SecureLend Market

compare_lease_vs_purchase

Compare total costs of leasing versus buying a vehicle over time

Input Schema

TableJSON Schema

Name	Required	Description	Default
No arguments

Schema Changelog

Changes observed during successful MCP inspections.

Changed5 schema fields changedSep 23, 2026

removedInput schema / $schema

Removed value: -"http://json-schema.org/draft-07/schema#"

addedInput schema / additionalProperties
```
Added value: +true
```

removedInput schema / properties

Removed value: -{
-  "acquisitionFee": {
-    "default": 0,
-    "description": "Fee charged by the lessor to initiate the lease in USD.",
-    "minimum": 0,
-    "type": "number"
-  },
-  "downPayment": {
-    "description": "Upfront payment amount for purchase in USD.",
-    "minimum": 0,
-    "type": "number"
-  },
-  "expectedOwnershipInMonths": {
-    "description": "How long you plan to keep the vehicle, in months.",
-    "exclusiveMinimum": 0,
-    "maximum": 9007199254740991,
-    "type": "integer"
-  },
-  "interestRate": {
-    "description": "Annual interest rate for purchase loan (e.g., 5 for 5%).",
-    "minimum": 0,
-    "type": "number"
-  },
-  "leaseTermInMonths": {
-    "description": "Lease duration in months.",
-    "exclusiveMinimum": 0,
-    "maximum": 9007199254740991,
-    "type": "integer"
-  },
-  "loanTermInMonths": {
-    "description": "Loan duration in months for purchase.",
-    "exclusiveMinimum": 0,
-    "maximum": 9007199254740991,
-    "type": "integer"
-  },
-  "moneyFactor": {
-    "description": "The money factor for the lease (similar to interest rate).",
-    "exclusiveMinimum": 0,
-    "type": "number"
-  },
-  "monthlyLeasePayment": {
-    "description": "Monthly payment for the lease in USD.",
-    "exclusiveMinimum": 0,
-    "type": "number"
-  },
-  "purchasePrice": {
-    "description": "Total price of the vehicle for purchase in USD.",
-    "exclusiveMinimum": 0,
-    "type": "number"
-  },
-  "residualValuePercentage": {
-    "description": "Estimated value of the vehicle at the end of the lease, as a percentage of MSRP.",
-    "maximum": 100,
-    "minimum": 0,
-    "type": "number"
-  },
-  "salesTaxRate": {
-    "description": "Sales tax rate as a percentage (e.g., 7.5 for 7.5%).",
-    "minimum": 0,
-    "type": "number"
-  },
-  "securityDeposit": {
-    "default": 0,
-    "description": "Refundable deposit paid at the start of the lease in USD.",
-    "minimum": 0,
-    "type": "number"
-  }
-}

removedInput schema / required

Removed value: -[
-  "purchasePrice",
-  "downPayment",
-  "loanTermInMonths",
-  "interestRate",
-  "salesTaxRate",
-  "leaseTermInMonths",
-  "monthlyLeasePayment",
-  "moneyFactor",
-  "residualValuePercentage",
-  "expectedOwnershipInMonths"
-]

changedOutput schema / (root)

Previous value: -{
-  "$schema": "http://json-schema.org/draft-07/schema#",
-  "additionalProperties": false,
-  "properties": {
-    "comparison": {
-      "additionalProperties": false,
-      "properties": {
-        "leaseCostIsLowerBy": {
-          "type": "number"
-        },
-        "purchaseCostIsLowerBy": {
-          "type": "number"
-        },
-        "recommendation": {
-          "type": "string"
-        }
-      },
-      "required": [
-        "purchaseCostIsLowerBy",
-        "leaseCostIsLowerBy",
-        "recommendation"
-      ],
-      "type": "object"
-    },
-    "leaseAnalysis": {
-      "additionalProperties": false,
-      "properties": {
-        "totalCostOfLeasing": {
-          "type": "number"
-        },
-        "totalLeasePayments": {
-          "type": "number"
-        },
-        "totalUpfrontCosts": {
-          "type": "number"
-        }
-      },
-      "required": [
-        "totalLeasePayments",
-        "totalUpfrontCosts",
-        "totalCostOfLeasing"
-      ],
-      "type": "object"
-    },
-    "purchaseAnalysis": {
-      "additionalProperties": false,
-      "properties": {
-        "equityAfterOwnership": {
-          "type": "number"
-        },
-        "monthlyPayment": {
-          "type": "number"
-        },
-        "totalCostOfOwnership": {
-          "type": "number"
-        },
-        "totalInterestPaid": {
-          "type": "number"
-        },
-        "totalLoanPayment": {
-          "type": "number"
-        },
-        "totalSalesTax": {
-          "type": "number"
-        }
-      },
-      "required": [
-        "totalLoanPayment",
-        "totalInterestPaid",
-        "totalSalesTax",
-        "equityAfterOwnership",
-        "totalCostOfOwnership",
-        "monthlyPayment"
-      ],
-      "type": "object"
-    }
-  },
-  "required": [
-    "purchaseAnalysis",
-    "leaseAnalysis",
-    "comparison"
-  ],
-  "type": "object"
-}New value: +null

First observedMay 27, 2026

TDQS

B3.3/5.0

Behavior2/5

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

With no annotations, the description must carry the full burden of behavioral disclosure. It only states that the tool compares costs; it does not disclose whether this is a read-only analysis, what assumptions it makes, what inputs are required, or what kind of result it returns.

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?

The description is a single concise sentence with no filler or repetition. It is appropriately front-loaded, though it is so short that it sacrifices useful detail.

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?

Given there is no output schema, no annotations, and an empty input schema, the description should provide more context about how the comparison works, what cost factors are included, and what the agent can expect in return. The current description is too minimal to fully guide correct invocation.

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?

The tool has zero parameters, and the input schema confirms this, so parameter semantics are largely irrelevant. The baseline of 4 applies because the description does not need to compensate for undocumented parameters.

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

Purpose5/5

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

The description uses a specific verb ('Compare') and identifies the exact resource and scope: total costs of leasing versus buying a vehicle over time. This clearly distinguishes it from sibling tools like compare_car_loans or calculate_loan_payment.

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?

The description gives no guidance on when to use this tool versus alternatives, nor does it mention any prerequisites, exclusions, or contexts where another sibling tool would be more appropriate. Usage is only implicitly inferable from the tool's name.

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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