Spend Optimizer

Audit subscriptions and optimize credit card rewards in one workflow. Analyzes your transaction CSVs to find recurring charges, shows which card each expense should be on, and generates interactive HTML reports.

What It Does

1. Finds subscriptions - Scans months of transactions to identify recurring charges
2. Optimizes card placement - Shows which card each charge is on vs. which card maximizes rewards
3. Flags missed credits - Alerts you when you're paying for something that's FREE on another card (e.g., Disney+ on Amex Platinum, DoorDash on Sapphire Reserve)
4. Detects price increases - Catches when services quietly raised prices on you
5. Tracks annual subscriptions - Flags yearly charges with estimated renewal dates so you don't forget
6. Monitors category caps - Tracks progress toward $150K Amex/Chase bonus limits with overflow suggestions
7. Tracks decisions - Keep, cancel, investigate, or dispute each subscription
8. Calculates savings - Shows potential annual rewards and savings from cancellations

Installation

Copy the spend-optimizer folder to your Claude Code skills directory:

# macOS/Linux
cp -r spend-optimizer ~/.claude/skills/

# Or clone directly
git clone <repo-url> ~/.claude/skills/spend-optimizer

Usage

In Claude Code, say any of these:

• "Audit my subscriptions"
• "Optimize my credit cards"
• "Analyze my spending"
• "Maximize my rewards"

Then provide your transaction CSV exports from your bank/card.

Getting Your CSVs

Card	How to Export
Amex	Log in → Statements & Activity → Download → CSV
Chase	Log in → Account → Download account activity → CSV
Apple Card	Wallet app → Card → Monthly Statements → Export
Capital One	Log in → Account → Download Transactions

Tip: Export 6+ months of data for better pattern detection.

Output

The skill generates interactive HTML reports:

Subscription Audit (subscription-audit.html)

• All recurring charges with amounts
• Current card vs. optimal card for each
• Status tracking (keep/cancel/investigate/dispute)
• Notes field for each item
• One-click export for disputes

Card Optimization Plan (card-optimization.html)

• Your cards and their reward structures
• Spend routing recommendations
• Action items for moving charges
• Annual ROI calculation

Features

• Auto-save - Your decisions persist in browser localStorage
• Privacy mode - Blur service names for screenshots
• Dark mode - Follows system preference
• Dispute export - One-click copy for filing disputes
• No data sent anywhere - Everything stays local

Credit Detection

The skill automatically flags when you're paying for services covered by card credits:

Service	Card with Credit	You Save
Disney+, Hulu, ESPN+	Amex Platinum	$84/yr
Apple TV+	Amex Platinum	$84/yr
Uber/Uber Eats	Amex Platinum	$200/yr
DoorDash	Chase Sapphire Reserve	$60/yr + DashPass
Adobe Creative Cloud	Amex Business Platinum	$150/yr
Cell phone bill	Amex Business Platinum	$120/yr
Grubhub	Amex Gold	$120/yr

See references/credit-cards.md for the full list of 40+ credits across all major cards.

Included References

• references/credit-cards.md - 30+ business cards with reward structures AND statement credits
• references/common-services.md - Cancel URLs and tips for 50+ services

Requirements

• Claude Code CLI
• Transaction CSV exports from your cards

License

MIT - Use it, share it, modify it.