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bkichler

monarch-mcp

by bkichler

list_accounts

Retrieve all linked financial accounts with current balances and metadata for personal finance tracking.

Instructions

List all configured accounts with current balances and metadata.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault

No arguments

Output Schema

TableJSON Schema
NameRequiredDescriptionDefault

No arguments

Behavior3/5

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

No annotations are provided, so the description must carry the burden. It indicates a read operation by saying 'list', but does not disclose potential behaviors such as pagination, rate limits, or required permissions. With no parameters and an output schema present, the description is minimally adequate.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness5/5

Is the description appropriately sized, front-loaded, and free of redundancy?

The description is a single sentence with no extraneous words. It is front-loaded and immediately conveys the tool's purpose. Every part earns its place.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness4/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

Given the tool's simplicity (no parameters, output schema exists), the description is complete enough. It covers the action, resource, and included data. However, it could optionally mention the output format or any default sorting if relevant.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters4/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

The input schema has no parameters, and schema description coverage is 100%. The description adds value by specifying what is included (balances and metadata), which is not detailed in the schema. For a parameterless tool, this is sufficient.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description clearly states the verb 'list' and the resource 'accounts', specifying that it retrieves 'current balances and metadata'. This effectively distinguishes it from sibling tools like list_categories and list_tags, which operate on different resources.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines3/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

The description implies usage for retrieving all accounts, but does not provide explicit guidance on when to use this tool versus alternatives like get_account_history or get_budgets. The context suggests it is for a broad listing, but exclusions or specific scenarios are not mentioned.

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

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