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jamiew

Monarch Money MCP Server

Create Manual Account

create_manual_account

Add a manually tracked account by specifying its name, type, and initial balance to monitor finances without linking a financial institution.

Instructions

Create a manually tracked account.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
account_nameYes
account_typeYes
balanceYes

Output Schema

TableJSON Schema
NameRequiredDescriptionDefault
accountYes
Behavior3/5

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

The description aligns with annotations (not read-only, not destructive), but adds no additional behavioral details such as duplication handling or side effects. Annotations already indicate basic safety profile, but description does not enrich beyond that.

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

Conciseness4/5

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

The description is extremely short and front-loaded, making it quickly readable. However, it sacrifices essential details for brevity.

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?

Despite having 3 required parameters and a presumably existing output schema, the description provides no context about side effects, constraints, or return values. It is insufficient for an agent to use correctly without extra inference.

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

Parameters1/5

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

With 0% schema description coverage, the description fails to add any meaning to the three required parameters. No parameter details or examples are provided, leaving the agent with only field names.

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

Purpose4/5

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

The description clearly states the action ('Create') and resource ('manually tracked account'), making the purpose immediately understandable. It distinguishes from sibling tools as it is the only creation tool.

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?

The description provides no guidance on when to use this tool versus alternatives, nor any prerequisites or context. It simply states the action without explaining scenarios.

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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