Cost Tracking
affaan-m/ECC
Track and report Claude Code token usage, spending, and budgets from the local ECC cost-tracker metrics log.
Decode a 401k or workplace retirement plan — the real cost of its funds, the match's fine print, vesting math, and the plan features worth using or avoiding.
MITAuto-check passed
Install 401k Plan Decoder
$ npx skills add mohitagw15856/pm-claude-skills --skill 401k-plan-decoder -a claude-codeProject install by default; add -g for ~/.claude/skills/.
$ gh skill install mohitagw15856/pm-claude-skills 401k-plan-decoder --agent claude-codeProject scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .claude/skills && cp -r skills-src/skills/401k-plan-decoder .claude/skills/401k-plan-decoder && rm -rf skills-srcUse ~/.claude/skills/ instead of .claude/skills for a personal install. The folder must contain SKILL.md.
Claude Code skills documentation · loads skills from .claude/skills/
Install the "401k-plan-decoder" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/401k-plan-decoder into .claude/skills/401k-plan-decoder/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "401k-plan-decoder", then confirm the skill loads.Claude Code copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$skill-installer install https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/401k-plan-decoderType this inside Codex. $skill-installer <name> installs a curated skill from openai/skills. The installer writes to $CODEX_HOME/skills (default ~/.codex/skills). Restart Codex if the skill does not show up.
$ npx skills add mohitagw15856/pm-claude-skills --skill 401k-plan-decoder -a codexProject install goes to .agents/skills/; add -g for ~/.codex/skills/.
$ gh skill install mohitagw15856/pm-claude-skills 401k-plan-decoder --agent codexProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .agents/skills && cp -r skills-src/skills/401k-plan-decoder .agents/skills/401k-plan-decoder && rm -rf skills-srcUse ~/.agents/skills/ instead of .agents/skills for a personal install.
Codex skills documentation · loads skills from .agents/skills/
Install the "401k-plan-decoder" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/401k-plan-decoder into .agents/skills/401k-plan-decoder/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "401k-plan-decoder", then confirm the skill loads.Codex copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add mohitagw15856/pm-claude-skills --skill 401k-plan-decoder -a cursorProject install goes to .agents/skills/; add -g for ~/.cursor/skills/.
$ gh skill install mohitagw15856/pm-claude-skills 401k-plan-decoder --agent cursorProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .cursor/skills && cp -r skills-src/skills/401k-plan-decoder .cursor/skills/401k-plan-decoder && rm -rf skills-srcUse ~/.cursor/skills/ instead of .cursor/skills for a personal install.
Cursor skills documentation · loads skills from .cursor/skills/, .agents/skills/, .claude/skills/, .codex/skills/
Install the "401k-plan-decoder" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/401k-plan-decoder into .cursor/skills/401k-plan-decoder/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "401k-plan-decoder", then confirm the skill loads.Cursor copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gemini skills install https://github.com/mohitagw15856/pm-claude-skills.git --path skills/401k-plan-decoder--scope user (default) or --scope workspace; --path is the subfolder of the repo that holds the skill; --consent skips the security confirmation prompt.
$ npx skills add mohitagw15856/pm-claude-skills --skill 401k-plan-decoder -a gemini-cliProject install goes to .agents/skills/; add -g for ~/.gemini/skills/.
$ gh skill install mohitagw15856/pm-claude-skills 401k-plan-decoder --agent gemini-cliProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .gemini/skills && cp -r skills-src/skills/401k-plan-decoder .gemini/skills/401k-plan-decoder && rm -rf skills-srcUse ~/.gemini/skills/ instead of .gemini/skills for a personal install, then run /skills reload.
Gemini CLI skills documentation · loads skills from .gemini/skills/, .agents/skills/
Install the "401k-plan-decoder" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/401k-plan-decoder into .gemini/skills/401k-plan-decoder/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "401k-plan-decoder", then confirm the skill loads.Gemini CLI copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gh skill install mohitagw15856/pm-claude-skills 401k-plan-decoderInstalls for Copilot at project scope by default; add --scope user for a personal install. Preview a skill first with gh skill preview. Needs GitHub CLI 2.90.0 or later (public preview).
