# Cost Structure

> Answer "what are we spending on?" using Well's MCP financial graph — a deterministic category breakdown of one month's outflow, with the share each category takes and which grouping produced it. Use when the user asks "what are we spending on", "break down our expenses", "where is the money going", "what are our biggest costs", or "show me our cost structure". Requires a connected Well workspace with bank or accounting data; if none is connected, this skill guides the user to connect one first.

- Skill: `wellapp-ai/cost-structure` (Agent Skill)
- Install (CLI): `npx skillmds@latest add wellapp-ai/cost-structure`
- Raw SKILL.md: https://api.skillmd.com/api/skills/wellapp-ai/cost-structure/raw
- Safety review: pending
- Works with: Claude Code, Claude.ai, OpenAI Codex
- Category: AI & ML
- License: PolyForm-Perimeter-1.0.0
- Author: wellapp-ai (https://skillmd.com/u/wellapp-ai)
- Updated: 2026-09-17
- Page: https://skillmd.com/skills/wellapp-ai/cost-structure

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# Cost structure

The instructions for this skill are served by Well's MCP server, so they are always current. This file only loads them.

1. Check that `well_*` tools are in your toolset. If none are, tell the user to add the Well MCP connector (https://api.wellapp.ai/v1/mcp) and stop.
2. Call `well_get_skill({ skill: "cost-structure" })` and follow the returned document exactly. It is the authoritative instruction set; do not substitute your own plan for it.
3. When the document tells you to run another Well skill, load it the same way, with `well_get_skill`, at the moment the document says to.
4. If the tool returns `success: false` or an error, tell the user the instructions are temporarily unavailable and stop. Do not improvise from memory.