SecureLend Market

Compare lease vs purchase

compare_lease_vs_purchase

Read-only

Compare total costs of leasing versus buying a vehicle over time

Input Schema

Name	Required	Description	Default
`termMonths`	No
`leaseMonthly`	No
`purchasePrice`	No

Schema Changelog

Changes observed during successful MCP inspections.

Changed2 schema fields changedOct 23, 2026

changedInput schema / additionalProperties
```
Previous value: -trueNew value: +false
```

addedInput schema / properties

Added value: +{
+  "leaseMonthly": {
+    "type": "number"
+  },
+  "purchasePrice": {
+    "type": "number"
+  },
+  "termMonths": {
+    "type": "number"
+  }
+}

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

B3/5.0

Behavior3/5

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

The annotations already establish that this is a safe, read-only, closed-world operation. The description adds the useful scope of comparing total costs over time, but it does not disclose calculation assumptions, whether depreciation/residual value/fees/taxes are included, or what the comparison returns.

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 filler or redundancy. It is appropriately concise, though conciseness alone cannot compensate for missing parameter and behavioral 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?

This is a financial comparison tool with three undocumented parameters, no output schema, and no schema descriptions. The description gives only a high-level purpose and leaves out key context needed to invoke it confidently or interpret its results.

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?

Schema description coverage is 0% for three parameters, so the description must compensate but does not. It only hints at lease payments, purchase price, and time horizon without naming parameters, specifying units, or clarifying requiredness.

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 and resource: compare total costs of leasing versus buying a vehicle over time. It clearly distinguishes lease-vs-purchase analysis from generic loan or mortgage calculators, but it does not explicitly differentiate itself from nearby sibling tools such as compare_car_loans.

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?

There is no explicit guidance on when to use this tool versus alternatives like compare_car_loans or calculate_loan_payment. No prerequisites, exclusions, or decision criteria are provided.

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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