debt-recalc

debt-recalc is a command for Claude Code from llamadrive/bengo-toolkit. It costs 32 tokens per session (337 once invoked), scanned A, original, MIT.

A calculator for recomputing loan transactions under Japan's Interest Rate Restriction Act. It processes dated borrowing and repayment records to calculate remaining principal, interest paid, and possible overpayments.

In plain words
What is it for?
Use it to calculate debt balances or overpayment claims from transaction histories, including statutory interest on overpayments.
Why use it?
It replaces error-prone manual interest calculations with a fixed day-by-day repayment method and applies payments to interest before principal.

Command for Claude Code

Written for Claude Code: allowed-tools in frontmatter.

Needs its repository: it runs a file that does not travel with it, so clone the repository first. The line is Read, Glob, Bash(python3 skills/debt-recalc/calc.py:*), Bash(python3 skills/debt-recalc/test_calc.py:*), Bash(python3 skills/_lib/workspace.py:*), Bash(python3 .

Part of the bengo-toolkit plugin — 15 skills, 25 commands, 3 MCP servers shipped together

Good fit Use it to calculate debt balances or overpayment claims from transaction histories, including statutory interest on overpayments.

Compare 6 commands from other repositories ↓
Install

Getting it into your agent

It runs from inside its repository, so the clone comes first — what it calls does not travel with the file alone.

Clone the repo
git clone --depth 1 https://github.com/llamadrive/bengo-toolkit
agentmods
npx agentmods add commands/llamadrive/bengo-toolkit/debt-recalc

Made for: Claude Code.

Or install bengo-toolkit, the plugin that ships this one along with the rest of its 15 skills, 25 commands, 3 MCP servers.

Wrote this? Show the measurements

A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.

agentmods badge for debt-recalc

README.md
[![agentmods](https://agentmods.dev/badge/commands/llamadrive/bengo-toolkit/debt-recalc.svg)](https://agentmods.dev/commands/llamadrive/bengo-toolkit/debt-recalc)
Your own site
<a href="https://agentmods.dev/commands/llamadrive/bengo-toolkit/debt-recalc"><img src="https://agentmods.dev/badge/commands/llamadrive/bengo-toolkit/debt-recalc.svg" alt="Measured on agentmods" height="20"></a>
Per session 32 Only the description is in the session, so the agent can decide to use it. The body loads when it is invoked.
When invoked 337 The whole file, excluding the scripts and references it only reads on demand.
Security scan A 0 findings. A grade says what 26 rules found in the file — not that it is safe.
Origin original No closer match found in the catalogue.
Token cost

What it costs to keep this loaded

Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.

ModelPer sessionOnce invoked
Fable 5.1 $0.00032 $0.00337
Opus 5 $0.00016 $0.00169
Sonnet 5 $0.00006 $0.00067
Haiku 4.5 $0.00003 $0.00034

Measured 7d ago against content hash 2a2afd8b5795, method: parsed. Prices are Anthropic first-party input rates as of 2026-09-07, from the pricing page.

Security

Grade A, and why

debt-recalc scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 7d ago.

A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.

Nothing flagged

None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.

commands/debt-recalc.md · 17 lines

What it actually says

貸金業者との取引履歴(借入・弁済の時系列データ)を利息制限法 1 条の上限利率(20%/18%/15%)で再計算し、真の残元本・支払済利息・過払金を決定論的に算出する。債務整理・過払金返還請求の前提計算。

計算内容

  • 各期間の利息 = 残元本 × 上限利率 × 日数/365
  • 弁済の利息優先充当 → 元本減少
  • 過払金発生時は民法 704 条の年 5% 利息を付加

$ARGUMENTS: 対話で取引履歴を入力、または JSON ファイルを指定。

まず skills/debt-recalc/SKILL.md を Read ツールで読み込み、そこに記載された手順に従って実行する。

Changes

What this file has done since we first saw it

Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.

  1. 7d ago First seen · 17 lines · 32 tokens per session scan A 2a2afd8b5795

Subscribe to this mod's changes

debt-recalc is a command published in the GitHub repository llamadrive/bengo-toolkit (6 stars, last pushed 1mo ago), licensed MIT. It adds 32 tokens to every session and 337 once invoked, about $0.0002 per session on Opus 5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-08-31.