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Scored across 12 tools
Most tools have clearly distinct purposes, and the descriptions explicitly disambiguate the trickiest pair (suggest_categories vs find_transactions, forecast_balance vs find_recurring_charges). The reporting cluster (get_category_balances, get_monthly_summary, get_budget_vs_actual, get_spending_trends) overlaps somewhat in scope, but each description steers to the right tool, so boundaries stay workable.
All names are snake_case with a verb_ prefix, giving a largely predictable pattern. Minor inconsistency: read operations mix get_ (get_category_balances), list_ (list_accounts) and find_ (find_transactions) for similar listing behavior.
12 tools is well within the sweet spot and each maps to a distinct task (plan discovery, reporting, transaction lookup, forecasting, categorization support). No filler tools and no topic is over-split.
The surface is read-heavy and self-referentially incomplete: suggest_categories tells the agent to 'assign with apply_categories' and list_category_groups tells it to pass a group id to create_category, but neither apply_categories nor create_category is present in this set. Read coverage (plans, accounts, categories, transactions, schedules, forecasts) is strong, but write/lifecycle operations are notably missing.