calculators

Lease vs Buy a Car Calculator

lease_vs_buy_car_calculator

Lease vs Buy a Car Calculator — Compare leasing versus buying a car over the same time horizon. See each total cost, the difference, and true net cost per month once resale value is counted.

Tool call template

Replace each placeholder with a value matching the input schema. Only required parameters are included; add optional parameters as needed.

{
  "id": 1,
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "arguments": {
      "horizonMonths": "<horizonMonths>",
      "leaseDownPayment": "<leaseDownPayment>",
      "leaseMonthly": "<leaseMonthly>",
      "leaseFees": "<leaseFees>",
      "buyDownPayment": "<buyDownPayment>",
      "buyMonthly": "<buyMonthly>",
      "estimatedMaintenance": "<estimatedMaintenance>",
      "resaleValue": "<resaleValue>"
    },
    "name": "lease_vs_buy_car_calculator"
  }
}

Input Schema

Name	Required	Description	Default
`leaseFees`	Yes
`buyMonthly`	Yes
`resaleValue`	Yes
`leaseMonthly`	Yes
`horizonMonths`	Yes
`buyDownPayment`	Yes
`leaseDownPayment`	Yes
`estimatedMaintenance`	Yes

Schema Changelog

Changes observed during successful MCP inspections.

First observedJul 5, 2026

TDQS

A3.7/5.0

Behavior3/5

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 that it computes each total cost, the difference, and true net cost per month after accounting for resale value. However, it omits assumptions like whether taxes, fees, or financing terms are included, and does not explain how maintenance is handled, leaving room for ambiguity.

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 brief, but the opening phrase 'Lease vs Buy a Car Calculator' duplicates the tool title. The rest is informative and front-loaded, explaining the comparison logic and outputs without extraneous detail.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness3/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

Given the lack of output schema and annotations, and 8 required parameters, the description provides a high-level overview but does not fully explain parameter interactions or edge cases. It is minimally sufficient for an agent to understand the tool's purpose and invoke it, but it leaves out important semantic details.

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%, and the description does not define the eight parameters. It only references resale value and net cost per month. Parameters like leaseFees, estimatedMaintenance, and horizonMonths are not clarified beyond their names, so the description fails to compensate for the missing schema documentation.

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 clearly states the tool's function: compare leasing versus buying a car over the same time horizon. It distinguishes from siblings like car_lease_calculator (lease-only) and car_loan_calculator (loan-only) by focusing on the comparison and the resale value adjustment.

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 implies usage when a user wants a lease-vs-buy comparison for a car, making it clear when this tool is appropriate versus lease-only or buy-only calculators. However, it does not explicitly mention sibling alternatives or exclusions, so it lacks direct when-not-to-use 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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