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rent_vs_buy_calc

Compare the financial outcomes of renting versus buying a home using key inputs like rent, price, down payment, interest rate, and time horizon.

Instructions

Compare the financial impact of renting vs buying a home.

Parameters:
    monthly_rent — Monthly rent amount.
    home_price — Home purchase price.
    down_payment — Down payment amount.
    rate — Mortgage interest rate.
    years — Time horizon in years (default: 5).

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
monthly_rentYes
home_priceYes
down_paymentYes
rateYes
yearsNo

Output Schema

TableJSON Schema
NameRequiredDescriptionDefault
resultYes
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 only says 'compare financial impact' without disclosing output format, assumptions (e.g., tax benefits, maintenance costs), or any limitations. Minimal behavioral insight.

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 concise: a one-line purpose followed by parameter list. No redundancy. Could be slightly more structured (e.g., bullet points), but it's efficient 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?

Given the complexity of rent vs buy comparison (many variables, assumptions), the description lacks details on output (what values are compared?), edge cases, or required financial context. An output schema exists but is not described. Incomplete for a financial tool.

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 coverage is 0%, so the description must compensate. It provides brief definitions for each parameter (e.g., 'Monthly rent amount'). However, these add little beyond the parameter titles; they are not detailed (e.g., no units, no constraints). Baseline is 3, and this is barely adequate.

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 tool compares renting vs buying a home. While it's specific and distinct from sibling tools like amortization_calc or mortgage_calculator, it does not explicitly differentiate itself, but the purpose is clear enough.

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. There is no mention of prerequisites (e.g., having mortgage rates) or scenarios like investment comparison. The description only states what it does, not when to use 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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