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wealthpulse

Provides personal finance intelligence using live FRED rate data. Analyze financial health, retirement readiness, debt payoff, credit card optimization, mortgage affordability, Social Security claiming, tax optimization, and more.

Instructions

WealthPulse: Personal finance intelligence API. 12 endpoints grounded in live FRED rate data — financial health, retirement, debt, credit cards, mortgage, Social Security, tax optimization, Roth vs Traditional, em

Coverage: Global

Endpoints: • snapshot ($0.15): Financial health snapshot • retire ($0.15): Retirement readiness projection • debt ($0.10): Debt payoff strategy • cards ($0.10): Credit card optimization • mortgage ($0.10): Mortgage affordability analysis • debt-negotiate ($0.15): DIY debt negotiation protocol • advisor ($0.10): Financial advisor intelligence • ssa ($0.15): Social Security claiming strategy • tax ($0.15): Year-end tax optimization • roth ($0.10): Roth vs Traditional IRA/401k decision • emergency ($0.10): Emergency fund sizing • inheritance ($0.10): Inherited IRA and estate rules

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
ageNoage
debtNodebt
downNodown
firmNoFor action=vet
langNolang
nameNoRequired for action=vet
typeNocredit_card | medical | personal | auto | student
debtsNoname:balance:rate format, comma-separated (e.g. credit-card:8500:24,car-loan:12000:6.5)
extraNoextra
stateNostate
actionNoaction
healthNohealth
incomeNoAnnual income in USD
balanceNobalance
monthlyNomonthly
savingsNosavings
advisorsNoRequired for action=compare
creditorNocreditor
expensesNoMonthly expenses in USD
job_typeNojob_type
locationNolocation
your_ageNoyour_age
retire_atNoretire_at
situationNosituation
specialtyNoRequired for action=find
birth_yearNoYear of birth (used to calculate Full Retirement Age)
dependentsNodependents
account_typeNoaccount_type
credit_scoreNocredit_score
current_fundNoExisting emergency fund in USD
relationshipNorelationship
filing_statusNofiling_status
spend_profileNospend_profile
target_incomeNotarget_income
employer_matchNoemployer_match
marital_statusNomarital_status
original_owner_ageNoOriginal owner's age at time of death
Behavior2/5

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

No annotations are provided, so the description bears full responsibility for behavioral disclosure. It mentions that data is 'grounded in live FRED rate data' but lacks details on rate limits, cost per request (prices are listed but not tied to API usage), data persistence, or side effects.

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

Conciseness3/5

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

The description is long and includes a bullet list of endpoints, which is moderately structured. However, it could be more concise by focusing on the tool's overall behavior and reducing redundancy.

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

Completeness2/5

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

With 37 parameters, no output schema, and no annotations, the description is insufficient. It fails to explain how parameters relate to the action parameter or what the return values look like, leaving agents under-informed for correct invocation.

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

Parameters2/5

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

Although schema coverage is 100%, all parameter descriptions are tautological (e.g., 'age: age'). The description does not elaborate on parameter usage or valid values, and the 'action' parameter lacks enumeration, leaving agents uncertain about valid actions.

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

Purpose3/5

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

The description states 'Personal finance intelligence API' and lists 12 endpoints with prices. However, it does not clearly define the single purpose of the tool; instead it presents multiple distinct functions. This creates ambiguity about when to use wealthpulse versus sibling tools like debtpulse or taxpulse.

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

Usage Guidelines2/5

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

No guidance is provided on when to use this tool versus alternatives. The description lists many endpoints but does not explain how to select the appropriate action parameter or when not to use the tool.

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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