Loan / Mortgage Amortization

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

No annotations provided, but the description transparently explains the tool's function (build schedule, accept extra payments, report interest savings and payoff date). Missing details on side effects or read-only nature, but these are implicitly understood for a calculation tool.

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?

Two sentences, no filler, front-loaded with main purpose. Every sentence adds value.

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 complex tool with 5 parameters and no output schema, the description adequately explains purpose and key outputs. However, it could mention the return format to complete the picture.

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%, so baseline is 3. The description adds value beyond schema by mentioning 'recurring extra principal payments' and 'reports the interest those extra payments save plus the new payoff date', which contextualizes the extraPayment parameter and output behavior.

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 builds a full amortization schedule for loans, specifies support for extra principal payments and reporting of savings, and distinguishes from siblings by mentioning fixed-rate installment loans.

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?

Explicitly states use cases (mortgages, auto loans, fixed-rate loans), but lacks explicit when-not-to-use or alternative suggestions, which would further clarify against sibling tools like debt_payoff.

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