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/user-memorynpx skills add peerjakobsen/smartspender --skill user-memorygit 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/user-memory)<a href="https://agentmods.dev/skills/peerjakobsen/smartspender/user-memory"><img src="https://agentmods.dev/badge/skills/peerjakobsen/smartspender/user-memory.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 | $0.00031 | $0.02469 |
| Opus 5 | $0.00015 | $0.01234 |
| Sonnet 5 | $0.00006 | $0.00494 |
| Haiku 4.5 | $0.00003 | $0.00247 |
Grade A, and why
user-memory 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 3d 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 — 270 lines — stays where its author put it; the contents beside it link to each section on GitHub.
User Memory
Purpose
Automatically detect when users provide information about their financial situation, preferences, or corrections, and persist this to the appropriate learnings file so future sessions can use it.
When to Activate
This skill activates automatically when:
- User answers a question about their financial situation
- User volunteers personal context information
- User corrects a categorization, subscription status, or merchant name
- User states an output preference
Trigger Patterns
Financial Situation (Danish)
| Pattern | Category | Extraction |
|---|---|---|
Jeg har [X] kr i nødopsparing/opsparing |
emergency_fund | amount |
Min nødopsparing er [X] kr |
emergency_fund | amount |
Jeg har [X] måneder i opsparing |
emergency_fund | months_coverage |
Jeg har gæld i/til [X] |
debt | creditor |
Min gæld er [X] kr |
debt | amount |
Jeg skylder [X] kr til [Y] |
debt | amount, creditor |
Min pension er [X]% |
pension | percentage |
Jeg indbetaler [X]% til pension |
pension | percentage |
Jeg har pension hos [X] |
pension | provider |
Min løn er [X] kr |
income | amount |
Jeg tjener [X] kr om måneden |
income | amount |
Min bruttoløn er [X] kr |
income | gross_amount |
Financial Situation (English)
| Pattern | Category | Extraction |
|---|---|---|
I have [X] in emergency fund/savings |
emergency_fund | amount |
My emergency fund is [X] |
emergency_fund | amount |
I have [X] months of expenses saved |
emergency_fund | months_coverage |
I have debt with/to [X] |
debt | creditor |
I owe [X] to [Y] |
debt | amount, creditor |
My pension is [X]% |
pension | percentage |
I contribute [X]% to pension |
pension | percentage |
My salary is [X] |
income | amount |
I earn [X] per month |
income | amount |
Personal Context (Danish)
| Pattern | Category | Extraction |
|---|---|---|
Jeg arbejder hos [X] |
employer | company_name |
Min arbejdsgiver er [X] |
employer | company_name |
Jeg er ansat hos [X] |
employer | company_name |
Jeg vil gerne [X] |
goal | goal_description |
Mit mål er at [X] |
goal | goal_description |
Jeg sparer op til [X] |
goal | savings_goal |
Jeg planlægger at [X] |
goal | plan_description |
Jeg er [X] (single/married/etc.) |
life_situation | status |
Jeg har [X] børn |
life_situation | children_count |
Jeg bor i [X] |
life_situation | location |
Jeg er [X] år |
life_situation | age |
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.
- 3d ago First seen · 270 lines · 31 tokens per session scan A a0de4eb5ee28
user-memory is a skill published in the GitHub repository peerjakobsen/smartspender (5 stars, last pushed 7mo ago), licensed MIT. It adds 31 tokens to every session and 2,469 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 2026-08-31.
Other skills, from other repositories
researchers-financial
Researches SEC filings, earnings calls, analyst reports, and market data. Use when the album subject involves financial crimes, corporate stories, or market events.
finance-cleanup
Use when the user wants to clean up transactions, fix categories, find missing recurring charges, or do general transaction hygiene in Copilot Money.
finance-pulse
Use when the user asks how they're doing financially, wants a spending check-in, asks about free money or discretionary budget, or says 'pulse'. Read-only — never writes to Copilot Money.
finance-trip
Use when the user wants to track trip expenses, tag travel transactions, find late-posting charges from a trip, or get a trip spending summary. Example: 'tag my Tahiti trip expenses' or 'how much did I spend in Whistler?'.
finance
Use for open-ended financial questions: 'can I afford X?', 'should I buy X?', 'how much can I spend on Y?', or any affordability, budgeting, or financial planning question. Also use when the user asks a financial question that doesn't fit /finance-cleanup, /finance-pulse, or /finance-trip.
portfolio-rs
Use when operating in a portfoliors finance workspace, reviewing portfolios, generating reports, drafting decisions, or working with INVESTMENTPOLICY.md, positions.json, portfolio/policy.toml, diary, decisions, theses, reports, or watchlist files.