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Scored across 27 tools
Most tools are cleanly scoped by resource and action (purchase.*, expense.*, todo.*, project.*), so an agent can distinguish them. Minor ambiguity exists between document-level tools like recurring.update and cats.update, and between project.update (phase pointer) and phase.status.set.
The dominant pattern is resource.action in dot notation (purchase.create, todo.update, budget.get), which is consistent and readable. Deviations like phase.status.set and the list/get/create/update/delete/save verb mix are minor.
27 tools is on the heavy side, but they are spread across nine coherent domains (purchase, expense, todo, project, phase, budget, analytics, recurring, categories). Each tool mostly earns its place, though the surface is near the upper bound of comfortable tool counts.
Core lifecycles are well covered: full CRUD for purchase, expense, todo, and project, plus phase status control, budgets, analytics, and recurring/category documents. Small gaps remain, such as explicit create/delete operations for recurring items and categories (handled indirectly via update), but these are workable.