createAccount

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

The description only says 'Creates a new account' without any details on side effects, authorization needs, or whether the account is immediately usable. No annotations are provided, so the description carries the full burden but fails to disclose behavioral traits beyond the minimal purpose.

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 a single, front-loaded sentence with no extraneous words. It efficiently conveys the core action and object.

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?

For a tool that creates an account with nested required fields, the description is insufficient. Missing details include return value (e.g., created account id), error conditions, and whether the operation is destructive or reversible. Given the lack of output schema and annotations, the description should compensate but does not.

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?

The input schema already provides detailed descriptions for 'plan_id' and the 'account' object's properties. With a schema description coverage of 50%, the description adds no new meaning beyond stating the tool's purpose, so it scores at the baseline for covered parameters.

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 verb 'creates' and the resource 'account', making it apparent that this tool creates a new account in the YNAB system. However, it does not differentiate it from sibling tools like 'createCategory' or 'createTransaction', which also create resources.

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?

No guidance is provided on when to use this tool versus alternatives (e.g., 'createTransaction' for transactions). There is no mention of prerequisites, required setup, or scenarios where this tool is appropriate.

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