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Scored across 10 tools
Most tools target distinct financial calculations, but gross_margin and percent_change both compute margin/markup, creating ambiguity. The general calculate tool also overlaps with simple computations, though it's clearly a catch-all.
Tool names follow no consistent verb_noun pattern; some are nouns (depreciation, loan_amortization), some are verb phrases (calculate), and some are compound terms (us_income_tax_estimate). While all use snake_case, the structural inconsistency makes it harder to predict tool names.
10 tools is well-scoped for a finance calculator, covering a broad range of common financial calculations without excessive redundancy. Each tool has a clear domain purpose.
The toolset covers profitability, tax, depreciation, payroll, loans, break-even, percentage changes, and formatting. Minor gaps like NPV/IRR or compound interest exist, but core financial analysis needs are well covered.