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 peerjakobsen/smartspender --skill danish-finance-guidegit clone --depth 1 https://github.com/peerjakobsen/smartspenderWrote 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/peerjakobsen/smartspender/danish-finance-guide)<a href="https://agentmods.dev/skills/peerjakobsen/smartspender/danish-finance-guide"><img src="https://agentmods.dev/badge/skills/peerjakobsen/smartspender/danish-finance-guide/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/peerjakobsen/smartspender/danish-finance-guide"><img src="https://agentmods.dev/badge/skills/peerjakobsen/smartspender/danish-finance-guide.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 | $0.00027 | $0.02411 |
| Opus 5 | $0.00014 | $0.01205 |
| Sonnet 5 | $0.00005 | $0.00482 |
| Haiku 4.5 | $0.00003 | $0.00241 |
Grade A, and why
danish-finance-guide 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 11d 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 — 306 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Danish Personal Finance Guide
Based on "Privatøkonomisk rutediagram - Danmark v2025.2" by /u/Neovitami
Overview
A structured 5-step approach to personal finance in Denmark:
| Step | Focus | Goal |
|---|---|---|
| 0 | Budget | Reduce expenses, set realistic goals |
| 1 | Nødopsparing | Build emergency fund/buffer |
| 2 | Gæld | Pay off debt, save for necessary purchases |
| 3 | Pension | Secure pension and children's future |
| 4 | Formue | Save for other purposes |
Step 0: Budget and Fundamentals
Læg et Budget (Create a Budget)
An overview of expenses and income is fundamental for healthy personal finances.
Essential Expenses Priority Order
Pay these FIRST, in order:
- Husleje/Huslån — Rent or mortgage. Check if you qualify for boligstøtte (housing support).
- Mad — Food. Save money by using offers, eating less takeout, cooking yourself.
- Essentielle regninger — Essential bills: electricity (strøm), water (vand), heating (varme), etc.
- Indkomstafhængige udgifter — Income-dependent expenses: transport, internet/phone if needed for work.
Fritvalgsordning (Flex Benefits)
If employed with a flex benefits arrangement:
- You can choose between extra salary, freedom, or higher pension contributions
- If financially stressed, it may be advantageous to receive the money as salary
- Typical flex amount: 0.4–10% of salary
Step 1: Emergency Fund (Nødopsparing)
Initial Target
Build an emergency fund of the LARGER of:
- 1 month's living expenses, OR
- 10,000 kr
Purpose
To avoid relying on credit for unexpected expenses:
- Car repairs (reparation på bil)
- Dental work (tandlæge)
- Medical expenses (medicin)
- Other unforeseen costs
Where to Keep It
Use an indlånskonto dækket af Indskydergarantifonden (savings account covered by deposit guarantee).
Expanded Target
After paying off high-interest debt, expand to 3–6 months of expenses to cover potential job loss.
- The higher your expenses relative to income, the larger the buffer needed
- A-kasse members may want even more buffer
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.
- 11d ago First seen · 306 lines · 27 tokens per session scan A fd3fa3436df6
danish-finance-guide is a skill published in the GitHub repository peerjakobsen/smartspender (5 stars, last pushed 7mo ago), licensed MIT. It adds 27 tokens to every session and 2,411 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.
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