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Glama

Tu Lugar

by com.tulugar

Mortgage Calculator

mortgage_calculator
Read-only

Estimate a monthly mortgage payment and total interest for a buyer. Currency-agnostic. Optionally pass monthly_income for a debt-to-income ratio. This is an informational arithmetic estimate only — not financial advice, a loan offer, or a rate quote.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
principalYesLoan amount
term_yearsYesLoan term in years (1–50)
annual_rateYesAnnual interest rate, as a decimal (0.065) or percent (6.5)
monthly_incomeNoOptional — enables a debt-to-income ratio

TDQS

A4.4/5.0
Behavior4/5

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

Beyond the readOnlyHint annotation, the description clarifies the tool is an 'informational arithmetic estimate' and not financial advice, adding important behavioral context.

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, each carrying distinct value: main purpose, key attribute (currency-agnostic), and disclaimer. No redundancy, front-loaded.

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?

The description covers purpose, usage, and limitations well. Although no output schema exists, the tool's straightforward arithmetic nature and the clear parameter descriptions compensate.

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?

With 100% schema coverage, the baseline is 3. The description adds meaning by noting currency-agnosticism, the optional DTI capability, and the flexible format for annual_rate (decimal or percent).

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 precise verbs ('estimate') and specific nouns ('monthly mortgage payment and total interest'), clearly distinguishing from sibling tools like 'closing_costs' or 'rental_yield'.

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 states when to use (to estimate mortgage payments) and provides optional parameters for DTI, but does not explicitly say when not to use or contrast with alternatives.

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

A3.7/5.0
Disambiguation4/5

Most tools have clearly distinct purposes, but there is some overlap between 'search' and 'search_listings', and between 'fetch' and 'get_listing'. However, descriptions effectively differentiate them.

Naming Consistency3/5

Naming follows multiple patterns: verb_noun (create_listing), noun (closing_costs), get_*, search_*, my_*. While each pattern is internally consistent, the mix reduces overall consistency.

Tool Count3/5

39 tools is relatively high, but they cover a broad set of real estate functionalities. The count feels slightly heavy but is justified by the domain scope.

Completeness5/5

The tool set covers the full lifecycle of listings (CRUD, promotion, sharing), account management, search with multiple filters, market data, guides, and lead management. No obvious gaps for the platform's purpose.

Resources