loan_calculator

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

No annotations are provided, so the description must disclose behavior. It lists the computed outputs (payment, interest, amortization) but does not mention assumptions (e.g., fixed rate, equal payments) or limitations. This is adequate but not thorough.

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?

A single, concise sentence that is front-loaded with the action. Every word is necessary and no extraneous information.

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 lacks detail about the output format (e.g., are values rounded? Is an amortization schedule returned?). Without an output schema, more specificity would help an agent use the tool correctly.

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% with clear parameter descriptions. The description adds value by specifying outputs like 'amortization' which is not in the input schema, enhancing the agent's understanding of the tool's purpose.

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 the tool calculates monthly loan payment, total interest, and amortization. It uses a specific verb (calculate) and resource (loan parameters) and distinguishes from sibling tools like compound_interest_calculator.

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 for standard amortizing loans but does not explicitly state when to use or not use this tool versus alternatives like compound_interest_calculator or break_even_calculator.

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