a period: a composition bar plus a ranked category list. It loads its own data — pass the period alone for the whole picture, which is what a broad 'where did my money go' question wants. Use highlight only on a follow-up about particular categories; it dims everything else, so on an opening question it hides most of the answer.

Input Schema

NameRequiredDescriptionDefault
noteNoUsually omit this. Optional one-line insight rendered inside the card. Only pass it when you ALREADY have the figures in hand from a call you made for another reason — never make an extra tool call just to write a note, because that round trip delays the card itself. When you do add one, say something the card does not already show (what drove a change, what to watch), in one sentence, and never guess a number.
periodNoWindow: 7d, 30d, mtd (this month so far), lastMonth (the whole previous calendar month), 3mo, 6mo, ytd, 1y or all.mtd
highlightNoOMIT THIS unless the user asked about specific categories. Leaving it empty is the normal, correct view: the whole picture, nothing dimmed. A broad opening question — 'where did my money go', 'show me my spending', 'how did I do this month' — wants the whole picture, so pass period alone. Only emphasise on a FOLLOW-UP that is genuinely about particular categories ('what should I cut', 'is dining out of hand', 'why is it higher than last month'), where you name them: ['Food & Dining','Subscriptions']. Everything else then dims and the hero reports their combined total. Matching is forgiving ('dining' finds 'Food & Dining').
nextStepsNoOne short follow-up the user might ask next, in the form icon|question — 'calendar|Show me last month'. Phrase the question the way the user would say it, and take the icon from the table in the app instructions; any other name renders blank. Always supply 2-3. The card itself ignores them.
drillPromptNoWhat tapping a category should ask, when the question had an angle worth carrying. Write it as the user would say it and put {category} where the name goes: 'Show me the odd {category} transactions', 'Where can I cut back on {category}?'. Set it when the card answers something pointed — unusual spending, what to cut, why something moved — so the follow-up inherits that instead of resetting to a plain list. Omit it for a broad 'where did my money go', where a plain list is what a tap should give.

Schema Changelog

Changes observed during successful MCP inspections.

  1. Changed1 schema field changed
    • addedInput schema / additionalProperties
      Added value: +false
  2. Changed1 schema field changed
    • addedInput schema / required
      Added value: +[]
  3. First observed

TDQS

A4.1/5.0
Behavior5/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Annotations already establish the safe read-only profile (readOnlyHint, idempotentHint, destructiveHint=false), and the description adds meaningful behavior beyond that: it loads its own data, highlight dims all other categories, the card ignores nextSteps, and drillPrompt carries an angle forward. These are real operational traits an agent could not infer from annotations.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness4/5

Is the description appropriately sized, front-loaded, and free of redundancy?

It is front-loaded with what the card renders and then the period-vs-highlight decision, with no filler. However, its highlight sentence substantially duplicates the schema's highlight description, so it is slightly redundant rather than maximally tight.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness5/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

All five parameters are optional, schema coverage is 100%, and no output schema is needed for a render-into-card tool. Given that, the description covers everything an agent needs to call it correctly, especially the key highlight-vs-period judgment.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters3/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema description coverage is 100% and the per-parameter descriptions are unusually rich, so the schema already carries the semantics. The description largely restates the highlight-vs-period rule that the schema's own highlight description spells out, adding only marginal extra meaning. Baseline 3 applies when the schema does the heavy lifting.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose4/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description gives a specific verb and resource: it renders a spending split by category, as a composition bar plus a ranked category list, for a period. The opening 'Render spending_breakdown:' restates the name, but the following clause adds real substance, and 'It loads its own data' hints at the render-vs-fetch distinction from get_spending_breakdown. It does not explicitly name that sibling, so it falls short of a 5.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines4/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

It clearly states when to pass period alone (broad 'where did my money go' questions) versus when to use highlight (genuine follow-ups about particular categories), and warns that highlight on an opening question hides most of the answer. That is strong when/when-not guidance, though it never names an alternative sibling tool to route to.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

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