calculate_sip_dca

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

The description explains the computation and step-up feature, but with no annotations, it could be more explicit about being a read-only calculation. However, it is sufficiently transparent for a calculator.

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

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

The description is concise with two sentences and example queries, front-loading the purpose and using efficient wording.

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

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

The description covers inputs and usage well, but lacks explanation of the return value format. Given no output schema, it is slightly incomplete but still adequate.

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

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

Schema coverage is 100%, so baseline is 3. The description adds context by explaining SIP/DCA concepts and step-up, going beyond what the schema provides.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Does the description clearly state what the tool does and how it differs from similar tools?

The description clearly states it computes future value of periodic contributions (SIP/DCA) and provides example queries, making the purpose specific and distinguishable from sibling calculator tools.

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

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

The description implies usage via examples but does not explicitly provide when-to-use or when-not-to-use guidelines relative to sibling tools.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.