calculate_annuity_payment

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

With no annotations, the description carries the full burden. It describes the calculation and return values but omits behavioral traits like assumptions (e.g., payment timing, compounding frequency) or safety aspects. Basic but not comprehensive.

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?

Two efficient sentences: first states purpose, second lists returns and references a bundle. No extraneous text, but could be marginally improved by front-loading key details.

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?

The description provides the return shape but lacks details such as default payment timing, rate conversion, or rounding behavior. For a standalone financial calculator, more context would improve usability.

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?

All three parameters have descriptive schema comments (principal in EUR, rate as annual percent, periods in months). The description adds no further meaning, so baseline 3 applies given 100% coverage.

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 it calculates periodic payment amount for a loan or annuity and specifies the return structure. However, it does not distinguish this tool from similar siblings like calculate_loan_payment or calculate_mortgage, which could cause confusion.

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 references list_bundles for related calculators, implying a context but not explicitly stating when to use this tool versus alternatives. No when-not or direct alternative guidance is provided.

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