spend-optimizer

🥈Silver

Analyzes bank CSV exports to audit subscriptions and optimize credit card reward placement. Built for Claude Code, it flags missed credits, detects price increases, and tracks renewal dates.

1100Updated 1mo ago

Intermediate30min to implementautomation

Saves ~30 min per use

Quick InstallView Source

git clone https://github.com/cathrynlavery/spend-optimizer.git

Works with:

Claude

Overview

About This Skill

Spend Optimizer is a Claude Code skill that parses bank and credit card transaction CSV exports to surface recurring charges, identify unused subscriptions, and recommend the best card for each spending category. It includes reward structures for 30+ credit cards and flags missed statement credits—such as Disney+ or Uber—that cardholders are entitled to but haven't claimed. The skill detects price increases on existing subscriptions, tracks annual renewal dates, and monitors category spending caps like the $150K annual limits on Amex and Chase rewards programs. It also ships with cancellation URLs for 50+ services, making it straightforward to act on audit findings. Anyone looking to reduce subscription waste or get more value from premium travel and rewards cards will benefit from this skill.

Use Cases

Find all recurring charges hidden in months of bank transaction exports

Identify which credit card to use for each merchant to maximize rewards

Flag unclaimed statement credits for services like Disney+ or Uber

Detect subscription price increases since the original sign-up

Setup & Installation

Quick Install

No install command available. Check the GitHub repository for manual installation instructions.

Alternative Install (Git Clone)

git clone https://github.com/cathrynlavery/spend-optimizer

Requirements

Claude Code or compatible AI agent
Works with: Claude

Quick Start Guide

Install the Skill

Copy the install command above and run it in your terminal.

Open Your AI Agent

Launch Claude Code, Cursor, or your preferred AI coding agent.

Try It Out

Use the prompt template or examples below to test the skill.

Customize

Adapt the skill to your specific use case and workflow.

Usage Examples

Prompt Template

Audit my [COMPANY]'s recurring subscriptions and optimize credit card rewards. Here are my [INDUSTRY] expenses: [DATA]. Identify unused or redundant subscriptions and suggest better rewards cards based on spending patterns.

Example Output

# Subscription Audit and Rewards Optimization

## Unused/Redundant Subscriptions
- **Adobe Creative Cloud**: Last used 6 months ago. Consider downgrading to single-app plan.
- **Spotify Premium**: Overlapping with Apple Music Family Plan. Cancel one.
- **Microsoft 365**: Only used for basic features. Consider switching to free Google Workspace.

## Recommended Credit Cards
Based on your spending patterns (70% dining, 20% travel, 10% groceries):
- **Primary Card**: Chase Sapphire Preferred (2x points on dining/travel)
- **Secondary Card**: American Express Gold (4x points on groceries, 3x on dining)

## Estimated Annual Savings
- Subscription optimizations: **$360/year**
- Better rewards utilization: **$1,200/year**

## Action Items
1. Review and cancel unused subscriptions
2. Apply for recommended credit cards
3. Set up automatic payments to maximize rewards