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.
npx skills add deciqAI/knowledge-skills --skill compound-interestgit clone --depth 1 https://github.com/deciqAI/knowledge-skillsWrote 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.
[](https://agentmods.dev/skills/deciqai/knowledge-skills/compound-interest)<a href="https://agentmods.dev/skills/deciqai/knowledge-skills/compound-interest"><img src="https://agentmods.dev/badge/skills/deciqai/knowledge-skills/compound-interest.svg" alt="Measured on agentmods" height="20"></a>- NVIDIA SkillSpector pass
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.
| Model | Per session | Once invoked |
|---|---|---|
| Fable 5.1 | $0.00105 | $0.01736 |
| Opus 5 | $0.00053 | $0.00868 |
| Sonnet 5 | $0.00021 | $0.00347 |
| Haiku 4.5 | $0.00011 | $0.00174 |
Grade A, and why
compound-interest 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 8d 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.
How it starts
The opening of the file, as written. The whole thing — 122 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Compound Interest
Overview
Compound interest: a quantity grows at a rate proportional to its current size — growth itself grows — producing exponential accumulation. Formula: A = P × (1 + r)^t. Humans underestimate long-horizon outcomes because cognition extrapolates linearly. Two consequences: Rule of 72 (doubles in ≈ 72/r periods); late-period dominance (most final value comes from the last few periods).
Composes with lindy-effect, hyperbolic-discounting, expected-value-and-kelly, network-effects, deep-work.
When to Use
- Evaluating any long-horizon investment, savings, or wealth decision
- Deciding between starting earlier vs. starting later; intensity vs. duration paths
- Evaluating compound advantages in business (data, brand, switching cost)
- Weighing AI capex, AI adoption timing, or defending against AI-native competition — where data flywheels, ecosystem lock-in, and eval/technical debt compound over years
- Skill-development planning; recognizing compound decay (fees, atrophy, trust erosion)
Not when: horizon is short; rate is so low linear approximation is fine; process is genuinely linear; situation requires immediate one-shot intensity.
Coaching Novices (Adaptive Front Door)
- Engine mode: user has a concrete long-horizon case → run The Process directly.
- Coach mode: user is unfamiliar → guide step by step.
In Coach mode, respond one step at a time. Each [WAIT] is a hard stop — output only that step's question, then stop.
- One-line: duration of compounding dominates rate — starting earlier with small consistency beats starting later with large intensity.
- Check fit. Short horizon or very low rate? Compound effects are small — save it for genuinely long horizons.
- Elicit the specific decision, time horizon, and rate.
[WAIT — do not advance until user responds]
- Walk through Rule of 72, precise compound outcome, late-period dominance, and other life domains one question at a time.
[WAIT — do not advance until user responds]
- Close: decision informed by compound math + compound dynamics identified + commitment to early consistent action.
[WAIT — do not advance until user responds]
What ships with it
4 files beside SKILL.md in the same directory: the scripts, references and assets a skill reads on demand. Not counted in the per-session cost; read them before you install if any of them is executable.
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.
- 8d ago First seen · 122 lines · 105 tokens per session scan A 30139a64d512
compound-interest is a skill published in the GitHub repository deciqAI/knowledge-skills (10 stars, last pushed 6d ago), licensed MIT. It adds 105 tokens to every session and 1,736 once invoked, about $0.0005 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.
Other skills, from other repositories
crypto-report
Get cryptocurrency market data. Get Binance AI analysis report. Get blockchain news updates.
invoice-chase
Runs collections on late invoices: builds an aging ladder (current/30/60/90+), assigns each invoice a rung on an escalation sequence with ready-to-send emails — friendly nudge, firm reminder with late-fee mention, final notice — plus a phone script, tone rules that preserve the relationship, a chase log, and…
audit-support
Gets the books audit-ready: builds the PBC (prepared-by-client) list by area, drafts walkthrough narratives for key cycles (revenue, purchases, payroll), matches auditor samples to support, prepares tie-out schedules, tracks open items with owners and due dates, and drafts responses to findings. Use when the user says…
financial-statements
Builds a full statement set — P&L, balance sheet, and indirect cash flow — from a trial balance or transaction export, mapping accounts to a standard chart and proving every tie-out in code. Use when the user says 'build a P&L from this trial balance', 'turn this export into financials', 'I need a balance sheet for…
plan-payroll
Plans payroll cash: true loaded cost per hire (gross plus employer taxes, benefits, tools), a payroll calendar with cutoffs and cash-out dates, a scenario table for new hire vs raise vs contractor-vs-employee, and a payroll-to-revenue check against rough industry bands. Use when the user asks "can I afford to hire"…
review-contract
Clause-by-clause contract review — inventories key clauses (term, termination, liability cap, indemnity, IP, payment, confidentiality, governing law, auto-renewal), flags deviations from market-standard positions with RED/YELLOW/GREEN severity and verbatim quotes, drafts redline language, and sets negotiation…