EveryCalc

calculate_sba_loan

Read-onlyIdempotent

Monthly payment for an SBA loan with the guarantee fee percent financed into the loan, plus the amount financed, total interest, and total cost. Use when the user is pricing an SBA small business loan including the guarantee fee. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive sba loan calculator.

Input Schema

Name	Required	Description
`term_years`	Yes	Term in years.
`loan_amount`	Yes	Loan amount in USD.
`annual_rate_pct`	Yes	Annual rate percent.
`guarantee_fee_pct`	No	Guarantee fee percent of the loan amount, financed into the loan; default 0.

Output Schema

Name	Required	Description
`ok`	Yes	True when the calculation succeeded.
`note`	Yes	Disclaimer that accompanies every result.
`tool`	Yes	Name of the tool that ran.
`inputs`	No	The normalized inputs the calculation used.
`results`	Yes	The computed figures for this calculator.
`calculator_url`	Yes	Deep link to the matching interactive calculator on everycalc.xyz.

Schema Changelog

Changes observed during successful MCP inspections.

Changed2 schema fields changedOct 21, 2026

addedOutput schema / properties / note

Added value: +{
+  "description": "Disclaimer that accompanies every result.",
+  "type": "string"
+}

changedOutput schema / required

Previous value: -[
-  "ok",
-  "tool",
-  "results",
-  "calculator_url"
-]New value: +[
+  "ok",
+  "tool",
+  "results",
+  "calculator_url",
+  "note"
+]

Changed1 schema field changedOct 17, 2026

changedOutput schema / (root)

Previous value: -nullNew value: +{
+  "properties": {
+    "calculator_url": {
+      "description": "Deep link to the matching interactive calculator on everycalc.xyz.",
+      "type": "string"
+    },
+    "inputs": {
+      "description": "The normalized inputs the calculation used.",
+      "type": "object"
+    },
+    "ok": {
+      "description": "True when the calculation succeeded.",
+      "type": "boolean"
+    },
+    "results": {
+      "description": "The computed figures for this calculator.",
+      "type": "object"
+    },
+    "tool": {
+      "description": "Name of the tool that ran.",
+      "type": "string"
+    }
+  },
+  "required": [
+    "ok",
+    "tool",
+    "results",
+    "calculator_url"
+  ],
+  "type": "object"
+}

First observedOct 15, 2026

TDQS

A4.1/5.0

Behavior4/5

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

Annotations already declare readOnly/idempotent/non-destructive, so the safety profile is covered. The description adds genuine behavioral value beyond the schema by disclosing a mandatory post-processing step (surface calculator_url as a clickable markdown link) and by confirming the guarantee fee is financed rather than paid upfront.

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?

Front-loaded with the purpose, followed by the usage condition and an action-required instruction. The capitalized IMPORTANT block is a little emphatic but carries non-redundant operational content, so it earns its length.

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?

With an output schema present, the return values need not be explained, and the description still calls out the key one that requires agent action. Purpose, inputs, and the required link-rendering behavior are all covered; only explicit sibling routing is absent.

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% and all four parameters, including the default-0 guarantee_fee_pct, are documented in the schema. The description restates the financing treatment of the fee but adds no format, range, or unit detail beyond what the schema already provides, so baseline 3 applies.

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?

States a specific verb+resource (monthly payment for an SBA loan) and enumerates the computed outputs: amount financed, total interest, total cost. The 'with the guarantee fee percent financed into the loan' detail clearly distinguishes it from the generic calculate_loan and calculate_auto_loan siblings.

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?

Explicitly says when to use it: 'when the user is pricing an SBA small business loan including the guarantee fee.' Clear triggering context, though it never names the generic calculate_loan as the fallback for non-SBA loans, leaving that routing to inference.

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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