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rmarji

Monarch Money MCP Server

by rmarji

get_cashflow_analysis

Get detailed cashflow analysis by category and time period to understand income and spending patterns.

Instructions

Get detailed cashflow analysis by category and time period

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
end_dateNoEnd date for analysis (YYYY-MM-DD)
start_dateNoStart date for analysis (YYYY-MM-DD)

Schema Changelog

Changes observed during successful MCP inspections.

  1. First observedv0.1.0

TDQS

C2.9/5.0
Behavior2/5

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 only says 'get,' which implies a read operation, but it does not disclose what the analysis returns, how dates are handled when omitted, or how category grouping behaves.

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 concise sentence with no unnecessary bulk. 'Detailed' adds little value, but overall the structure is clean and front-loaded.

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?

With no output schema and no annotations, the description does not fully explain what the agent should expect back or how optional parameters behave. It lacks the behavioral detail needed for confident 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?

Schema description coverage is 100%, so the parameters are already documented with their date format and purpose. The description adds only high-level context about category and time period without deepening parameter semantics, matching the baseline for well-covered schemas.

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?

States a specific verb and resource: retrieving cashflow analysis, scoped by category and time period. This distinguishes it from sibling tools like get_transactions or get_categories, though it does not explicitly name alternatives.

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 given about when to use this tool versus the sibling tools. There are no exclusion criteria, alternatives, or context clues beyond the implied purpose of getting cashflow analysis.

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