Subscription Auditor Skill

Every card statement hides a museum of past enthusiasms billing monthly. This skill runs the audit an accountant would: inventory every recurring charge, price the waste annually (monthly numbers anesthetize), verdict each one — and stop exactly at the line where money moves. Cancellation is prepared, never performed.

What This Skill Produces

• The inventory — every recurring charge: service, amount, cadence, last-used evidence, renewal date
• The annual-waste number — the headline: what "unused + forgotten" costs per year
• Verdicts — keep / cancel / downgrade / share-a-seat, each with the one-line case
• Cancellation prep — per cancel-verdict: the how (portal path, email draft, phone script), the deadline before next billing, retention-offer guidance

Required Inputs

Ask for these if not provided:

• The data — statement exports (CSV/PDF), a receipts-email folder, or app-store subscription pages the agent can read
• Usage signals — the user's honest read on what they still use; where available, last-login evidence
• Household scope — just theirs, or family plans and duplicates across the household
• The keep-regardless list — subscriptions that are load-bearing whatever the numbers say

Framework

1. Recurrence detection: same merchant at regular intervals ± a few days; catch the annuals (the expensive ambush) by scanning 13 months back, not 3.
2. Annualize everything: $12.99/mo reads as harmless; $156/yr across nine services reads as a holiday. Always print both.
3. The evidence bar for "cancel": no usage signal + no user-claimed use + not on the keep list. One signal short → verdict is "confirm", not "cancel".
4. Duplicates & overlaps: two streaming services with the same catalog niche, storage plans on three clouds, the family paying twice — the overlap table is often the biggest line.
5. Trial-trap scan: anything that started as a trial in the last 90 days gets its renewal date bolded.