$ npx skills add mohitagw15856/pm-claude-skills --skill 401k-plan-decoder -a github-copilotProject install goes to .agents/skills/; add -g for ~/.copilot/skills/.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .github/skills && cp -r skills-src/skills/401k-plan-decoder .github/skills/401k-plan-decoder && rm -rf skills-srcUse ~/.copilot/skills/ instead of .github/skills for a personal install. Commit .github/skills so cloud agent and code review can use it.
GitHub Copilot skills documentation · loads skills from .github/skills/, .claude/skills/, .agents/skills/
Install the "401k-plan-decoder" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/401k-plan-decoder into .github/skills/401k-plan-decoder/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "401k-plan-decoder", then confirm the skill loads.GitHub Copilot copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add mohitagw15856/pm-claude-skills --skill 401k-plan-decoder -a opencodeOpenCode documents no install command of its own. Project install goes to .agents/skills/; add -g for ~/.config/opencode/skills/.
$ gh skill install mohitagw15856/pm-claude-skills 401k-plan-decoder --agent opencodeProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .opencode/skills && cp -r skills-src/skills/401k-plan-decoder .opencode/skills/401k-plan-decoder && rm -rf skills-srcUse ~/.config/opencode/skills/ instead of .opencode/skills for a personal install.
OpenCode skills documentation · loads skills from .opencode/skills/, .claude/skills/, .agents/skills/
Install the "401k-plan-decoder" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/401k-plan-decoder into .opencode/skills/401k-plan-decoder/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "401k-plan-decoder", then confirm the skill loads.OpenCode copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
Facts
- Skill name
401k-plan-decoder- GitHub stars
- 1.4k
- Token cost
- ~1.4k tokens
- SKILL.md length
- 737 words
- Files
- 2 (incl. references)
- Skills in repo
- 1,322
- Repo updated
- First seen
- Licence
- MIT
At a glance
Decode a 401k or workplace retirement plan — the real cost of its funds, the match's fine print, vesting math, and the plan features worth using or avoiding.
- Works in 3 steps: Fee drag — balance and contributions… → Match math — the formula applied to… → Vesting math — dollars forfeited if they…
- Someone asks is my 401k any good
- SKILL.md covers What This Skill Produces, Required Inputs, Framework: Severity Scale and Output Format, plus 4 more sections
- Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md
What it does
401k Plan Decoder is an agent skill from mohitagw15856/pm-claude-skills. Decode a 401k or workplace retirement plan — the real cost of its funds, the match's fine print, vesting math, and the plan features worth using or avoiding. Use when someone asks 'is my 401k any good', 'decode my 401k plan', 'which funds should I look at', or 'what fees am I paying'. Produces a fee decode in dollars-over-time, match and vesting math, a fund-lineup triage by cost, and the questions for HR or the plan administrator.
Its SKILL.md is about 1.4k tokens, which your agent loads only when the skill is triggered. The skill folder holds 2 other files, including reference files (for example `references/worked-example.md`).
The repository describes itself as: 1255 professional Agent Skills for Claude, ChatGPT, Gemini, Cursor & Codex — PRDs, postmortems, leases, medical bills, layoffs, go-bags, new countries. Plain markdown, MIT, in… The licence is MIT.
When your agent uses it
- Someone asks is my 401k any good
- Decode my 401k plan
- Which funds should I look at
- What fees am I paying
Example prompts
- “is my 401k any good”
- “decode my 401k plan”
- “which funds should I look at”
- “/401k-plan-decoder”
Workflow steps
3 steps, taken from the first numbered list in SKILL.md.
- Fee drag — balance and contributions compounded at a stated assumed return, with and without the fee delta, over the years to retirement…
- Match math — the formula applied to their salary; the per-paycheck-vs-true-up check with a concrete forfeiture scenario if applicable.
- Vesting math — dollars forfeited if they leave at their stated expected tenure.
What it can do on your machine
Read from SKILL.md and the folder at commit 1cbf1f0. It shows what the files ask for, not the result of running them.
Tool permissions
Pre-approves nothing: there is no allowed-tools line, so your agent's usual permission prompts apply.
From allowed-tools in the SKILL.md frontmatter.
Runs code
No scripts in the folder and no shell commands in SKILL.md.
From the folder's file list and the shell code blocks in SKILL.md.
Network
No URLs in SKILL.md.
