car_loan_calculatorCar Loan Calculator with Sales Tax and Trade-In — Calculate your exact monthly car payment including sales tax and trade-in. View your full amortization schedule, total interest paid, and cost of ownership.
| Name | Required | Description | Default |
|---|---|---|---|
| termMonths | Yes | ||
| downPayment | Yes | ||
| salesTaxPct | Yes | ||
| tradeInValue | Yes | ||
| vehiclePrice | Yes | ||
| annualRatePct | Yes |
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations are provided, so the description carries the full burden. It discloses key behavioral aspects by listing the outputs (monthly payment, amortization schedule, total interest, cost of ownership), giving the agent a concrete sense of what the calculation will return. It does not mention any side effects, but as a calculator tool, this is sufficient.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is concise but starts with a redundant repetition of the title, which does not earn its place. The second sentence adds valuable output information. Overall, it is short and readable but not optimally structured.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
With six required parameters and no annotations or output schema, the description provides a high-level overview but lacks details on calculation formulas, trade-in handling, and response shape. It adequately describes what the tool does, but a more complete description would clarify how inputs affect the calculation and how to interpret the results.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema description coverage is 0%, so the description must compensate for the six parameters. It only references sales tax and trade-in at a high level, but does not explain how tradeInValue is applied (e.g., deducted before tax), how salesTaxPct is calculated, or whether annualRatePct is APR vs monthly. Parameter names provide some hints, but the description adds minimal semantic value beyond the schema.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states a specific action ('Calculate your exact monthly car payment') and includes the key differentiators of sales tax and trade-in. It also lists specific outputs (amortization schedule, total interest, cost of ownership), which distinguishes it from sibling tools like car_affordability_calculator and loan_amortization_calculator.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description clearly implies when to use this tool: when calculating a car loan payment that includes sales tax and trade-in. However, it does not explicitly state exclusions or name alternative tools, so it falls slightly short of a 5.
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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