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by ai.securelend.mcp
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calculate_loan_payment

Calculate monthly loan payments with principal, interest, and total cost breakdown

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault

No arguments

Schema Changelog

Changes observed during successful MCP inspections.

  1. Changed5 schema fields changed
    • removedInput schema / $schema
      Removed value: -"http://json-schema.org/draft-07/schema#"
    • addedInput schema / additionalProperties
      Added value: +true
    • removedInput schema / properties
      Removed value: -{
-  "interestRate": {
-    "description": "The annual interest rate (e.g., 5 for 5%).",
-    "minimum": 0,
-    "type": "number"
-  },
-  "loanAmount": {
-    "description": "The total amount of the loan in USD.",
-    "exclusiveMinimum": 0,
-    "type": "number"
-  },
-  "loanTermInMonths": {
-    "description": "The duration of the loan in months.",
-    "exclusiveMinimum": 0,
-    "maximum": 9007199254740991,
-    "type": "integer"
-  }
-}
    • removedInput schema / required
      Removed value: -[
-  "loanAmount",
-  "interestRate",
-  "loanTermInMonths"
-]
    • changedOutput schema / (root)
      Previous value: -{
-  "$schema": "http://json-schema.org/draft-07/schema#",
-  "additionalProperties": false,
-  "properties": {
-    "monthlyPayment": {
-      "description": "The calculated monthly payment amount.",
-      "type": "number"
-    },
-    "totalInterest": {
-      "description": "The total interest paid over the life of the loan.",
-      "type": "number"
-    },
-    "totalPayment": {
-      "description": "The total amount to be paid over the life of the loan.",
-      "type": "number"
-    }
-  },
-  "required": [
-    "monthlyPayment",
-    "totalPayment",
-    "totalInterest"
-  ],
-  "type": "object"
-}New value: +null
  2. First observed

TDQS

B3/5.0
Behavior3/5

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

With no annotations, the description must disclose behavioral traits. It implies a read-only calculation via the verb 'calculate' and outlines the output breakdown, but does not explicitly state that no data is modified, nor does it mention any assumptions or limitations. This is minimal but not misleading.

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

Conciseness5/5

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

The description is a single, front-loaded sentence with no wasted words. It conveys the core action and output components efficiently.

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

Completeness2/5

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

For a tool with no annotations, no output schema, and an empty input schema, the description is the sole source of guidance. It is incomplete because it omits input requirements and does not clarify the expected request format. This is a significant gap for an agent to call the tool correctly.

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

Parameters2/5

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

The input schema is empty (no properties, additionalProperties true), so schema coverage is vacuously 100%, giving a baseline of 3. However, the description fails to specify what inputs are required (e.g., loan amount, interest rate, term). An agent cannot determine how to construct a valid request from the description alone, making it inadequate.

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 states a specific verb ('calculate') and resource ('monthly loan payments'), and lists output components ('principal, interest, total cost breakdown'). It clearly distinguishes from most siblings (which are comparison tools), but does not differentiate from the similar calculate_mortgage_payment, leaving ambiguity about scope.

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

Usage Guidelines2/5

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

No guidance is provided on when to use this tool versus alternatives. There is no mention of loan types, exclusions, or a pointer to calculate_mortgage_payment for mortgage-specific scenarios. The usage context is entirely implied.

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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