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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

TableJSON 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. First observed

TDQS

A4.2/5.0
Behavior4/5

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

Annotations already declare readOnly/idempotent/non-destructive, so safety is covered. The description adds real behavioral context beyond that: the card self-loads its data (no prior fetch needed) and that highlight dims all non-selected categories, a side effect the annotations cannot express.

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?

Front-loaded with the operation and output shape, then the usage constraint. Mostly waste-free, with only minor redundancy where the 'broad where did my money go' example is echoed between the description body and the highlight constraint.

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

Completeness4/5

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

With no output schema, the description usefully states what renders (composition bar + ranked list) and the highlight dimming behavior. It is complete enough for an agent to call it correctly; only the sibling-relationship to get_spending_breakdown is left implicit.

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

Parameters4/5

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

Schema coverage is 100%, so the baseline is 3, but the description adds the interaction semantics between period and highlight (period alone = full picture; highlight suppresses everything else) that the schema does not convey. note, nextSteps and drillPrompt are left entirely to their schema descriptions.

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?

States a specific verb ('Render') plus the resource and its composition ('Spending split by category... a composition bar plus a ranked category list'). The phrase 'It loads its own data' implicitly distinguishes it from the data-fetching sibling get_spending_breakdown, though it never names that sibling outright.

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

Usage Guidelines5/5

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

Explicitly says to pass period alone for the whole picture, and restricts highlight to follow-up questions about particular categories, with a clear when-not ('on an opening question it hides most of the answer'). This is exactly the selection guidance an agent needs versus the data siblings.

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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