get_monthly_summary

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

No annotations are provided, so the description carries the full burden. It states a read operation but discloses no behavioral traits such as whether the month default is applied, whether accounts are pre-filtered, or how savings is calculated. This lack of detail is a notable gap for a tool with zero annotation coverage.

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 concise sentence that directly states the tool's function without wasted words. It is front-loaded and easy to parse, earning a perfect score for conciseness.

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?

Despite the tool's simplicity, the description lacks contextual completeness because it does not clarify how this tool differs from several similar sibling tools (e.g., get_spending_summary, get_cashflow). With no output schema or annotations, the description should provide more context about the return structure or scope, but it remains minimal.

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?

The schema fully covers the only parameter 'month' with a description and default behavior, so the tool description adds no extra meaning. Since schema coverage is 100%, the baseline score of 3 is appropriate.

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 a specific verb ('Get') and resource ('income, expenses, and savings for a specific month'), making the tool's function obvious. However, it does not explicitly distinguish itself from sibling tools like get_spending_summary or get_cashflow, which could overlap in purpose.

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 implies usage for retrieving a monthly summary but provides no explicit guidance on when to choose this tool over alternatives. There is no mention of exclusions or conditions, leaving the agent to infer appropriateness from the name alone.

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