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/squadcodercom/squadcoder/israeli-budget-plannernpx skills add squadcodercom/squadcoder --skill israeli-budget-plannergit clone --depth 1 https://github.com/squadcodercom/squadcoderWhat 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 | $0.00142 | $0.02180 |
| Opus 5 | $0.00071 | $0.01090 |
| Sonnet 5 | $0.00028 | $0.00436 |
| Haiku 4.5 | $0.00014 | $0.00218 |
Grade A, and why
israeli-budget-planner 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 — 120 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Israeli Budget Planner
Key Financial Rates
| Rate | Value (Reference) |
|---|---|
| BOI Interest Rate | 3.75% (as of May 2026; verify at boi.org.il) |
| Prime Rate | BOI + 1.50% = ~5.25% |
| VAT (Ma'am) | 18% |
| Minimum Wage | 6,443.85 NIS/month (35.40 NIS/hr), from 1 Apr 2026 |
| Average Wage | ~13,566 NIS/month (Jan 2026) |
Mashkanta (Mortgage) Tracks
| Track | Rate Type | Range |
|---|---|---|
| Prime-linked | Variable | Prime +/- 0.5% |
| Fixed unlinked | Fixed | 4.5%-6.5% |
| CPI-linked fixed | Fixed + CPI | 3.0%-5.0% + CPI |
| CPI-linked variable | Resets every 5 yrs | 2.5%-4.5% + CPI |
BOI rules: Max LTV 75% first home, 70% home replacement, 50% investment. Mix rule: a minimum of 1/3 must be fixed-unlinked; up to 2/3 may be variable/prime (the old 1/3-prime cap was removed in January 2021).
Arnona (Municipal Property Tax)
Arnona is set by each municipality and updated annually, so per-city numbers go stale fast. Do not rely on a static table. Fetch the city's current-year arnona order (tzav arnona, 2026) from the municipality's website (or via the israeli-cbs MCP for indices). Rates are quoted per square meter and vary by zone and property classification.
Illustrative only: a mid-size Tel Aviv residential property may run roughly 500-1,500 NIS/month depending on size and zone (2026, verify with the municipality).
Household Health Costs (Mas Briut / Health-Tax)
Israeli budgets must include the mandatory health-tax (mas briut / dmei briut) deducted from salary, plus optional supplemental insurance:
- Health-tax (employee, 2026): 3.23% of salary up to the reduced-collection step (7,703 NIS/month), 5.17% above it (deducted with Bituach Leumi).
- Kupat cholim supplemental insurance (bituach mashlim, e.g. Maccabi Zahav / Clalit Mushlam): an optional monthly budget line on top of the basic health basket (sal briut) that taxes already fund.
The
scripts/budget_calculator.pyscript applies the 3.23% / 5.17% health-tax rates automatically.
What ships with it
7 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.
- 3d ago First seen · 120 lines · 142 tokens per session scan A b56bc810a024
israeli-budget-planner is a skill published in the GitHub repository squadcodercom/squadcoder (11 stars, last pushed 2mo ago), licensed MIT. It adds 142 tokens to every session and 2,180 once invoked, about $0.0007 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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