Subscription Audit

Analyzes recurring charges to find subscriptions, calculates total monthly/annual cost, flags services with no recent usage, and recommends cancellations. Trigger when user asks about subscriptions, recurring charges, "what am I paying for monthly", or wants to cut expenses.

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File contents

Subscription Audit

Workflow

  1. Find recurring charges: Use anomaly_detect with types ["unused_subscriptions"] to identify all recurring transactions
  2. Get recurring transactions: Use transaction_search with query "all recurring transactions" to get the full list
  3. Analyze each subscription:
    • Calculate monthly cost (normalize weekly/annual charges to monthly)
    • Determine last activity date for each service
    • Flag subscriptions with no non-subscription activity in 90+ days
  4. Calculate totals:
    • Total monthly subscription spend
    • Total annual subscription spend
    • Number of active vs potentially unused subscriptions
  5. Generate recommendations:
    • Rank subscriptions by cost (highest first)
    • Highlight unused subscriptions with estimated annual savings if cancelled
    • Flag any duplicate or overlapping services (e.g., multiple streaming services)
  6. Present findings:
    • Summary table: Service | Monthly Cost | Last Activity | Status
    • Total monthly/annual spend
    • Recommended cancellations with projected savings
    • Note: Recommendations are suggestions — user makes final decisions

openaccountant/wilson/tree/main/src/skills/subscription-audit commit 183e4da0ed

Frequently asked questions

npx skillmds@latest add openaccountant/subscription-audit-2