CashChat MCP Server

Server Quality Checklist

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Latest release: v1.0.0
Disambiguation5/5
Every tool has a clearly distinct purpose targeting specific resources and actions. For example, add_transaction, update_transaction, and delete_transaction handle different lifecycle stages of transactions, while get_categories, get_settings, and update_settings manage separate aspects of the system. There is no ambiguity or overlap in functionality.
Naming Consistency5/5
All tool names follow a consistent verb_noun pattern using snake_case. The verbs (add, delete, get, update) are applied logically to corresponding nouns (transaction, categories, settings, summary), creating a predictable and readable naming convention throughout the tool set.
Tool Count5/5
With 8 tools, this server is well-scoped for a personal finance/transaction management domain. Each tool earns its place by covering essential operations like CRUD for transactions, settings management, and summary reporting, without being overly sparse or bloated.
Completeness5/5
The tool surface provides complete coverage for the apparent domain of transaction management. It includes full CRUD for transactions (add, get, update, delete), settings management (get and update), and auxiliary functions like categories and summaries, ensuring agents can handle typical workflows without dead ends.
Average 3/5 across 8 of 8 tools scored.
See the Tool Scores section below for per-tool breakdowns.
- No community issues in the last 6 months
- 0 commits in the last 12 weeks
- No stable releases found
- No critical vulnerability alerts
- No high-severity vulnerability alerts
- No code scanning findings
- CI status not available
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How is the quality score calculated?

The overall quality score combines two components: Tool Definition Quality (70%) and Server Coherence (30%).

Tool Definition Quality measures how well each tool describes itself to AI agents. Every tool is scored 1–5 across six dimensions: Purpose Clarity (25%), Usage Guidelines (20%), Behavioral Transparency (20%), Parameter Semantics (15%), Conciseness & Structure (10%), and Contextual Completeness (10%). The server-level definition quality score is calculated as 60% mean TDQS + 40% minimum TDQS, so a single poorly described tool pulls the score down.

Server Coherence evaluates how well the tools work together as a set, scoring four dimensions equally: Disambiguation (can agents tell tools apart?), Naming Consistency, Tool Count Appropriateness, and Completeness (are there gaps in the tool surface?).

Tiers are derived from the overall score: A (≥3.5), B (≥3.0), C (≥2.0), D (≥1.0), F (<1.0). B and above is considered passing.

