loan_calculator

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

No annotations provided, so description carries full burden. It describes calculations but lacks details on assumptions (e.g., fixed rate, no fees) or side effects. For a read-only computation tool, it is adequate but not rich.

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?

Extremely concise: one line for purpose, then a clear bullet list of three parameters. No wasted words; front-loaded with the most important info.

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?

All three parameters are described, outputs (payments, total interest, schedule) are listed. An output schema exists, so return format detail is not needed. Complete for a simple calculation tool.

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?

Schema has 0% description coverage, but the description adds clear meanings: 'Loan amount', 'Annual interest rate (e.g. 5.5 for 5.5%)', 'Loan term in months.' This compensates well for the schema gap.

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?

Clearly states the tool calculates loan payments, total interest, and full repayment schedule. This specific verb+resource distinguishes it from siblings like amortization_calc or simple_interest_calc.

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?

Provides parameter explanations but no explicit guidance on when to use this versus alternatives (e.g., simple_interest_calc, mortgage_calculator). Usage is implied, but no exclusions or comparisons are given.

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