Lunch Money MCP Server

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

No annotations are provided, so the description carries full burden. It states this is a list operation but doesn't disclose behavioral traits like whether it requires authentication, has rate limits, returns paginated results, or what happens if no budgets exist. The description adds minimal context beyond the basic action.

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 a single, efficient sentence that front-loads the core action ('List all budgets') and adds only essential clarifying details ('with their category assignments and date ranges'). Every word earns its place with zero wasted text.

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 annotations, no output schema, and a read operation with potential complexity (budgets with category assignments and date ranges), the description is incomplete. It doesn't explain what the return values look like, how results are structured, or any behavioral constraints. For a tool that likely returns structured data, more context is needed.

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 parameters and 100% schema description coverage, the baseline is 4. The description appropriately doesn't discuss parameters since none exist, and the schema fully documents this absence. No additional parameter information is needed or provided.

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 action ('List all budgets') and specifies the resource ('budgets') with additional details about what information is included ('with their category assignments and date ranges'). It distinguishes from siblings like 'getAssets' or 'getTransactions' by focusing on budgets, but doesn't explicitly differentiate from other budget-related tools like 'createBudget' or 'updateBudget' beyond the verb difference.

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 provides no guidance on when to use this tool versus alternatives. It doesn't mention prerequisites, timing considerations, or compare it to other budget-related tools like 'createBudget' or 'updateBudget'. The agent must infer usage from the verb 'List' alone.

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