Each tool targets a distinct action or resource: adding, listing, deleting expenses, summarizing months, setting budgets, and listing categories. There is no meaningful overlap that would cause an agent to select the wrong tool.

Most tools follow a clear verb_noun pattern: add_expense, list_expenses, delete_expense, set_budget, list_categories. The one deviation is monthly_summary, which uses a noun phrase instead of a verb_prefix, but it is still readable and predictable.

Six tools is well-scoped for a monthly expense management server. Each tool covers a necessary part of the domain without redundancy or bloat.

The tool surface covers creating, reading, and deleting expenses, plus monthly summaries and budgeting. The main gap is the lack of an update_expense tool, but users can work around it by deleting and re-adding an expense.