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jamiew

Monarch Money MCP Server

by jamiew

Get Budgets

get_budgets
Read-only

Retrieve budgets for any date range using ISO dates or natural language like 'last month'. Missing dates default to today or month start.

Instructions

Retrieve budgets for optional start_date/end_date filters.

Dates accept ISO strings or natural language such as 'last month'. A missing end defaults to today; a missing start to the first day of the end date's month.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
end_dateNo
start_dateNo

Output Schema

TableJSON Schema
NameRequiredDescriptionDefault
budgetsYes
messageNo

Schema Changelog

Changes observed during successful MCP inspections.

  1. First observedv0.3.2

TDQS

A3.8/5.0
Behavior4/5

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

Annotations already declare readOnlyHint=true and openWorldHint=false, covering the safety profile. The description adds genuinely valuable behavior beyond annotations: it discloses that missing end_date defaults to today and missing start_date defaults to the first day of the end's month, plus natural-language date parsing. This context is not inferable from the schema or annotations and helps the agent predict behavior on partial input.

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?

Roughly 40 words across two short paragraphs, with the core purpose front-loaded in the first sentence and the parameter behavior in the second. Every sentence earns its place — purpose, then format/defaults. Slightly more compact phrasing was possible, but it's already tight and well-structured.

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?

For a simple read-only tool with two optional params and an output schema (so return format needs no description), the description is fairly complete: it covers purpose, both parameters' formats and defaults. The main gap is the lack of guidance distinguishing it from overlapping siblings like get_cashflow, get_spending_summary, and get_complete_financial_overview.

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?

Schema description coverage is 0%, so the description must compensate for both undocumented parameters. It does so well: it explains the accepted formats (ISO strings or natural language like 'last month') and the default behavior for each parameter. This fully covers both start_date and end_date semantics, though it stops short of defining what a 'budget' range represents.

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 states a specific verb ('Retrieve') and resource ('budgets') with clear scoping via optional date filters. It's distinguishable from mutation siblings like set_budget_amount, but it doesn't explicitly differentiate from overlapping financial-report siblings like get_cashflow or get_spending_summary, which an agent might confuse with budget retrieval.

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 explains the date-filter behavior in detail (ISO strings, natural language, defaults for missing start/end), which implicitly guides usage — e.g., an agent can request a month's budget by supplying only a start_date. However, it gives no explicit when-to-use guidance or exclusions vs. the many similar financial tools in the sibling list.

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