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FalaZuki Finance BR

calculate_retirement

Projeta quando e com quanto a pessoa se aposenta pela regra permanente da EC 103/2019: idade mínima, tempo mínimo, percentual da média e o piso de um salário mínimo. Parâmetros obrigatórios: gender, current_age, contribution_years, average_salary. Use exatamente estes nomes, em inglês.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
genderYesDefine idade e tempo mínimos: 65 anos e 20 de contribuição para homem, 62 e 15 para mulher.
current_ageYesIdade hoje, em anos
average_salaryYesSalário usado como proxy da média das contribuições, em R$. O cálculo real usa a média de todo o histórico desde julho de 1994.
contribution_yearsYesTempo já contribuído, em anos

TDQS

A4.2/5.0
Behavior3/5

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

There are no annotations, so the description carries the burden of behavioral disclosure. It explains what the tool computes and which rule it applies, which covers the main behavioral expectations. However, it does not disclose any limitations, assumptions beyond the rule, or the nature of the return values (e.g., that it is a projection, not an official calculation). This is adequate but not rich.

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 sentences with no waste: the first establishes purpose and scope, the second lists required parameters, the third enforces naming. The most important information is front-loaded, and every sentence earns its place.

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

Completeness4/5

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

Given that there is no output schema and no annotations, the description does most of the work and does it well: it states the rule, the inputs, and what will be projected. The main omission is a description of the output format or return values, but the phrase 'quando e com quanto' implies the expected result. This is close to complete for a calculator-style tool.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters4/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema coverage is 100%, so the baseline is 3. The description adds meaningful value by explicitly warning to use the exact parameter names in English, which prevents translation/localization errors in an otherwise Portuguese-language description. It also lists the required parameters, reinforcing the schema's required field array.

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 uses a specific verb ('Projeta') with a clear resource (retirement under the permanent EC 103/2019 rule), and enumerates what the projection covers: minimum age, minimum contribution time, percentage of average salary, and the minimum wage floor. It clearly distinguishes itself from the sibling 'calculate_transicao_aposentadoria' by explicitly naming the permanent rule.

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 clearly identifies the intended use case: projecting retirement under the permanent EC 103/2019 rule. It does not explicitly state when NOT to use the tool or name alternative calculators, but the rule-specific context is enough for an agent to select it appropriately. The instruction to use exact English parameter names is also a useful usage cue.

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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