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Senaro Personal Finance

by ai.senaro
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Cash Advance Analyzer

analyze_cash_advance
Read-onlyIdempotent

Calculation, not advice. Verify with a professional before acting. Deep analysis of a single card's cash advance showing payment allocation, CA interest cost, CA payoff months, and whether the CA is growing. Pick this over calculate_cc_payoff when one card's cash advance is the question: it shows how the CARD Act above-minimum allocation rule, 15 U.S.C. §1666c(b)(1), sends payment above the minimum to the highest-APR segment first, which is the cash advance whenever its rate is the higher one. Pick calculate_cc_payoff for a payoff timeline across several cards or a windfall schedule. The response includes chart_hints with rendering directives any client can use.

Input Schema

NameRequiredDescriptionDefault
chart_titleNoOverride for the chart title. Must not contain em-dashes or en-dashes. Max 120 characters. Optional.
minimum_paymentNoIssuer-stated minimum payment. Decimal, at least 0, at most 2 decimal places. Optional; defaults to auto-calculate when omitted. When supplied, this DOES bind: the per-month mandatory payment is min(max(the representative formula's minimum recomputed from the balance, minimum_payment), the remaining balance, total_monthly_payment). This differs from calculate_cc_payoff's default dynamic path, where the identically-named minimum_payment is parsed and validated but never applied unless fixed_payments = true: the two tools do not share behavior for this parameter, only its name.
purchase_apr_pctYesPurchase APR as a percentage, e.g. 24.99 not 0.2499. Decimal from 0 to 100. REQUIRED, no default.
purchase_balanceYesCurrent balance carrying the purchase APR. Decimal, at least 0. REQUIRED, no default.
cash_advance_apr_pctYesCash advance APR as a percentage. Decimal, greater than 0, at most 100. This tool has no promo input, so 0 is rejected: nothing would say when a 0% rate ends. For a promotional cash advance, use calculate_cc_payoff with a cash_advance segment carrying promo_expires_month and revert_apr_pct. REQUIRED, no default.
cash_advance_balanceYesCurrent balance carrying the cash advance APR. Decimal, greater than 0. REQUIRED, no default.
cash_advance_fee_minNoMinimum dollar cash advance fee, e.g. 10 for $10. Decimal, at least 0. Optional; defaults to 0 when omitted.
cash_advance_fee_pctNoCash advance fee as a percentage of the advance, e.g. 5 for 5%. Decimal, at least 0 and at most 100. Optional; defaults to 0 when omitted.
total_monthly_paymentYesTotal payment applied across both balances this month. Decimal, greater than 0, at most 2 decimal places. REQUIRED, no default.

Schema Changelog

Changes observed during successful MCP inspections.

