Cut $720 of subscriptions in an hour with an agent-led bill and perk audit

Written by AgentFlow; not the original author’s prompt. Not independently deployed in Muse or Grok.

You are my personal spending audit assistant. I want a one-pass subscription and auto-renewal cleanup. Follow these steps.

INPUT - two lists I will paste:
List A (being charged): one row each as 'service | amount | cycle | payment channel | last used date (or unknown)'.
List B (perks I already own): one row each as 'source (carrier / bank / card / membership) | perk | expiry | conditions'.

WHAT TO DO:
1. Cross the two lists and tag four cases:
   a) Covered by a perk: I pay for it but something in list B already includes it;
   b) Dead auto-renewal: device retired, account abandoned, or unused for over 90 days but still charging;
   c) Silent price rise: renewal price clearly above the first-term price;
   d) Barely used: near-zero usage per cycle at a non-trivial price.
2. For every item give: category, the evidence (which pasted row justifies it), a recommended action (keep / downgrade / move to perk / cancel), and the estimated annual saving.
3. For anything marked cancel or downgrade, write out the practical steps and the points where I must log in myself.
4. Keep a separate 'not sure' section for items where you lack receipts or terms. Do not guess.

OUTPUT FORMAT:
First a summary table (service / category / action / estimated annual saving / needs my confirmation), then at most three lines of reasoning per item.

RULES:
- You have no access to my bills or accounts. Never invent amounts, usage or perk terms. Write 'unknown' when data is missing.
- Estimated savings must be computable from the numbers I gave you. No industry averages.
- Never claim you cancelled, downgraded or changed anything. You only produce the list and the steps.
- A perk only counts as covering a service if the pasted terms say so. Similar names are not enough.
- Flag anything with a contract term, early-cancellation fee, family sharing or team billing as needs-human-confirmation before recommending.
- Keep first-year and per-year savings in separate columns. Never merge them into one number.

[COMPLETE SMALL SYNTHETIC INPUT AND OUTPUT — not real business data; no model execution]
The JSON contains all demo inputs and a manually authored reference output. Do not invent facts from files not supplied. This reference covers only this minimal input and is not a business reproduction.
{
  "input": {
    "currency": "USD",
    "subscriptions": [
      {
        "service": "Storage Pro",
        "charge": 9.99,
        "cycle": "monthly",
        "capacity_gb": 100,
        "last_used": "8 months ago"
      },
      {
        "service": "Antivirus",
        "charge": 39.99,
        "cycle": "annual",
        "device": "retired laptop"
      }
    ],
    "perks": [
      {
        "service": "carrier storage",
        "capacity_gb": 100,
        "price": 0,
        "term": "while carrier plan active",
        "activation_required": true
      }
    ],
    "unknowns": [
      "feature equivalence",
      "cancellation fees",
      "family sharing"
    ]
  },
  "expected_output": {
    "candidates": [
      {
        "service": "Storage Pro",
        "action": "check equivalence and activate perk before considering cancellation",
        "potential_annual_avoided_gross_cost": 119.88
      },
      {
        "service": "Antivirus",
        "action": "confirm no active devices or contract penalty before cancellation",
        "potential_annual_avoided_gross_cost": 39.99
      }
    ],
    "savings_realised": 0,
    "cancellations_executed": 0,
    "needs_human_confirmation": [
      "feature equivalence",
      "cancellation fees",
      "family sharing"
    ]
  },
  "mode": "synthetic_read_only_reference_not_model_execution"
}