Tool Scores

Behavior2/5
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden of behavioral disclosure. 'Get CashChat user settings' implies a read operation, but it doesn't specify whether this requires authentication, what format the settings are returned in, whether there are rate limits, or if it returns all settings or a subset. For a tool with zero annotation coverage, this leaves significant behavioral questions unanswered.
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 a single, efficient sentence that states the core purpose without unnecessary words. It's appropriately sized for a simple read operation. However, it could be slightly more front-loaded with additional context about what 'settings' encompasses, but given the tool's simplicity, this is a minor concern.
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?
Given the tool's simplicity (0 parameters, no output schema, no annotations), the description is incomplete. It doesn't explain what 'settings' includes, how the data is returned, or how this tool fits into the broader context of sibling tools like 'update_settings'. For a tool in a financial/transactional context with multiple related operations, more contextual information would help an agent use it effectively.
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?
The tool has 0 parameters with 100% schema description coverage, so the schema fully documents the absence of inputs. The description doesn't need to add parameter information, and it appropriately doesn't mention any parameters. This meets the baseline expectation for a parameterless tool where the schema already provides complete coverage.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Purpose3/5
Does the description clearly state what the tool does and how it differs from similar tools?
The description 'Get CashChat user settings' clearly states the verb 'Get' and resource 'CashChat user settings', making the basic purpose understandable. However, it doesn't distinguish this tool from its sibling 'update_settings' or explain what specific settings it retrieves versus other tools like 'get_categories' or 'get_summary'. The purpose is clear but lacks differentiation from related tools.
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. It doesn't mention when to choose 'get_settings' over 'update_settings' for modifying settings, or how it relates to other read operations like 'get_categories' or 'get_summary'. There's no indication of prerequisites, timing, or contextual factors that would help an agent decide when this tool is appropriate.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Behavior2/5
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries full burden for behavioral disclosure but only states the basic action. It doesn't mention whether this is a write operation (implied but not explicit), what permissions might be required, whether transactions are reversible, how errors are handled, or what happens on success. For a mutation tool with zero annotation coverage, this is insufficient.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Conciseness5/5
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is a single, efficient sentence that gets straight to the point with zero wasted words. It's appropriately sized for a tool with good schema documentation and no complex behavioral nuances to explain.
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?
For a mutation tool with no annotations and no output schema, the description is inadequate. It doesn't explain what happens after adding a transaction (e.g., returns success confirmation, transaction ID, or error details), doesn't mention constraints beyond what's in the schema, and provides no behavioral context. Given the complexity of a write operation, more completeness is needed.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Parameters3/5
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
The schema description coverage is 100%, so all parameters are documented in the schema itself. The description adds no additional parameter information beyond what's already in the schema descriptions. This meets the baseline expectation when schema coverage is complete.
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 ('Add') and resource ('new transaction to CashChat'), making the purpose immediately understandable. However, it doesn't differentiate this tool from its sibling 'update_transaction', which would require mentioning that this creates new records rather than modifying existing ones.
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 like 'update_transaction' or 'delete_transaction'. It doesn't mention prerequisites, constraints, or appropriate contexts for creating transactions versus other operations available in the sibling tool set.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Behavior2/5
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries full burden for behavioral disclosure. While 'Delete' implies a destructive mutation, the description doesn't specify whether this operation is reversible, what permissions are required, what happens to associated data, or what the response looks like. For a destructive tool with zero annotation coverage, this is a significant gap.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Conciseness5/5
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is extremely concise with a single, clear sentence that states exactly what the tool does. There's zero wasted verbiage, and the information is front-loaded with the core action and target.
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?
For a destructive mutation tool with no annotations and no output schema, the description is inadequate. It doesn't address critical context like whether deletion is permanent, what permissions are needed, what happens upon success/failure, or how this differs from other transaction operations. The description should do more given the tool's complexity and potential consequences.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Parameters3/5
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema description coverage is 100%, with the single parameter 'id' clearly documented as 'Transaction ID to delete'. The description doesn't add any additional parameter context beyond what the schema provides, so the baseline score of 3 is appropriate when the schema does the heavy lifting.
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 ('Delete') and target resource ('a transaction from CashChat'), providing specific verb+resource pairing. However, it doesn't distinguish this tool from potential alternatives like 'update_transaction' or explain what makes deletion different from other transaction modifications.
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?
No guidance is provided about when to use this tool versus alternatives. With sibling tools like 'update_transaction' available, the description doesn't indicate whether deletion is irreversible, when it's appropriate versus updating, or any prerequisites for using this destructive operation.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Behavior2/5
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations are provided, so the description carries full burden. It states it 'gets' transactions, implying a read-only operation, but lacks details on permissions, rate limits, pagination behavior (beyond schema hints), or what happens if no filters are applied. This is a significant gap for a tool with 5 parameters and no 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.
Conciseness5/5
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is a single, efficient sentence with zero waste. It is appropriately sized and front-loaded, clearly stating the core purpose without unnecessary elaboration.
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?
Given the complexity (5 parameters, no annotations, no output schema), the description is incomplete. It lacks behavioral context (e.g., pagination details, error handling), usage guidance relative to siblings, and does not compensate for the absence of annotations or output schema, making it inadequate for a tool of this scope.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Parameters3/5
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema description coverage is 100%, so the schema fully documents all 5 parameters. The description adds minimal value beyond the schema by mentioning 'optional filters', which is implied by the parameters. Baseline 3 is appropriate as the schema does the heavy lifting.
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 verb 'Get' and resource 'transactions from CashChat', making the purpose understandable. It distinguishes from siblings like 'add_transaction' or 'delete_transaction' by being a read operation, though it doesn't explicitly differentiate from other read tools like 'get_categories' or 'get_summary'.
