summarize_spending

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

The description explicitly states 'Read-only' and explains default exclusions, providing behavioral context beyond the input schema. However, it could mention additional traits like data limits or response format.

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 concise (three sentences) and front-loaded with the core purpose. Every sentence adds value, no fluff or repetition.

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?

Given no output schema and no annotations, the description provides a solid overview of inputs and output components (totals, counts, top buckets, trend, transaction ids). It lacks details on output format and error conditions, but is sufficient for an agent to understand the tool's basic behavior.

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?

With 0% schema description coverage, the description compensates by explaining most parameters (date range, grouping, exclusion defaults, render_markdown). The db_path parameter is not explained, but it's optional and relatively self-evident.

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's purpose: 'Summarize outflow spending over a date range' with specific grouping options and output details, distinguishing it from siblings that are more about listing or importing data.

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?

The description implies usage context (e.g., excludes transfers and income by default, use render_markdown for markdown output) but does not explicitly name alternatives or specify when not to use this tool.

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