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 ignaciohermosillacornejo/copilot-money-mcp --skill finance-pulsegit clone --depth 1 https://github.com/ignaciohermosillacornejo/copilot-money-mcpWrote 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/ignaciohermosillacornejo/copilot-money-mcp/finance-pulse)<a href="https://agentmods.dev/skills/ignaciohermosillacornejo/copilot-money-mcp/finance-pulse"><img src="https://agentmods.dev/badge/skills/ignaciohermosillacornejo/copilot-money-mcp/finance-pulse/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/ignaciohermosillacornejo/copilot-money-mcp/finance-pulse"><img src="https://agentmods.dev/badge/skills/ignaciohermosillacornejo/copilot-money-mcp/finance-pulse.svg" alt="Reviewed on agentmods" width="80" height="20"></a>- NVIDIA SkillSpector warn
SkillSpector: 4 findings, up to high
These are SkillSpector’s own severities. On a checked sample its high-severity flags on skills were ~96% false positives — a documented command, a public API, a “never do X” rule — so we show them as a caution to read, not a verdict. Why →
- high Prompt Injection · line 60 Hidden instructions were detected in comments or invisible text. These could contain malicious directives. Manual review is recommended.Fix: Audit all comments and invisible characters. Remove any instructions that direct the agent to perform unauthorized actions. Use plain, reviewable content.
- medium Rogue Agent · line 23 Skill establishes unauthorized persistence across sessions via cron jobs, startup scripts, or state files. Session persistence allows an attacker to maintain access beyond the current interaction.Fix: Remove any persistence mechanisms (cron jobs, startup scripts, state files). Skills should not maintain state across sessions without explicit user consent.
- medium Excessive Agency · line 236 Skill enables autonomous high-impact decisions without human-in-the-loop verification. Critical operations (destructive commands, financial transactions, data deletion) should require explicit user confirmation.Fix: Add human-in-the-loop confirmation for destructive, irreversible, or high-impact operations. Never auto-execute commands that modify files, send data, or alter system state.
- medium Excessive Agency · line 245 Skill enables autonomous high-impact decisions without human-in-the-loop verification. Critical operations (destructive commands, financial transactions, data deletion) should require explicit user confirmation.Fix: Add human-in-the-loop confirmation for destructive, irreversible, or high-impact operations. Never auto-execute commands that modify files, send data, or alter system state.
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 | $0.00043 | $0.03958 |
| Opus 5 | $0.00022 | $0.01979 |
| Sonnet 5 | $0.00009 | $0.00792 |
| Haiku 4.5 | $0.00004 | $0.00396 |
Grade A, and why
finance-pulse 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 today.
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 — 249 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Finance Pulse
When to use
- The user asks how they're doing financially or wants a check-in
- The user asks about "free money" or discretionary budget
- The user says "pulse" or asks for a spending summary
Do NOT use if
- The user wants a specific affordability decision → use
/finance - The user wants to fix categories or clean transactions → use
/finance-cleanup
Give the user a 30-second financial check-in. One number, a few flags, prospective framing. Read-only — this skill never writes.
Phase 1 — Gather Data
-
Read the user profile at
~/.claude/copilot-money/user-profile.md. If the file doesn't exist: runmkdir -p ~/.claude/copilot-money, then copyskills/user-profile.template.md(relative to the copilot-money-mcp repo root) to the profile path. First-time bootstrap may require CWD = repo root for the template read. Note:- Income & Obligations (if populated): monthly income, rent, fixed costs
- Savings & Goals: targets and active goals
- Irregular Expenses: amortized monthly reserve
- Preferences: what not to flag, categories they care about
- Communication Style: detail level, tone, framing
- If Income & Obligations is empty, this is a first run — Phase 2 will handle bootstrapping.
-
Pull data. Use these MCP tools in parallel:
get_accounts— all accounts with balances (for net worth and available cash)get_transactionswithperiod: "this_month",exclude_transfers: true— current month spendingget_transactionswithperiod: "last_month",exclude_transfers: true— last month for comparisonget_transactionswithperiod: "last_90_days",exclude_transfers: true— for rolling averagesget_categorieswithview: "list",period: "this_month"— category spending this monthget_categorieswithview: "list",period: "last_90_days"— category spending for 90-day baselineget_recurring_transactionswithperiod: "last_90_days"andfields: ["default", "transactions"]— subscriptions and recurrings. Thefieldsargument is required for the price-drift check in Phase 2.4: as of v3.0.0 the matched per-chargetransactionsarray is excluded from the default row, andaverage_amount/total_amountalone cannot show a change over time.get_budgetswithactive_only: true— any budgets the user setget_goalswithactive_only: true— savings goals
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.
- today Changed 45a75aa379dc
- 12d ago First seen · 249 lines · 43 tokens per session scan A e4aedde624d4
finance-pulse is a skill published in the GitHub repository ignaciohermosillacornejo/copilot-money-mcp (79 stars, last pushed today), licensed MIT. It adds 43 tokens to every session and 3,958 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 2026-08-30.
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