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sarveshtalele

Personal Finance MCP

calculate_present_value

Compute the present value of a future amount based on annual interest rate and time period. Supports different compounding frequencies.

Instructions

Calculate Present Value — what a future sum is worth today. PV = FV / (1 + r/n)^(n×t).

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
yearsYes
annual_rateYes
compoundingNoannually
future_valueYes

Output Schema

TableJSON Schema
NameRequiredDescriptionDefault
resultYes
Behavior3/5

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

The formula discloses the calculation method, which is useful for understanding behavior. However, with no annotations, there is no mention of edge cases, input validation, or any side effects, leaving 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?

Two concise sentences: purpose followed by formula. No redundant information; every word serves a purpose. Very efficient.

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 simple financial calculation, the formula and parameter names provide adequate context. However, missing details on the compounding default and output schema limit completeness.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters2/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema coverage is 0%, but the formula hints at the role of future_value, annual_rate, and years. The compounding parameter is not explained, and its default value is not mentioned, leaving ambiguity.

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 'Calculate Present Value' and provides the formula, making the purpose obvious. However, it does not explicitly differentiate from sibling tools like calculate_future_value, relying on the name alone.

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 on when to use this tool versus alternatives such as calculate_future_value or calculate_annuity_pv. The description only states what it does, not when to apply it.

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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