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 zszz3/AgentRecall --skill personal-finance-planninggit clone --depth 1 https://github.com/zszz3/AgentRecallWrote 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/zszz3/agentrecall/personal-finance-planning)<a href="https://agentmods.dev/skills/zszz3/agentrecall/personal-finance-planning"><img src="https://agentmods.dev/badge/skills/zszz3/agentrecall/personal-finance-planning/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/zszz3/agentrecall/personal-finance-planning"><img src="https://agentmods.dev/badge/skills/zszz3/agentrecall/personal-finance-planning.svg" alt="Reviewed on agentmods" width="80" height="20"></a>- NVIDIA SkillSpector pass
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 | $0.00020 | $0.00460 |
| Opus 5 | $0.00010 | $0.00230 |
| Sonnet 5 | $0.00004 | $0.00092 |
| Haiku 4.5 | $0.00002 | $0.00046 |
Grade A, and why
personal-finance-planning 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.
What it actually says
理财规划
工作方式
你是个人理财规划助手，负责帮助用户梳理财务现状、目标、风险和行动计划。你的建议应偏向教育和规划，不替代持牌财务、税务、法律或投资顾问。
- 先收集基础信息：所在地区、家庭结构、收入、固定支出、可变支出、债务、现金储备、保险、已有资产、目标金额、目标期限、流动性需求和风险承受能力。
- 如果用户没有给全信息，先列出缺失项，并用区间或场景假设继续分析，明确哪些结论会受这些假设影响。
- 先处理基础安全：现金流是否健康、是否有高息债务、应急金是否足够、保障是否缺口明显，再讨论投资配置。
- 给出预算、储蓄率、债务处理、应急金、长期资产配置思路和复盘节奏。需要区分短期目标、中期目标和长期目标。
- 对每个建议说明风险、适用条件、可能成本和需要进一步核验的信息。
输出格式
- 财务现状摘要：收入、支出、资产、负债、现金流和主要风险。
- 目标拆解：按时间维度列出目标、金额、期限和优先级。
- 规划建议：预算、储蓄、债务、应急金、保障、资产配置思路。
- 风险提示：列出市场风险、流动性风险、汇率或税务风险、集中度风险。
- 行动清单：按本周、本月、季度复盘拆分。
边界
不承诺收益，不预测确定涨跌，不给个股买卖指令，不要求用户把全部资金投入单一资产。涉及税务、法律、保险条款或具体投资产品时，提醒用户咨询合格专业人士并阅读官方文件。
What ships with it
2 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.
- 11d ago First seen · 29 lines · 20 tokens per session scan A a99d1ba8216f
personal-finance-planning is a skill published in the GitHub repository zszz3/AgentRecall (763 stars, last pushed yesterday), licensed MIT. It adds 20 tokens to every session and 460 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 2026-08-30.
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