SecureLend Market

compare_lease_vs_purchase

Read-only

Calculates and compares the total cost of leasing versus purchasing a vehicle over the same time period, based on user-supplied vehicle price, down payment, loan/lease terms, and residual value. Pure calculation using user inputs — no external data is accessed.

Input Schema

TableJSON Schema

Name	Required	Description
`downPayment`	Yes	Upfront payment amount for purchase in USD.
`moneyFactor`	Yes	The money factor for the lease (similar to interest rate).
`interestRate`	Yes	Annual interest rate for purchase loan (e.g., 5 for 5%).
`salesTaxRate`	Yes	Sales tax rate as a percentage (e.g., 7.5 for 7.5%).
`purchasePrice`	Yes	Total price of the vehicle for purchase in USD.
`acquisitionFee`	No	Fee charged by the lessor to initiate the lease in USD.
`securityDeposit`	No	Refundable deposit paid at the start of the lease in USD.
`loanTermInMonths`	Yes	Loan duration in months for purchase.
`leaseTermInMonths`	Yes	Lease duration in months.
`monthlyLeasePayment`	Yes	Monthly payment for the lease in USD.
`residualValuePercentage`	Yes	Estimated value of the vehicle at the end of the lease, as a percentage of MSRP.
`expectedOwnershipInMonths`	Yes	How long you plan to keep the vehicle, in months.

Output Schema

TableJSON Schema

Name	Required	Description	Default
`comparison`	Yes
`leaseAnalysis`	Yes
`purchaseAnalysis`	Yes

TDQS

A4.2/5.0

Behavior4/5

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

Annotations already mark the tool as read-only, but the description adds valuable context with 'Pure calculation using user inputs — no external data is accessed.' This reinforces the safety profile and goes beyond the annotation hints. No contradictions with annotations exist.

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 two sentences, with the primary purpose front-loaded in the first sentence and the second sentence efficiently clarifying the pure-calculation nature. No extraneous words or redundant repetition of schema details.

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?

Given 12 parameters and an output schema, the description does not need to explain return values. It effectively states the tool's scope and data handling, making the tool selectable and invocable. Minor gap: it does not mention alternative tool usage, but the unique purpose mitigates this.

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 coverage is 100% (all 12 parameters have descriptions), so the bar is set at baseline 3. The description summarizes key parameter groups (price, down payment, terms, residual value) but does not add syntax or format details beyond the schema. It provides a helpful high-level context without compensating for any missing parameter info.

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 opens with a specific verb phrase 'Calculates and compares the total cost of leasing versus purchasing a vehicle,' which clearly identifies the tool's function and resource. It also distinguishes from sibling tools by focusing on the lease-vs-purchase decision, which is not covered by other compare_* tools.

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?

The description provides clear context: it applies to comparing lease vs purchase over the same time period and explicitly states it uses user-supplied inputs. While it does not name alternatives or exclusions, the tool's unique scope makes its usage context clear enough.

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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TDQS

A4.1/5.0

Disambiguation4/5

Most tools have clear, distinct purposes, but there are a few potentially confusing pairs. Compare_personal_banking and compare_savings_accounts overlap somewhat, and calculate_loan_payment could be mistaken for covering mortgages despite calculate_mortgage_payment existing. Overall, descriptions help resolve most ambiguity.

Naming Consistency5/5

Tool names follow a consistent verb_noun pattern throughout: compare_* for comparisons, calculate_* for calculations, display_* for forms, submit_* for submissions, and get_* for offers. All names use lowercase with underscores, creating a predictable and uniform naming scheme.

Tool Count4/5

With 22 tools, the count is on the higher side but appropriate given the broad financial marketplace domain. Each tool covers a specific product category or workflow step, so the size feels justified rather than bloated. It is slightly heavy but not excessive for the scope.

Completeness4/5

The tool surface covers comparison, calculation, lead generation, prequalification, document upload, and status tracking, forming a comprehensive marketplace workflow. Minor gaps exist, such as no tools for updating or canceling applications, but these are workarounds and the core user journey is well supported.

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