spend-optimizer

Complete spend optimization: subscription auditing + credit card rewards maximization.

What This Does

Subscription Audit - Find recurring charges, categorize (keep/cancel/investigate), calculate savings
Card Optimization - Map charges to optimal credit cards based on reward categories
Credit Optimization - Flag services you're paying for that should be FREE via card credits
Interactive Reports - HTML dashboards with dispute tracking, notes, and actionable insights

Workflow

Step 1: Get Transaction CSVs

Ask user for bank/card CSV exports. Support multiple cards for full optimization.

Common export sources:

Apple Card: Wallet → Card Balance → Export
Amex: Account → Statements & Activity → Download
Chase: Accounts → Download activity → CSV
Mint/Copilot: Transactions → Export all

Important: Request exports from ALL cards for accurate optimization. Note the last 4 digits of each card number.

Step 2: Gather Card Information

Ask user about their credit cards:

What credit cards do you have? For each, I need:
- Last 4 digits (for matching to transactions)
- Card name (e.g., "Amex Gold", "Chase Sapphire")
- Annual fee (if known)

Check credit-cards.md for common card reward structures.

Step 3: Analyze Transactions

Read all CSVs and identify:

Recurring charges:

Same merchant, similar amounts, monthly/annual frequency
Flag subscription-like charges (streaming, SaaS, memberships)
Note charge frequency and total annual cost

Card optimization opportunities:

Which card each charge is currently on
Which card it SHOULD be on for max rewards
Calculate potential rewards gain from moving charges

Credit/perk opportunities:

Check credit-cards.md Statement Credits section
Flag any service the user is paying for that's covered by a card credit they have
Examples:
- Paying for Disney+ on Chase → Should be on Amex Platinum (free $7/mo credit)
- Paying for Uber on random card → Should be on Amex Platinum ($15/mo) or Amex Gold ($10/mo)
- Paying for DoorDash → Should be on Chase Sapphire Reserve (free DashPass + $5/mo)
- Paying for Adobe → Should be on Amex Business Platinum ($150/yr credit)
- Paying for cell phone bill → Should be on Amex Business Platinum ($10/mo wireless credit)

Step 4: Categorize with User

For each subscription, ask user to set status:

Keep - Intentional, continue paying
Cancel - Stop immediately
Investigate - Needs decision (unsure, contract trap)
Dispute - Never got access, want refund

Ask in batches of 5-10 to avoid overwhelming. Include card optimization recommendation with each.

Step 5: Generate HTML Report

Use template.html to create interactive report:

Header section:

Subscription count and total monthly spend
Potential annual rewards with optimized card usage
Savings from cancelled subscriptions
Dispute count and value

Card legend:

List all user's cards with color coding
Show reward categories for each card

Subscription rows include:

Service name and monthly amount
Current card (color-coded badge)
Optimal card with "OK" or "MOVE" indicator
Status dropdown (Keep/Cancel/Investigate/Dispute)
Notes field for user comments
Frequency (monthly/annual/etc.)

Features:

Auto-save to localStorage
Export disputes button
Privacy toggle (blur names)
Collapsible sections
Dark mode support

Step 6: Generate Card Optimization Plan

If significant optimization opportunities exist, create card-optimization.html:

Card arsenal overview (all cards, fees, reward structures)
Spend routing strategy table
Action items for card migration
Quick reference cheat sheet
Monthly checklist
ROI summary (fees vs rewards)

Step 7: Help Cancel & Dispute

When user is ready to act:

Cancellations:

Check common-services.md for cancel URLs
Use browser automation to navigate and cancel if requested
Update HTML row status when done

Disputes:

Export disputes from HTML report
Provide guidance on disputing with card issuer
Note: Most cards allow disputes within 60-120 days

Card Optimization Logic

Common Reward Categories

Advertising/Marketing:

Facebook, Google, TikTok, Pinterest, LinkedIn ads
Best cards: Amex Business Gold (4x), Chase Ink (3x)

Software/SaaS:

Shopify, Notion, Adobe, cloud services
Best cards: Amex Business Gold (4x), Amex Business Platinum (1.5x on $5K+)

Shipping:

ShipBob, UPS, FedEx, USPS
Best cards: Amex Business Gold (4x), Chase Ink (3x)

Travel:

Flights, hotels, car rentals
Best cards: Chase Sapphire Reserve (3-10x), Amex Platinum (5x)

Dining:

Restaurants, food delivery
Best cards: Chase Sapphire Reserve (3x), Amex Gold (4x)

Internet/Phone:

ISP, cell phone, cable
Best cards: Chase Ink Preferred (3x)

Category Caps

Many cards have annual caps on bonus categories:

Amex Business Gold: $150K per category at 4x
Chase Ink: $150K combined at 3x

Track spending against caps and recommend overflow cards.

