get_accounts

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. It states it 'gets' accounts but doesn't describe what 'all' entails (e.g., pagination, filtering options), return format, error conditions, or rate limits. This is inadequate 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, efficient sentence with zero waste. It's appropriately sized and front-loaded, directly 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.

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

Given the lack of annotations and output schema, the description is incomplete. It doesn't explain what 'all financial accounts' includes (e.g., types, fields returned), behavioral aspects like authentication requirements, or how results are structured, leaving significant gaps for agent understanding.

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 tool has 0 parameters with 100% schema description coverage, so the schema fully documents the lack of inputs. The description doesn't add parameter details, but with no parameters, a baseline of 4 is appropriate as there's nothing to compensate for.

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 action ('Get') and resource ('all financial accounts from Monarch Money'), providing a specific verb+resource combination. However, it doesn't differentiate from sibling tools like 'get_account_holdings' or 'get_transactions', which likely retrieve related but different financial data.

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 provides no guidance on when to use this tool versus alternatives. It doesn't mention prerequisites (e.g., authentication status), context for use, or exclusions, leaving the agent to infer usage 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.