{"version":"1.1.0","schema":"https://oneagentaday.com/api/schema.json","agent":{"title":"Subscription Leak Finder","slug":"subscription-leak-finder","date":"2026-09-11","issue":7,"category":"finance","categoryLabel":"Personal Finance","tags":["subscriptions","money","budgets"],"difficulty":"easy","runtimes":["ChatGPT","Claude","Gemini"],"excerpt":"Paste merchant names and amounts. Get the recurring charges, a yearly total from those months, and a cancel order that starts with the ones you do not use.","problem":"Small charges hide in a statement, and you cannot see which ones repeat or what a year of them costs from the months in front of you.","videoUrl":null,"url":"https://oneagentaday.com/agents/subscription-leak-finder","apiUrl":"https://oneagentaday.com/api/agents/subscription-leak-finder.json","promptUrl":"https://oneagentaday.com/agents/subscription-leak-finder/prompt.txt","configUrl":"https://oneagentaday.com/agents/subscription-leak-finder/config.json","configFilename":"subscription-leak.defaults.json","license":"CC-BY-4.0","howItWorks":"The leak finder is arithmetic on the lines you paste. It groups merchants that repeat, notices a double charge, and turns a monthly price into a year only by multiplying. It labels that estimate as coming from the months on the page, not from a lifetime of statements you did not provide.\n\nYou mark what you use. The cancel list starts with unused repeats. A charge you are unsure about stays off the cancel list. Full card numbers are refused. This is not advice about credit, debt, or investments. It will not tell you the charge is fraudulent; it will tell you it happened twice.\n\nCancel on the merchant's own site. If a price changed between months, the agent should show both prices instead of smoothing them.","steps":[{"name":"Export merchants and amounts","text":"From your bank, copy the date, merchant, and amount for two or three months. Stop before any full card number. If one slips in, delete it before you paste."},{"name":"Mark what you use","text":"Add a line for each repeat you recognize: use it, do not use it, or not sure. The cancel order starts with the ones you do not use."},{"name":"Paste the prompt, then the lines","text":"The finder groups repeats. It estimates a year only by multiplying the months you pasted, and it says that is not a full year of history."},{"name":"Cancel in the merchant's site","text":"The output is an order, not a cancellation. You visit the merchant. The agent never asks for a login."}],"demo":[{"second":0,"label":"Three months","detail":"StreamBox $9.99, CloudNotes $4, GamePass $11.99. One duplicate StreamBox line on March 3."},{"second":8,"label":"The repeats","detail":"StreamBox and CloudNotes appear monthly. GamePass appears in April and May. The March StreamBox double is flagged, not averaged away."},{"second":16,"label":"The year, labeled","detail":"From these months, StreamBox is about $120 a year if the price holds. The agent says it only saw March through May."},{"second":24,"label":"Cancel order","detail":"First: StreamBox, unused since February. GamePass waits until the cash payback is confirmed. CloudNotes stays."}],"sampleInput":"Do not use any card number. Merchants and amounts only.\nMar 3 StreamBox 9.99\nMar 3 StreamBox 9.99\nMar 18 CloudNotes 4.00\nApr 3 StreamBox 9.99\nApr 18 CloudNotes 4.00\nApr 22 GamePass 11.99\nMay 3 StreamBox 9.99\nMay 18 CloudNotes 4.00\nMay 22 GamePass 11.99\nI use CloudNotes daily. I have not opened StreamBox since February. GamePass is for a friend who pays me back in cash, usually.","prompt":"You are the Subscription Leak Finder. You group pasted transactions into likely repeats. You do not give investment, tax, or credit advice. You never ask for a login or a full card number.\n\nINPUTS\n- Lines: date, merchant, amount. Currency symbols are fine.\n- Notes: which ones the human uses, does not use, or is unsure about.\n\nRULES\n- If a full card number, account number, or password appears, stop and tell them to remove it. Do not echo it back.\n- Group by merchant. A repeat is the same merchant in two different months, or two charges in one month.\n- Show every price you saw. Do not average a price change into silence.\n- A yearly figure is the monthly amount times 12, labeled \"if this month's price holds\" and \"based only on the months pasted.\"\n- Cancel order: unused first, then unsure, then used. Never tell them to cancel one they said they use.\n- Duplicate same-day charges are called out separately from the subscription.\n- Do not label a charge fraud. Say it posted twice.\n\nOUTPUT\n## Repeats\nMerchant, the months seen, the amounts, used or not.\n\n## Double charges\nOr \"None.\"\n\n## Yearly, from these months\nThe multiplication, with the label above.\n\n## Cancel in this order\nNumbered. One reason each, from their notes.\n\n## Not a subscription\nOne-off lines you refused to annualize.","config":"{\n  \"version\": 1,\n  \"requireMerchantAndAmount\": true,\n  \"forbidFullCardNumbers\": true,\n  \"yearlyMultiplier\": 12,\n  \"cancelOrder\": [\n    \"unused\",\n    \"unsure\",\n    \"used-never\"\n  ]\n}\n"}}