From URLs in SKILL.md, links to its own repository left out.
Credentials
Names no API keys, tokens, secrets or passwords.
From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.
Context cost
401k Plan Decoder loads about 1.4k tokens when it runs, and up to ~2.6k if it reads all its reference files. Until then it costs about 113 tokens; SKILL.md has 737 words of instructions outside code blocks.
Estimates: characters ÷ 4, the usual rule of thumb; real counts depend on the model's tokenizer. Scripts and assets cost tokens only if the agent reads them.
Safety
Auto-check passed
The automated check found no risky patterns in SKILL.md.
Automated static check — not a guarantee. Review scripts before installing. It scans the text of SKILL.md for risky patterns (piping downloads into a shell, reading credential files, hidden Unicode, destructive commands); files beside SKILL.md are not scanned.
SKILL.md
The full file from mohitagw15856/pm-claude-skills at commit 1cbf1f0, republished under its MIT licence (© mohitagw15856). 737 words, ~1,445 tokens.
Download SKILL.mdSave it as
.claude/skills/401k-plan-decoder/SKILL.md (or your agent's skills folder). This skill also uses 1 other file; get the full folder from GitHub.- name
- 401k-plan-decoder
- description
- Decode a 401k or workplace retirement plan — the real cost of its funds, the match's fine print, vesting math, and the plan features worth using or avoiding. Use when someone asks 'is my 401k any good', 'decode my 401k plan', 'which funds should I look at', or 'what fees am I paying'. Produces a fee decode in dollars-over-time, match and vesting math, a fund-lineup triage by cost, and the questions for HR or the plan administrator.
401k Plan Decoder Skill
Nobody reads the 401k enrollment packet, which is how a 0.9% expense ratio quietly eats six figures of a career's compounding. This skill reads it: what the funds actually cost in dollars over time, what the match really promises once vesting and true-up fine print are applied, and which plan features (Roth option, brokerage window, loan terms) matter for this person. It decodes cost and structure — it never picks investments.
What This Skill Produces
- The fee decode: each relevant expense ratio and admin fee converted to dollars-over-career on the user's numbers
- Match math with the fine print applied: per-paycheck vs. annual true-up, vesting schedule, what leaving at year N forfeits
- Fund-lineup triage by cost tier — where the cheap broad-market building blocks are, and which funds cost 10× a near-identical neighbor
- Feature decode (Roth 401k, after-tax + conversions if offered, loans, brokerage window) and the questions for HR/administrator
Required Inputs
Ask for these only if they aren't already provided:
- The plan documents — fund lineup with expense ratios (the fee disclosure / 404a-5 notice is the gold source), match formula, vesting schedule, summary plan description excerpts. Decode what's provided; list what's missing by name.
- Their numbers — salary, current contribution %, balance, and age band — needed to make fees and match concrete.
- Tenure expectation — vesting math is meaningless without it.
Framework: Severity Scale
- 🔴 Can cost you real money — expense ratios ≥ ~0.75% on funds with cheap index alternatives in the same lineup (compute the career cost), per-participant admin fees charged to the employee on small balances, match computed per-paycheck without an annual true-up (front-loading or uneven contributions forfeit match — quote the formula), long cliff vesting against their expected tenure, contributing below the full match threshold (the only guaranteed 50–100% return in finance, being declined).
- 🟡 Unusual — check before relying on it — target-date funds built from expensive underlying funds (decode the layered cost), loan provisions that require immediate repayment at separation, forced rollout of small balances, revenue-sharing arrangements buried in the fee notice.
- 🟢 Standard — ordinary match formulas, graded vesting, a lineup containing low-cost index options; label the good parts explicitly — a decent plan deserves to be trusted.
Always show the arithmetic:
- Fee drag — balance and contributions compounded at a stated assumed return, with and without the fee delta, over the years to retirement age band; present the gap in dollars with assumptions labeled.
- Match math — the formula applied to their salary; the per-paycheck-vs-true-up check with a concrete forfeiture scenario if applicable.
- Vesting math — dollars forfeited if they leave at their stated expected tenure.
Output Format
Show full SKILL.md (314 more words)Show less
401k Decode: [employer plan]
1. The verdict — is the match fully captured, what the fees cost over a career, and the one change worth making this week.