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 mentions 'optional filters' but provides no guidance on when to use this tool versus alternatives. There are multiple sibling tools (e.g., 'get_summary' for aggregated data, 'get_categories' for category lists), but no explicit when/when-not instructions or named alternatives are included.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Behavior2/5
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden of behavioral disclosure. It states 'Update' implying a mutation, but doesn't specify permissions required, whether changes are reversible, or any side effects like rate limits. This leaves significant gaps in understanding the tool's behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Conciseness5/5
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is a single, efficient sentence with no wasted words. It's appropriately sized and front-loaded, clearly stating the tool's purpose without unnecessary elaboration.
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?
For a mutation tool with no annotations and no output schema, the description is insufficient. It lacks details on behavioral traits, usage context, and expected outcomes, making it incomplete for effective agent use despite the concise structure.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Parameters3/5
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema description coverage is 100%, so the input schema fully documents the two parameters. The description doesn't add any additional meaning beyond what the schema provides, such as explaining how these settings interact or their default values, but the baseline of 3 is appropriate given the high schema coverage.
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 ('Update') and resource ('CashChat user settings'), making the tool's purpose understandable. However, it doesn't differentiate from sibling tools like 'update_transaction', which also performs updates but on a different resource.
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?
No guidance is provided on when to use this tool versus alternatives. It doesn't mention prerequisites, when not to use it, or how it relates to sibling tools like 'get_settings' for retrieval or 'update_transaction' for different updates.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Behavior2/5
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden of behavioral disclosure. It states the tool updates a transaction, implying mutation, but lacks details on permissions, whether changes are reversible, error handling, or rate limits. This is inadequate for a mutation 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.
Conciseness5/5
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is a single, efficient sentence that directly states the tool's purpose without unnecessary words. It is front-loaded and wastes no space, making it easy for an agent to parse quickly.
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?
Given the tool's complexity as a mutation operation, lack of annotations, and no output schema, the description is insufficient. It doesn't cover behavioral aspects like side effects, return values, or error conditions, leaving significant gaps for the agent to operate safely and effectively.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Parameters3/5
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema description coverage is 100%, so the input schema already documents all parameters (id, amount, category, note, name) with descriptions. The description adds no additional meaning or context beyond what the schema provides, such as format examples or constraints, meeting the baseline for high coverage.
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 ('Update') and resource ('an existing transaction in CashChat'), making the purpose immediately understandable. However, it doesn't differentiate this tool from its sibling 'add_transaction' or 'delete_transaction' beyond the basic verb difference, missing explicit scope or constraint details that would warrant a 5.
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?
No guidance is provided on when to use this tool versus alternatives like 'add_transaction' or 'delete_transaction'. The description implies usage for modifying existing transactions but offers no context on prerequisites, exclusions, or specific scenarios, leaving the agent to infer based on tool names alone.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Behavior2/5
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden of behavioral disclosure. It states this is a 'Get' operation (implying read-only), but doesn't mention authentication requirements, rate limits, response format, error conditions, or whether it aggregates data in a specific way. For a tool with no annotation coverage, this leaves significant behavioral gaps.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Conciseness5/5
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is a single, efficient sentence that directly states the tool's function without unnecessary words. It's appropriately sized and front-loaded with the core purpose, making it easy to parse quickly.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Completeness3/5
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the tool's moderate complexity (2 parameters, no output schema, no annotations), the description covers the basic purpose but lacks details about behavioral traits, usage context, and output expectations. It's minimally adequate but has clear gaps in providing complete context for effective tool selection and invocation.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Parameters3/5
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
The schema description coverage is 100%, with both parameters ('period' and 'date') fully documented in the schema. The description mentions 'time period' which aligns with the 'period' parameter but doesn't add meaningful semantic context beyond what the schema already provides. This meets the baseline for high schema coverage.
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 verb 'Get' and resource 'spending summary' with the scope 'for a time period', making the purpose immediately understandable. It doesn't specifically differentiate from sibling tools like 'get_transactions' which might provide detailed transaction lists rather than summaries, but the core function is well-defined.
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 like 'get_transactions' for detailed data or 'get_categories' for categorization insights. It mentions the time period scope but doesn't clarify prerequisites, exclusions, or comparative use cases with sibling tools.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Behavior2/5
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries full burden but only states the action ('Get list'), lacking behavioral details such as whether it requires authentication, returns paginated results, has rate limits, or what format the list is in. It doesn't contradict annotations, but offers minimal transparency beyond the basic operation.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Conciseness5/5
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is a single, efficient sentence that front-loads the core action ('Get list of transaction categories') with zero wasted words. It's appropriately sized for a simple retrieval tool with no parameters.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Completeness3/5
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
For a zero-parameter tool with no annotations and no output schema, the description is minimally complete—it states what the tool does. However, it lacks context on usage, behavioral traits, or output format, which could help an agent use it correctly, especially given siblings that might overlap in purpose.
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?
The input schema has 0 parameters with 100% coverage, so no parameter documentation is needed. The description appropriately doesn't mention parameters, focusing on the tool's purpose. Baseline is 4 for zero parameters, as it avoids unnecessary detail.
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 verb ('Get') and resource ('list of transaction categories'), making the purpose immediately understandable. It distinguishes from siblings like 'get_transactions' by specifying categories rather than transactions, though it doesn't explicitly contrast with 'get_settings' or 'get_summary' which might also retrieve lists.
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?
No guidance is provided on when to use this tool versus alternatives like 'get_transactions' or 'get_settings'. The description implies it's for retrieving categories, but doesn't specify use cases, prerequisites, or exclusions, leaving the agent to infer context from the tool name alone.
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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