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FalaZuki Finance BR

calculate_rent_affordability

Calcula quanto de aluguel cabe numa renda, pela regra de mercado brasileira (renda de pelo menos 3x o aluguel, ou seja, aluguel de no máximo um terço da renda) e também pelo orçamento real, descontando condomínio, IPTU e contas do mesmo teto. Parâmetros obrigatórios: monthly_income. Opcionais: condo_fee, property_tax_monthly, utilities. Use exatamente estes nomes, em inglês.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
condo_feeNoCondomínio mensal, em R$
utilitiesNoLuz, água, gás e internet somados, por mês, em R$
monthly_incomeYesRenda mensal líquida da casa, em R$
property_tax_monthlyNoIPTU mensal (o anual dividido por 12), em R$

TDQS

A3.9/5.0
Behavior4/5

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

With no annotations, the description carries the disclosure burden and does well by exposing the exact formula logic: minimum rent-to-income ratio and deduction of condo/IPTU/utilities from the real budget. It does not disclose the return shape or behavior on insufficient income, but the core calculator behavior is transparent.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness5/5

Is the description appropriately sized, front-loaded, and free of redundancy?

Three dense sentences front-load the purpose and calculation rules, then list parameters and naming requirements. Every sentence earns its place with no filler.

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?

The description fully explains inputs and the calculation approach, but there is no output schema and no mention of the return format. Because two calculation modes are described, it is ambiguous whether the tool returns a single value or a breakdown, which an agent needs to know to use the result correctly.

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 coverage is 100%, so the schema already documents every parameter; the description adds only the explicit required/optional split and the instruction to use exact English names. This is useful but adds limited semantic meaning beyond the schema.

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 opens with a concrete verb+resource ('Calcula quanto de aluguel cabe numa renda') and pins down the exact rules used (3x income rule and real budget after condo/IPTU/utilities). This separates it from rent_adjustment and rent_vs_buy siblings even without naming them.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines3/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

The description gives a clear context for when the calculation applies (Brazilian market rule and real household budget), but it never states when to prefer this tool over alternatives or mentions sibling calculators. Usage is implied by the scenario rather than explicitly guided.

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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TDQS

B3.2/5.0
Disambiguation2/5

Many tools are clearly distinct, but the set contains several near-identical clusters: calculate_dividend_income_goal and calculate_dividend_yield both answer 'how much capital is needed to reach a dividend income target', and calculate_real_salary, calculate_raise_vs_inflation, and calculate_salary_time_value overlap heavily on salary/inflation comparisons. Generic tools like compare_investments and compare_with_cdb also blur the boundary with the many specific yield calculators.

Naming Consistency3/5

Most tools follow a clear verb_noun snake_case pattern with verbs like calculate_, get_, check_, compare_, and advise_. However, the object language is inconsistent (calculate_ganho_capital_imovel alongside calculate_car_affordability), and can_i_quit_job breaks the command-style pattern with a question.

Tool Count1/5

At 114 tools, the server is extremely over-scoped for an MCP surface; an agent cannot reasonably hold all these options in context. The inclusion of a search_calculator tool to route among the others is a strong signal that the tool set itself needs partitioning.

Completeness4/5

The surface is very comprehensive for Brazilian personal finance: employment, taxes, investments, debt, real estate, vehicles, small business, insurance, and market-data queries are all covered. A few minor gaps exist, such as no dedicated generic boleto-fine calculator or consolidated investment comparison engine, but no core workflow feels badly stranded.

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