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FalaZuki Finance BR

calculate_rent_vs_buy

Compara alugar vs comprar imóvel considerando custo de oportunidade, valorização e custos totais. Parâmetros obrigatórios: property_value, down_payment, monthly_rent. Opcionais: financing_rate, financing_months, itbi_percent, registry_percent, rent_adjustment, property_appreciation, investment_return. Use exatamente estes nomes, em inglês.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
down_paymentYesEntrada disponível em R$
itbi_percentNoITBI em % do valor do imóvel. Varia de 2% a 3% por município.
monthly_rentYesAluguel mensal equivalente em R$
financing_rateNoTaxa de juros anual do financiamento (%)
property_valueYesValor do imóvel em R$
rent_adjustmentNoReajuste anual do aluguel em %.
financing_monthsNoPrazo do financiamento em meses
registry_percentNoEscritura e registro em % do valor do imóvel.
investment_returnNoRetorno anual se investir a entrada (%)
property_appreciationNoValorização anual do imóvel (%)

TDQS

A3.8/5.0
Behavior3/5

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

No annotations are provided, so the description carries the behavioral disclosure burden. It explains that the tool considers opportunity cost, appreciation, and total costs, and warns to use exact parameter names. However, it does not describe the output format, assumptions, or that it is a read-only calculation, leaving part of the behavioral profile undisclosed.

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 a compact paragraph with the purpose front-loaded, followed by required and optional parameter lists, ending with a clear instruction on naming. There is no filler or redundant elaboration; every sentence adds value.

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 tool has 10 parameters and no output schema, so the description should compensate by explaining the comparison result or return format. It covers inputs and methodology but does not describe what the output contains, which an agent would need to interpret results. The use of Portuguese, while likely intentional, may also limit accessibility.

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%, so all 10 parameters are already documented with units, defaults, and constraints. The description lists parameter names and required/optional status, which largely duplicates the schema. The note to use exactly these names adds operational guidance but not deeper parameter meaning.

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 purpose: comparing renting vs buying a property, and explicitly lists the factors considered (opportunity cost, appreciation, total costs). This distinguishes it from sibling tools like calculate_rent_affordability or calculate_financing, which address narrower aspects.

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 provides clear context by listing required and optional parameters and instructing to 'use exactly these names', which guides correct invocation. It does not explicitly name alternatives or exclusion conditions, but the comparison-focused wording makes the intended use obvious alongside the sibling tools.

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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