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 agentmods add skills/peerjakobsen/smartspender/subscription-detectionnpx skills add peerjakobsen/smartspender --skill subscription-detectiongit 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/subscription-detection)<a href="https://agentmods.dev/skills/peerjakobsen/smartspender/subscription-detection"><img src="https://agentmods.dev/badge/skills/peerjakobsen/smartspender/subscription-detection.svg" alt="Measured on agentmods" 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 | $0.00026 | $0.01503 |
| Opus 5 | $0.00013 | $0.00751 |
| Sonnet 5 | $0.00005 | $0.00301 |
| Haiku 4.5 | $0.00003 | $0.00150 |
Grade A, and why
subscription-detection 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 5d 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 — 176 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Subscription Detection
Purpose
Provides rules for detecting recurring charges (subscriptions) from categorized transaction data. Identifies services the user pays for on a regular basis.
Before Detection — Check Learnings
Before applying automatic detection, read learnings/subscriptions.md:
- Confirmed Subscriptions — If a merchant is listed here, always flag it as a subscription (skip automatic detection)
- Not Subscriptions — If a merchant is listed here, never flag it as a subscription (even if it appears recurring)
Only proceed with automatic detection for merchants not found in either list.
Detection Criteria
A series of transactions qualifies as a subscription when all five criteria are met:
| # | Criterion | Rule |
|---|---|---|
| 1 | Same merchant | Normalized merchant name matches across transactions |
| 2 | Regular frequency | Consistent interval between charges (monthly, yearly, weekly) |
| 3 | Amount tolerance | Amounts within ±5% of each other |
| 4 | Minimum occurrences | At least 3 transactions matching the pattern |
| 5 | Recency | Most recent occurrence within the expected interval + 7 days |
Frequency Detection
Determine the frequency by measuring the average interval between transactions:
| Frequency | Expected Interval | Tolerance |
|---|---|---|
| weekly | 7 days | ±2 days |
| monthly | 28–31 days | ±5 days |
| quarterly | 85–95 days | ±10 days |
| yearly | 355–375 days | ±15 days |
If the interval doesn't match any frequency, the charges may be irregular purchases rather than a subscription.
Amount Tolerance
Allow ±5% variation in the recurring amount to account for:
- Price adjustments
- Currency conversion fluctuations
- Tax changes
- Service tier changes
Calculate: |amount_new - amount_avg| / amount_avg <= 0.05
If the amount changes by more than 5%, flag it as a potential price increase rather than disqualifying it as a subscription.
Annual Cost Calculation
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.
- 5d ago First seen · 176 lines · 26 tokens per session scan A 47cc61a3a201
subscription-detection is a skill published in the GitHub repository peerjakobsen/smartspender (5 stars, last pushed 7mo ago), licensed MIT. It adds 26 tokens to every session and 1,503 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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