calc_mortgage

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

No annotations exist, so the description must carry behavioral disclosure. It only states the function without revealing assumptions (e.g., amortization type), edge cases, or limitations.

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 extremely concise (one sentence), but this brevity comes at the cost of completeness. It is not overly verbose, but lacks necessary context.

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?

For a simple calculation tool with no output schema, the description should at least clarify the return value (e.g., monthly payment amount). It is inadequate for an AI agent to fully understand the tool's behavior.

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?

Schema description coverage is 0%, and the description adds no detail about parameters beyond their names. The names are somewhat self-explanatory, but the description should clarify units, expected ranges, or format.

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 tool calculates monthly mortgage repayments, with a specific verb and resource. However, it does not differentiate itself from sibling calculator tools like calc_bmi or calc_compound_interest.

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?

No guidance is provided on when to use this tool versus alternatives. There is no mention of context, prerequisites, or exclusions.

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