  1. Changed1 schema field changed
    • changedInput schema / properties / minimum_payment / description
      Previous value: -"Issuer-stated minimum payment. Decimal, at least 0, at most 2 decimal places. Optional; defaults to auto-calculate when omitted. When supplied, this DOES bind: the per-month mandatory payment is min(max(the issuer minimum recomputed from the balance, minimum_payment), the remaining balance, total_monthly_payment). This differs from calculate_cc_payoff's default dynamic path, where the identically-named minimum_payment is parsed and validated but never applied unless fixed_payments = true: the two tools do not share behavior for this parameter, only its name."New value: +"Issuer-stated minimum payment. Decimal, at least 0, at most 2 decimal places. Optional; defaults to auto-calculate when omitted. When supplied, this DOES bind: the per-month mandatory payment is min(max(the representative formula's minimum recomputed from the balance, minimum_payment), the remaining balance, total_monthly_payment). This differs from calculate_cc_payoff's default dynamic path, where the identically-named minimum_payment is parsed and validated but never applied unless fixed_payments = true: the two tools do not share behavior for this parameter, only its name."
  2. Changed1 schema field changed
    • changedInput schema / properties / cash_advance_apr_pct / description
      Previous value: -"Cash advance APR as a percentage. Decimal, greater than 0, at most 100. A cash advance always accrues interest immediately, so 0 is not a valid rate. REQUIRED, no default."New value: +"Cash advance APR as a percentage. Decimal, greater than 0, at most 100. This tool has no promo input, so 0 is rejected: nothing would say when a 0% rate ends. For a promotional cash advance, use calculate_cc_payoff with a cash_advance segment carrying promo_expires_month and revert_apr_pct. REQUIRED, no default."
  3. Changed5 schema fields changed
    • addedInput schema / properties / cash_advance_apr_pct / exclusiveMinimum
      Added value: +0
    • addedInput schema / properties / cash_advance_apr_pct / maximum
      Added value: +100
    • addedInput schema / properties / cash_advance_fee_pct / maximum
      Added value: +100
    • addedInput schema / properties / cash_advance_fee_pct / minimum
      Added value: +0
    • addedInput schema / properties / chart_title / maxLength
      Added value: +120
  4. Changed11 schema fields changed
    • addedInput schema / properties / cash_advance_apr_pct
      Added value: +{
+  "description": "Cash advance APR as a percentage. Decimal, greater than 0, at most 100. A cash advance always accrues interest immediately, so 0 is not a valid rate. REQUIRED, no default.",
+  "type": "number"
+}
    • addedInput schema / properties / cash_advance_balance
      Added value: +{
+  "description": "Current balance carrying the cash advance APR. Decimal, greater than 0. REQUIRED, no default.",
+  "type": "number"
+}
    • addedInput schema / properties / cash_advance_fee_min
      Added value: +{
+  "default": null,
+  "description": "Minimum dollar cash advance fee, e.g. 10 for $10. Decimal, at least 0. Optional; defaults to 0 when omitted.",
+  "type": [
+    "number",
+    "null"
+  ]
+}
    • addedInput schema / properties / cash_advance_fee_pct
      Added value: +{
+  "default": null,
+  "description": "Cash advance fee as a percentage of the advance, e.g. 5 for 5%. Decimal, at least 0 and at most 100. Optional; defaults to 0 when omitted.",
+  "type": [
+    "number",
+    "null"
+  ]
+}
    • addedInput schema / properties / chart_title
      Added value: +{
+  "default": null,
+  "description": "Override for the chart title. Must not contain em-dashes or en-dashes. Max 120 characters. Optional.",
+  "type": [
+    "string",
+    "null"
+  ]
+}
    • addedInput schema / properties / minimum_payment
      Added value: +{
+  "default": null,
+  "description": "Issuer-stated minimum payment. Decimal, at least 0, at most 2 decimal places. Optional; defaults to auto-calculate when omitted. When supplied, this DOES bind: the per-month mandatory payment is min(max(the issuer minimum recomputed from the balance, minimum_payment), the remaining balance, total_monthly_payment). This differs from calculate_cc_payoff's default dynamic path, where the identically-named minimum_payment is parsed and validated but never applied unless fixed_payments = true: the two tools do not share behavior for this parameter, only its name.",
+  "type": [
+    "number",
+    "null"
+  ]
+}
    • addedInput schema / properties / purchase_apr_pct
      Added value: +{
+  "description": "Purchase APR as a percentage, e.g. 24.99 not 0.2499. Decimal from 0 to 100. REQUIRED, no default.",
+  "type": "number"
+}
    • addedInput schema / properties / purchase_balance
      Added value: +{
+  "description": "Current balance carrying the purchase APR. Decimal, at least 0. REQUIRED, no default.",
+  "type": "number"
+}
    • removedInput schema / properties / toolArguments
      Removed value: -{
-  "description": "JSON object with these parameters:\n\npurchase_balance: decimal >= 0 (REQUIRED)\npurchase_apr_pct: decimal 0-100 as percentage (REQUIRED)\ncash_advance_balance: decimal > 0 (REQUIRED)\ncash_advance_apr_pct: decimal > 0, <= 100 (REQUIRED). A cash advance always accrues interest immediately, so 0 is not a valid rate.\ntotal_monthly_payment: decimal > 0, at most 2 decimal places (REQUIRED)\nminimum_payment: decimal >= 0, at most 2 decimal places (optional, default auto-calculate). When supplied, this DOES bind: the per-month mandatory payment is min(max(the issuer minimum recomputed from the balance, minimum_payment), the remaining balance, total_monthly_payment). This differs from calculate_cc_payoff's default dynamic path, where the identically-named minimum_payment is parsed and validated but never applied unless fixed_payments = true: the two tools do not share behavior for this parameter, only its name.\ncash_advance_fee_pct: decimal >= 0 (optional, default 0). e.g. 5 for 5%\ncash_advance_fee_min: decimal >= 0 (optional, default 0). e.g. 10 for $10\nchart_title: string (optional) override for the chart title. Must not contain em-dashes or en-dashes. Max 120 characters."
-}
    • addedInput schema / properties / total_monthly_payment
      Added value: +{
+  "description": "Total payment applied across both balances this month. Decimal, greater than 0, at most 2 decimal places. REQUIRED, no default.",
+  "type": "number"
+}
    • changedInput schema / required
      Previous value: -[
-  "toolArguments"
-]New value: +[
+  "purchase_balance",
+  "purchase_apr_pct",
+  "cash_advance_balance",
+  "cash_advance_apr_pct",
+  "total_monthly_payment"
+]
  5. First observed

TDQS

A4.3/5.0
Behavior4/5

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

Annotations already declare readOnly/idempotent/non-destructive/openWorld=false, so the safety profile is covered. The description adds real behavioral context: the CARD Act §1666c(b)(1) above-minimum allocation rule that drives the computation, the fact that the response carries chart_hints rendering directives, and an explicit not-advice disclaimer. It stops short of describing failure modes or input validation behavior, so 4 rather than 5.

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?

Dense but mostly earning its sentences; the allocation-rule explanation and output inventory are load-bearing. Minor redundancy: calculate_cc_payoff is named twice for routing, and the leading disclaimer boilerplate occupies the highest-value front position before the purpose statement.

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 does name the computed outputs (allocation, CA interest cost, payoff months, growth flag) and flags chart_hints, which is enough for an agent to know what comes back. Return shape and units are still only implied, so a small gap remains for a 9-parameter analytical tool.

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 description coverage is 100%, so the schema already carries all nine parameter semantics, including the cross-tool note about minimum_payment. The description adds no parameter-level meaning of its own, which is the correct baseline-3 situation when the schema does the heavy lifting.

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?

States a specific verb and resource ('deep analysis of a single card's cash advance') and enumerates exactly what it reports: payment allocation, CA interest cost, CA payoff months, and whether the CA is growing. It names the sibling it is not (calculate_cc_payoff) and the condition that separates them, so an agent can route without opening either schema.

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?

Gives explicit two-way routing: 'Pick this over calculate_cc_payoff when one card's cash advance is the question' and 'Pick calculate_cc_payoff for a payoff timeline across several cards or a windfall schedule.' It even notes the parameter-level divergence (minimum_payment binding here vs. not in the sibling), which is unusually precise guidance.

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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