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Senaro Personal Finance

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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

TableJSON 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 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.
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. A cash advance always accrues interest immediately, so 0 is not a valid rate. 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. 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
  2. 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"
+]
  3. First observed

TDQS

A4.3/5.0
Behavior4/5

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

Annotations already carry the safety profile (readOnlyHint=true, idempotentHint=true, destructiveHint=false), so the description correctly does not repeat it. It adds genuine behavioral context beyond the annotations: the CARD Act §1666c(b)(1) above-minimum allocation rule and its consequence for the cash advance segment. The 'Calculation, not advice' disclaimer is mild filler, but the CARD Act explanation earns credit for disclosing the tool's underlying behavior.

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 front-loaded with purpose before differentiation, and every sentence earns its place — the purpose, the sibling routing, and the chart_hints note all carry information. The leading 'Calculation, not advice. Verify with a professional before acting.' is slightly redundant filler, and the legal citation is detailed but justifiable. Minor trimming would make it ideal.

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?

For a 9-parameter tool with rich annotations and 100% schema coverage, the description covers purpose, sibling differentiation, and hints at the response shape via chart_hints (partially compensating for the absent output schema). The close sibling calculate_cc_payoff is fully addressed, and other siblings are clearly unrelated by domain. Slightly more on output/return behavior would round it out, but nothing critical is missing.

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% — all 9 parameters carry their own rich descriptions, including an extensive note on minimum_payment clarifying how it binds versus calculate_cc_payoff's identically-named parameter. The description itself adds no parameter detail, which is appropriate since the schema does the heavy lifting. Baseline 3 is correct.

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+resource combination ('Deep analysis of a single card's cash advance') and enumerates concrete outputs: payment allocation, CA interest cost, CA payoff months, and whether the CA is growing. It explicitly distinguishes itself from calculate_cc_payoff, making sibling differentiation immediate and unambiguous.

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?

Usage guidance is explicit and action-oriented: '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 states both when to use this tool and when to use the alternative, leaving nothing to inference.

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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