File Structure

spend-optimizer/
├── SKILL.md                 # This file
├── assets/
│   ├── template.html        # Subscription audit template
│   └── card-optimization-template.html  # Card strategy template
└── references/
    ├── common-services.md   # Cancel URLs and tips
    └── credit-cards.md      # Card reward structures

Privacy

All data stays local:

Transaction CSVs analyzed in-session only
HTML reports stored on user's machine
localStorage for user preferences
No data sent anywhere

Tips

For maximum value:

Get CSVs from ALL cards (not just one)
Look at 6+ months of data for pattern detection
Track category cap progress quarterly
Update card payment methods for "MOVE" items
Set calendar reminders for annual subscriptions

Red flags to surface:

Duplicate subscriptions (same service, multiple charges)
Price increases - Compare same merchant across months (see Price Increase Detection below)
Zombie charges (services no longer used)
Trial conversions (free trial → paid)
Annual charges - Flag yearly subscriptions with renewal estimates (see Annual Tracker below)
Missed credits - Paying for something covered by a card credit (see below)
Category cap warnings - Alert when approaching $150K limits (see Cap Tracker below)

Credit opportunities to flag:

Always check if user is paying for any of these on the wrong card:

| If paying for... | Move to this card | Credit value | |------------------|-------------------|--------------| | Disney+, Hulu, ESPN+ | Amex Platinum | $7/mo FREE | | Peacock | Amex Platinum | $7/mo FREE | | Audible | Amex Platinum | $7/mo FREE | | NYTimes | Amex Platinum | $7/mo FREE | | Apple TV+ | Amex Platinum | $6.99/mo FREE | | Walmart+ | Amex Platinum | $12.95/mo FREE | | Uber/Uber Eats | Amex Platinum | $15/mo FREE | | Uber/Uber Eats | Amex Gold | $10/mo FREE | | Grubhub/Seamless | Amex Gold | $10/mo FREE | | DoorDash | Chase Sapphire Reserve | $5/mo + DashPass FREE | | DoorDash | Capital One Venture X | $10/mo FREE | | Instacart | Chase Sapphire Reserve | Instacart+ FREE | | Adobe Creative Cloud | Amex Business Platinum | $150/yr credit | | Dell purchases | Amex Business Platinum | $400/yr credit | | Indeed job posts | Amex Business Platinum | $360/yr credit | | Cell phone bill | Amex Business Platinum | $10/mo credit | | Clear | Amex Platinum | $199/yr FREE | | Equinox/SoulCycle | Amex Platinum | $25/mo credit | | Global Entry/PreCheck | Multiple cards | $100 credit |

Report format for missed credits:

When flagging a missed credit, show:

⚠️ MISSED CREDIT: You're paying $X.XX/mo for [Service] on [Current Card]
   → Move to [Credit Card] to get it FREE ($XX/yr savings)

Price Increase Detection

Compare the same merchant across multiple months to catch silent price increases.

How to detect:

Group transactions by merchant name (normalize: lowercase, remove extra spaces)
For recurring charges, compare amounts month-over-month
Flag if current amount > previous amount

Report format:

⚠️ PRICE INCREASE: [Service] went from $X.XX to $Y.YY (+Z%)
   First seen at new price: [Date]
   Consider: Is this still worth it at the new price?

Common patterns:

Streaming services: Often increase $1-2/mo annually
SaaS tools: May increase 10-20% at renewal
Annual subscriptions: Harder to notice since you only see once/year

Thresholds:

Flag any increase > $1 or > 5%
Highlight increases > 20% as significant

Annual Subscription Tracker

Annual charges are easy to forget. Flag them and estimate renewal dates.

How to detect:

Look for charges that appear only once in 6-12 months of data
Check if amount suggests annual billing ($100+ single charge vs $10 monthly)
Look for merchant names containing: "annual", "yearly", or known annual services

Known annual services to watch for:

Domain registrations (GoDaddy, Namecheap, Google Domains)
Annual software licenses (Adobe, Microsoft 365)
Memberships (Costco, Amazon Prime, warehouse clubs)
Professional subscriptions (industry associations)
Insurance premiums
Accounting software (QuickBooks, FreshBooks)

Report format:

📅 ANNUAL SUBSCRIPTION: [Service] - $XXX/year
   Last charged: [Date]
   Estimated renewal: [Date + 1 year]
   ⏰ Set reminder for [2 weeks before renewal]

In HTML report:

Add "Annual" badge to these subscriptions
Show estimated renewal date
Sort annual subscriptions by upcoming renewal date

Category Cap Tracker

Track spending against bonus category caps to maximize rewards.

Key caps to track:

| Card | Category | Cap | Multiplier After | |------|----------|-----|------------------| | Amex Business Gold | Each bonus category | $150,000/yr | 1x | | Amex Blue Business Plus | All purchases | $50,000/yr | 1x | | Chase Ink Preferred | Combined bonus categories | $150,000/yr | 1x | | Chase Ink Cash | Office supplies | $25,000/yr | 1% | | Chase Ink Cash | Internet/phone | $25,000/yr | 1% | | Chase Ink Cash | Gas/dining | $25,000/yr | 1% | | BofA Customized Cash | Choice category | $50,000/yr | 1% |

How to track:

Categorize each transaction by reward category
Sum spending per category per card
Calculate percentage of cap used
Project when cap will be hit based on monthly average

Report format:

📊 CATEGORY CAP STATUS: [Card Name]

Advertising:     $87,500 / $150,000 (58%) ████████░░░░
Software:        $42,000 / $150,000 (28%) ████░░░░░░░░
Shipping:        $12,000 / $150,000 (8%)  █░░░░░░░░░░░

⚠️ At current pace, you'll hit Advertising cap in ~2.5 months
   → Consider moving overflow to Chase Ink Preferred (3x)

Alerts:

🟡 Warning at 75% of cap
🔴 Alert at 90% of cap
Suggest overflow card when approaching limit

Quarterly review:

Q1: Check if on pace to hit caps
Q2: Mid-year adjustment if needed
Q3: Start planning overflow strategy
Q4: Final push to maximize before reset

Cap reset dates:

Amex: Calendar year (Jan 1)
Chase: Cardmember year (anniversary date)
Check card terms for specific reset timing