# 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:
```bash
# 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.