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dma9527

irs-taxpayer-mcp

by dma9527

analyze_education_tax_benefits

Read-onlyIdempotent

Compare education tax benefits: AOTC vs Lifetime Learning Credit, student loan interest deduction, and 529 plans. Enter filing status, AGI, and tuition to identify the best fit.

Instructions

Compare education tax benefits: AOTC vs Lifetime Learning Credit, student loan interest deduction, and 529 plan advantages.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
agiYesAdjusted Gross Income
has529PlanNoContributing to or using a 529 plan
isUndergradYesIs the student in first 4 years of undergrad?
tuitionPaidYesTuition and qualified expenses paid
filingStatusYes
contribution529No529 plan contribution this year
yearsAOTCClaimedNoYears AOTC already claimed (max 4)
studentLoanInterestNoStudent loan interest paid this year

Output Schema

TableJSON Schema
NameRequiredDescriptionDefault
textYes
errorNo
isErrorYes

Schema Changelog

Changes observed during successful MCP inspections.

  1. Changed1 schema field changedv1.0.1
    • changedOutput schema / (root)
      Previous value: -nullNew value: +{
      +  "$schema": "http://json-schema.org/draft-07/schema#",
      +  "additionalProperties": false,
      +  "properties": {
      +    "error": {
      +      "additionalProperties": false,
      +      "properties": {
      +        "code": {
      +          "type": "string"
      +        },
      +        "message": {
      +          "type": "string"
      +        },
      +        "suggestion": {
      +          "type": "string"
      +        }
      +      },
      +      "required": [
      +        "code",
      +        "message",
      +        "suggestion"
      +      ],
      +      "type": "object"
      +    },
      +    "isError": {
      +      "type": "boolean"
      +    },
      +    "text": {
      +      "type": "string"
      +    }
      +  },
      +  "required": [
      +    "text",
      +    "isError"
      +  ],
      +  "type": "object"
      +}
  2. First observedv0.5.3

TDQS

A3.7/5.0
Behavior3/5

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

Annotations already declare readOnlyHint=true, idempotentHint=true, and destructiveHint=false, fully covering the safety profile, and 'Compare' is consistent with a read-only analysis. The description adds scope context (which benefits are compared) but not assumptions like federal-only treatment, AGI phaseout handling, or that married_filing_separately filers are ineligible for AOTC/LLC. With strong annotations the burden on the description is lower, so 3 is appropriate. No contradiction with annotations.

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?

A single 16-word sentence that leads with the verb 'Compare' and front-loads the resource before enumerating the benefit categories. Every word earns its place, with no filler and no repetition of schema or annotation content.

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

Completeness3/5

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

For an 8-parameter tool analyzing four distinct tax provisions with eligibility nuances (AOTC 4-year cap, MFS exclusion, income phaseouts), the description is adequate but thin: it names what is compared but not the assumptions or limitations (federal-only scope, whether the taxpayer is assumed to be the student, how phaseouts are applied). The presence of an output schema and strong annotations relieves it of return-value and safety explanation, which prevents a lower score.

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

Parameters3/5

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

Schema description coverage is 88%, so the schema already documents 7 of 8 parameters (filingStatus is self-documenting via its enum), which sets the baseline at 3. The description adds modest value by mapping benefit categories to parameter groups the agent must supply, but it does not explain how values like yearsAOTCClaimed (the 4-year cap) or contribution529 influence the comparison.

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 uses a specific verb ('Compare') with a specific resource ('education tax benefits') and enumerates the four items covered: AOTC, Lifetime Learning Credit, student loan interest deduction, and 529 plan advantages. This enumerated scope clearly distinguishes it from overlapping siblings like list_tax_credits, check_credit_eligibility, and list_deductions without requiring the agent to open the schema.

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 use case is implied — an agent can infer this tool is for comparing education tax benefits — but the description never states when to prefer it over overlapping siblings such as check_credit_eligibility (for 'am I eligible for AOTC?') or list_tax_credits (for 'what credits exist?'). No routing conditions, exclusions, or alternatives are named, leaving selection to inference.

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