understand

A command for analyzing a bank or card export, usually a CSV file containing transactions. It categorizes transactions, summarizes cash flow, and reports skipped rows and possible anomalies.

In plain words
What is it for?
Use it to analyze an export, create categorized transaction data, and produce summaries of spending, recurring charges, cash flow, and unusual patterns.
Why use it?
It turns raw financial records into an understandable account of income, spending, and balance changes without silently ignoring unclear rows.

Command

Install

Getting it into your agent

One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.

agentmods
npx agentmods add commands/localplugins/plugins/understand
Clone the repo
git clone --depth 1 https://github.com/localplugins/plugins
Per session 23 Only the description is in the session, so the agent can decide to use it. The body loads when it is invoked.
When invoked 397 The whole file, excluding the scripts and references it only reads on demand.
Security scan A 0 findings. Scan, not verified.
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 $0.00023 $0.00397
Opus 5 $0.00012 $0.00198
Sonnet 5 $0.00005 $0.00079
Haiku 4.5 $0.00002 $0.00040

Measured yesterday against content hash d0b9d7699ff3, method: parsed. Prices are Anthropic first-party input rates as of 2026-08-30, from the pricing page.

Security

Grade A, and why

understand 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 yesterday.

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.

money-map/commands/understand.md · 24 lines

What it actually says

Understand

Make sense of a financial export. Arguments: $ARGUMENTS

Workflow

  1. Config. Ensure money/categories.json exists; if not, run the /money-setup flow first.
  2. Analyze. Delegate to the analyst subagent: detect the column mapping, then run the toolkit (parse_reportcategorizeaggregateanomalies) — all figures from Decimal math, never estimated.
  3. Surface skipped rows. parse_report returns the clean transactions plus .skipped — rows that couldn't be parsed (malformed amount/date) or were ambiguous (both debit and credit populated). Flag these for the user; never drop or fabricate them silently.
  4. Surface uncategorized transactions and propose new rules; never guess a category.
  5. Verify. Delegate the draft to the figures-guardian subagent — it checks the invariants and that every number traces to source rows; if it rejects, redo and re-check.
  6. Write to money/output/<name>/:
    • categorized.csv — every transaction with its category
    • report.md — plain-English summary (income, spend by category, net cash flow, recurring)
    • anomalies.md — flagged duplicates / outliers / recurring changes
    • skipped.csv — rows that couldn't be parsed (malformed/ambiguous), for the user to fix — written only when there are any
  7. Summarize the highlights and list any skipped rows and uncategorized items for the user to resolve.

Never connect to the network or the user's accounts. Never invent a number.

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. yesterday First seen · 24 lines · 23 tokens per session scan A d0b9d7699ff3

Subscribe to this mod's changes

understand is a command published in the GitHub repository localplugins/plugins (5 stars, last pushed 1mo ago), licensed MIT. It adds 23 tokens to every session and 397 once invoked, about $0.0001 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.