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vargahis

monarch-mcp

get_institutions

Retrieve connected financial institutions and their current connection status through Monarch Money integration.

Instructions

Get all connected financial institutions and their connection status.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault

No arguments

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 the full burden. It mentions retrieving 'connection status', which hints at behavioral output, but doesn't disclose critical details such as whether this is a read-only operation, if it requires authentication, potential rate limits, or error conditions. The description is too vague to fully inform agent behavior.

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?

The description is a single, clear sentence that directly states what the tool does without any fluff or wasted words. It is front-loaded with the core action and resource, making it highly efficient and easy to parse.

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?

Given the tool has 0 parameters, an output schema exists, and no annotations, the description is minimally adequate. It specifies the resource and a key output aspect ('connection status'), but lacks details on usage context, behavioral traits, or how it fits with siblings. For a simple read operation, this is passable but leaves gaps in agent guidance.

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

Parameters4/5

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

The tool has 0 parameters, and the input schema has 100% description coverage (though empty). The description doesn't need to add parameter details, so it appropriately focuses on the tool's purpose without redundancy. A baseline of 4 is justified as it avoids unnecessary parameter explanation.

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 verb 'Get' and the resource 'all connected financial institutions and their connection status', which is specific and unambiguous. However, it doesn't explicitly differentiate from sibling tools like 'get_accounts' or 'refresh_accounts', which might retrieve related but different data.

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?

The description provides no guidance on when to use this tool versus alternatives. For example, it doesn't clarify if this should be used for initial setup checks versus ongoing monitoring, or how it relates to tools like 'check_auth_status' or 'get_accounts' that might overlap in context.

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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