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

With no annotations, the description carries the full burden. It discloses the computed outputs (monthly payment, total interest, effective APR, amortization schedule) and the optional certificate behavior. It does not mention side effects, but for 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 two sentences with no wasted words. It front-loads the purpose and adds the unique certificate feature at the end. Every sentence provides value.

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?

The tool has no output schema, so the description should convey what is returned. It mentions all key outputs (monthly payment, total interest, APR, amortization schedule). It does not cover edge cases or error handling, but for a calculator this is adequate.

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. It explains the effect of 'certify' (pass true for a verifiable receipt) and highlights 'origination fee' in the context of APR. It does not elaborate on principal, annualRatePct, or termMonths, though these are self-explanatory.

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 the tool calculates personal loan monthly payment, total interest, effective APR including origination fee, and provides a full amortization schedule. It distinguishes itself from sibling calculators by focusing on personal loans with APR and the option for verifiable certificates.

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 implies usage for personal loan calculations but does not explicitly mention alternatives or when not to use it. It says 'Calculate your personal loan...' which gives clear context but lacks exclusions or comparison with sibling loan calculators.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.