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erikrubstein

monarch-mcp2

by erikrubstein

Budget Create Budget

budget_create_budget

Create a budget for a specified month. Input the month to set or update budget data in Monarch Money.

Instructions

Create budget. This may create or update Monarch data.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
monthYes
fieldsNoOptional dotted output field paths to return, such as ['id', 'merchant.name', 'category.name'].
output_modeNoOutput shape to return. Use summary for compact CLI-style defaults, full for complete structured data without raw, and raw for complete structured data including raw payloads.summary
session_pathNo
Behavior2/5

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

The description says 'may create or update Monarch data,' but this is vague. Annotations indicate non-read-only and non-destructive, but the description does not disclose important behavioral traits such as idempotency, side effects (e.g., overwriting existing budget), permissions required, or whether it triggers downstream effects like rollovers. The 'openWorldHint' true suggests additional side effects, but these are not explained.

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

Conciseness3/5

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

The description is a single sentence, which is concise, but it sacrifices clarity. It could be restructured to include key information without increasing length significantly. The title 'Budget Create Budget' is redundant.

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

Completeness2/5

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

Given the tool has 4 parameters (1 required), no output schema, and many sibling tools, the description is insufficient. It does not explain what a budget is, the creation process, return values, or error conditions. The user cannot determine whether the tool is appropriate without additional context.

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

Parameters2/5

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

The schema description coverage is 50% (fields and output_mode have descriptions, month and session_path do not). The description adds no parameter-specific meaning; it only says 'Create budget.' The 'month' parameter is essential but only has a title 'Month' with no format or constraints explained. The 'session_path' parameter is completely undocumented.

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

Purpose3/5

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

The description states 'Create budget' which identifies the action, and the required 'month' parameter suggests creating a budget for a specific month. However, it does not clarify if this creates a new budget record or updates an existing one, and it fails to distinguish from sibling tools like 'budget_set_budget_amount' or 'budget_get_budget'. The phrase 'may create or update Monarch data' adds ambiguity.

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

Usage Guidelines2/5

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

No guidance is provided on when to use this tool versus alternatives. The sibling tools include many budget-related actions (set amounts, get budget, reset budget, etc.), but the description does not specify scenarios or prerequisites. For example, it does not clarify whether creating a budget requires a month to exist or what happens if it already exists.

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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