SKILL FILE

Subscription Audit with AI

Scan your transaction ledger for every recurring charge. Group by vendor. Flag duplicates, services you stopped using, silent price increases, free trials about to convert. Typical first-run recovery: $100–500/mo.

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What this skill file teaches Claude

Drop one markdown file into your repo. Claude Code learns how to run this entire workflow.

1

Recurrence detection

Identifies charges that recur monthly, quarterly, or annually — even when the vendor name varies slightly between charges.

2

Vendor grouping

Groups all charges from the same vendor across cards / accounts / months. One line per service, not 12.

3

Change detection

Flags any vendor whose monthly amount changed in the last 3 months — usually a price increase or plan upgrade you didn't approve.

4

Trial conversion alerts

First charge from a vendor after a known trial period (14d, 30d) = likely silent conversion. Flagged for review.

5

Kill candidates

Ranks subscriptions by spend × age. Suggests cancellation candidates with one-click cancellation links where available (or the cancellation flow URL).

What you can build with this

Quarterly subscription cleanup

Run every 3 months. Skim the report. Cancel the duplicates and the dormant tools. Typical first-run recovery: $100–500/mo.

Pre-budget review

Before planning next quarter's spend, know exactly what's already committed. Avoids the 'wait, we already pay for that?' moment in budget meetings.

M&A / handover prep

If you're handing over a business — or just want clean docs — this generates the canonical 'what we're paying for monthly' list with zero memory work.

Get the full skill file

Everything above is 80% of the skill file. Download the complete version with full implementation details, agent prompts, and ready-to-run scripts.

Common questions

No — surfaces what to cancel. Cancellation is irreversible (sometimes), so it stays human-in-the-loop. The skill provides the cancellation flow URL where it knows one.
Detected by amount + once-a-year cadence. Flagged separately because they have different cancellation windows (often a 30-day pre-renewal notice required).
Optional — export to a Sheet for tracking. The default output is a markdown report committed to the repo, because the ledger is the source of truth and the report is derivative.
Grouped by vendor but split into rows by amount + frequency, so a vendor with two plans appears as two lines. Often this surfaces a duplicate.
Yes — bank descriptions like 'GH.IO LLC 5550984222' need an LLM to map to 'GitHub Copilot.' Low-confidence guesses are flagged for confirmation.

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