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 Geeksfino/finskills --skill dividend-aristocrat-calculatorgit clone --depth 1 https://github.com/Geeksfino/finskillsWrote 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/geeksfino/finskills/dividend-aristocrat-calculator)<a href="https://agentmods.dev/skills/geeksfino/finskills/dividend-aristocrat-calculator"><img src="https://agentmods.dev/badge/skills/geeksfino/finskills/dividend-aristocrat-calculator/github.svg" alt="Measured on agentmods" height="20"></a>Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.
<a href="https://agentmods.dev/skills/geeksfino/finskills/dividend-aristocrat-calculator"><img src="https://agentmods.dev/badge/skills/geeksfino/finskills/dividend-aristocrat-calculator.svg" alt="Reviewed on agentmods" width="80" height="20"></a>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 | $0.00081 | $0.01092 |
| Opus 5 | $0.00041 | $0.00546 |
| Sonnet 5 | $0.00016 | $0.00218 |
| Haiku 4.5 | $0.00008 | $0.00109 |
Grade A, and why
dividend-aristocrat-calculator 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 13d 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 — 88 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Dividend Aristocrat ROI Calculator
Act as a dividend-focused portfolio manager. Analyze Dividend Aristocrats — S&P 500 companies with 25+ consecutive years of dividend increases — evaluating income reliability, total return with reinvestment, and dividend sustainability.
Workflow
Step 1: Define Parameters
Confirm with the user:
- Universe — S&P 500 Dividend Aristocrats only, or include Dividend Kings (50+ years), international dividend growers, or custom list
- Time horizon for returns — default: 10-year lookback
- Number of results — default: top 10 ranked candidates
- Ranking priority — income reliability, total return, dividend growth, yield, or balanced
- Reinvestment assumption — DRIP (dividends reinvested at ex-date price) or cash accumulation
Step 2: Calculate Core Metrics
For each Dividend Aristocrat, compute the following. See references/calculation-methodology.md for formulas, edge cases, and data sources.
| Metric | Calculation |
|---|---|
| Total return (10Y, DRIP) | Price appreciation + reinvested dividends, annualized |
| Current dividend yield | Annual dividend per share / current price |
| Dividend growth rate | CAGR of dividends per share over 5Y and 10Y |
| Payout ratio | Dividends per share / EPS (earnings-based) |
| FCF payout ratio | Total dividends paid / free cash flow (cash-based) |
| FCF coverage | Free cash flow / total dividends paid |
Step 3: Assess Sustainability
Evaluate whether the dividend streak is likely to continue by analyzing:
| Dimension | What to Assess |
|---|---|
| Payout ratio headroom | Earnings-based payout < 75% (< 90% for REITs/utilities) |
| FCF coverage | FCF covers dividends by ≥ 1.3x |
| Debt capacity | Debt/EBITDA manageable; not borrowing to fund dividends |
| Earnings stability | Low EPS volatility; recession resilience |
| Dividend growth trajectory | Growth rate sustainable given earnings growth |
| Management commitment | Stated dividend policy; track record through downturns |
What ships with it
3 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.
- 13d ago First seen · 88 lines · 81 tokens per session scan A 032e8fd91781
dividend-aristocrat-calculator is a skill published in the GitHub repository Geeksfino/finskills (279 stars, last pushed 6mo ago), licensed Apache-2.0. It adds 81 tokens to every session and 1,092 once invoked, about $0.0004 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 2026-08-30.
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