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.
git clone --depth 1 https://github.com/llamadrive/bengo-toolkitnpx agentmods add skills/llamadrive/bengo-toolkit/debt-recalcWrote 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/llamadrive/bengo-toolkit/debt-recalc)<a href="https://agentmods.dev/skills/llamadrive/bengo-toolkit/debt-recalc"><img src="https://agentmods.dev/badge/skills/llamadrive/bengo-toolkit/debt-recalc/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/llamadrive/bengo-toolkit/debt-recalc"><img src="https://agentmods.dev/badge/skills/llamadrive/bengo-toolkit/debt-recalc.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 | $0.00087 | $0.02089 |
| Opus 5 | $0.00044 | $0.01045 |
| Sonnet 5 | $0.00017 | $0.00418 |
| Haiku 4.5 | $0.00009 | $0.00209 |
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 9d 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 — 162 lines — stays where its author put it; the contents beside it link to each section on GitHub.
利息制限法引き直し計算（debt-recalc）
貸金業者との取引履歴を利息制限法の上限利率で再計算し、真の元本残高・ 過払金額を決定論的に算出する。債務整理実務の中核計算。
前提条件
- アクティブな matter が設定されていること
- 取引履歴（借入日・弁済日・金額）が全て判明していること
- 最初の取引日から直近までの連続した記録が望ましい（欠落は残高推定を困難にする）
計算対象
- 各期間の利息: 残元本 × 利息制限法利率（20%/18%/15%）× 日数/365
- 元本残高の推移: 弁済は利息優先充当、借入は未払利息精算後の加算
- 過払金元本: 残元本が負になった時点で発生
- 過払金利息: 民法 704 条（悪意の受益者）の年 5%
利息制限法の上限利率
| 元本 | 上限利率 |
|---|---|
| 10 万円未満 | 年 20% |
| 10 万円以上 100 万円未満 | 年 18% |
| 100 万円以上 | 年 15% |
ワークフロー
Step 0: workspace の解決と初回案内
機密スキル実行時、CWD（または親ディレクトリ）の .claude-bengo/ を walk-up で探す。見つからなければ CWD に silently 新規作成する。弁護士が事前に/matter-create のような登録を行う必要はない。
続けて初回のみ案内メッセージを表示する（2 回目以降は silent、処理は決してブロックしない）:
python3 skills/_lib/first_run.py notice
出力があれば、そのままユーザーに提示してから Step 1 へ進む。
Step 1: 取引履歴の聴取
次のいずれかで取引履歴を入手:
- 業者から取得した取引履歴（最終的には情報開示請求・弁護士会照会等で全件取得）
- 依頼者の通帳・領収書から復元
各取引について以下を整理:
- 日付（YYYY-MM-DD）
- 種別（借入
borrowing/ 弁済payment） - 金額（円、正の整数）
Step 2: 契約利率の確認（参考情報）
- 20% 超の契約利率（平成 22 年 6 月改正前のグレーゾーン金利の可能性）
- 改正後の契約で 20% 以下なら利率ブラケットにより細かな再計算が必要
Step 3: 計算実行
計算実行前に監査ログに記録する（法律事務所のコンプライアンス要件。過払金額が高額になる可能性があるため必須）:
python3 skills/_lib/audit.py record --skill debt-recalc --event calc_run --note "取引件数: {N} / 相手方: {creditor}"
続いて計算実行:
python3 skills/debt-recalc/calc.py calc --pretty --json '<payload>'
結果提示後、主要数値を監査ログに記録:
python3 skills/_lib/audit.py record --skill debt-recalc --event calc_result --note "残元本={remaining_principal} 過払金={overpayment_principal} 過払金利息={overpayment_interest}"
入力 JSON 例:
{
"transactions": [
{"date": "2015-01-15", "type": "borrowing", "amount": 500000},
{"date": "2015-02-15", "type": "payment", "amount": 20000},
{"date": "2015-03-15", "type": "payment", "amount": 20000},
...
]
}
Step 4: 結果の解釈
- 残元本 > 0: まだ債務が残っている → 任意整理 or 破産・再生の検討
- 残元本 = 0: 完済 → 追加手続不要
- 過払金発生: 過払金返還請求の検討（時効: 取引終了から 10 年、最判平成 21 年）
- 過払金 + 利息: 業者の悪意が立証できれば年 5% の利息を付加して請求
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.
- 9d ago First seen · 162 lines · 87 tokens per session scan A 96dc94b8cbb8
debt-recalc is a skill published in the GitHub repository llamadrive/bengo-toolkit (6 stars, last pushed 1mo ago), licensed MIT. It adds 87 tokens to every session and 2,089 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 2026-08-31.
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