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scan_subscriptions

Detect forgotten subscriptions and hidden recurring charges from raw bank or subscription data. Returns verdict, annual cost, and estimated savings.

Instructions

Detect recurring subscriptions and 'zombie' (forgotten / wasteful) charges from raw bank or subscription data. Paste a CSV export or free-form lines (date, description, amount). Returns each recurring charge with a ZOMBIE/REVIEW/ACTIVE verdict, cadence, annualized cost, and the estimated yearly savings from killing the zombies.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
dataYesRaw transaction text: CSV bank export or lines like '2026-05-12, NETFLIX.COM, -12.99'.
Behavior3/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

No annotations are provided, so the description carries full burden. It discloses that the tool returns verdicts, cadence, cost, and savings, but does not explicitly state it is read-only, non-destructive, or mention any permissions needed.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness5/5

Is the description appropriately sized, front-loaded, and free of redundancy?

The description is concise, well-structured, and front-loaded. It starts with purpose, then input instructions, then output summary, with no wasted words.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness4/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

For a single-parameter tool with no output schema, the description covers purpose, input format, and output fields (verdict, cadence, cost, savings). It is sufficiently complete, though it could mention limitations like maximum data size.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters4/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema coverage is 100% for the single parameter. The description adds formatting guidance ('Paste a CSV export or free-form lines') beyond the schema's description, enhancing understanding.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description clearly states the tool detects recurring subscriptions and 'zombie' charges from raw data. It uses specific verbs ('Detect') and resources ('subscriptions', 'zombie charges'), and is distinct from sibling tools like build_letter_package.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines4/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

The description provides clear instructions on input format (CSV export or free-form lines with date, description, amount). However, it does not explicitly state when not to use this tool or compare it to alternatives.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

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