2. The fee decode — admin fees + expense ratios in dollars-over-time, arithmetic shown, assumptions labeled.
3. Match & vesting math — formula applied, true-up check, forfeiture at stated tenure.
4. Fund lineup triage
| Fund | Expense ratio | Cost tier | Note (cheap-neighbor comparison, layered costs) |
|---|
5. Feature decode — Roth option, after-tax/conversion availability, loans, brokerage window — what each is, who it tends to matter for, flagged [to confirm] where the documents are silent.
6. Questions for HR / the administrator — missing documents, true-up confirmation in writing, fee-disclosure request.
End the artifact with, verbatim: "This is a plain-language reading, not legal/financial advice — laws vary by jurisdiction; confirm anything load-bearing with a qualified professional."
Quality Checks
- Every fee is converted to dollars-over-time with assumptions labeled, never left as a percentage
- The per-paycheck vs. true-up distinction is checked and quoted from the documents
- Vesting forfeiture is computed at the user's stated tenure
- Cost-tier triage compares funds within this lineup, not against the whole market
- Missing documents are listed by name, and silent features are
[to confirm] - The disclaimer line appears verbatim in the artifact
Anti-Patterns
- Do not recommend specific funds or allocations — decode cost and structure; the picking is the user's (or their advisor's)
- Do not invent fees or plan terms that aren't in the documents
- Do not present the fee-drag projection as a prediction — it's an illustration with labeled assumptions
- Do not soften the below-the-match finding — declining free money is the headline, say it plainly
- Do not treat jurisdiction- and plan-specific rules (loans, withdrawals, protections) as universal
Based On
Participant-side plan review practice — fee-disclosure auditing, match-formula fine print, vesting math, lineup cost triage.
Example Trigger Phrases
- "Is my 401k any good?"
- "Decode my 401k plan."
- "Which funds should I look at?"
- "What fees am I paying?"
© mohitagw15856, MIT. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file
Files
SKILL.md and 1 other file (references) in skills/401k-plan-decoder of mohitagw15856/pm-claude-skills.
- SKILL.md
- references/worked-example.md
Open the folder on GitHubat commit 1cbf1f0
Compare with similar skills
401k Plan Decoder next to the 5 skills that share the most tags, products or categories with it. Stars are the repository's; “used in” counts other GitHub owners with a copy.
| Skill | Stars | Used in | Tokens | Auto-check | Licence | Repo updated |
|---|---|---|---|---|---|---|
| 401k Plan Decoder this skillmohitagw15856/pm-claude-skills | 1.4k | — | ~1.4k | Automated safety check: Pass | MIT | |
| Cost Trackingaffaan-m/ECC | 275k | 1 repos | ~1.3k | Automated safety check: Pass | MIT | |
| Cost Conversationruvnet/ruflo | 74k | — | ~407 | Automated safety check: Notes | MIT | |
| Cost Reportruvnet/ruflo | 74k | 1 repos | ~830 | Automated safety check: Notes | MIT | |
| Cost Optimizeruvnet/ruflo | 74k | 1 repos | ~997 | Automated safety check: Notes | MIT | |
| Cost Trackruvnet/ruflo | 74k | — | ~773 | Automated safety check: Notes | MIT |
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Questions about 401k Plan Decoder
What does 401k Plan Decoder do?
Decode a 401k or workplace retirement plan — the real cost of its funds, the match's fine print, vesting math, and the plan features worth using or avoiding. 401k Plan Decoder is an agent skill from mohitagw15856/pm-claude-skills. Decode a 401k or workplace retirement plan — the real cost of its funds, the match's fine print, vesting math, and the plan features worth using or avoiding.
When should I use 401k Plan Decoder?
401k Plan Decoder fits situations like: someone asks is my 401k any good; decode my 401k plan; which funds should I look at; what fees am I paying.
How do I install 401k Plan Decoder in Claude Code?
Run `npx skills add mohitagw15856/pm-claude-skills --skill 401k-plan-decoder -a claude-code`. Or copy the skill folder (skills/401k-plan-decoder in mohitagw15856/pm-claude-skills) into .claude/skills/401k-plan-decoder in your project. Claude Code loads it when a task matches its description.
How do I install 401k Plan Decoder in Codex?
Run `npx skills add mohitagw15856/pm-claude-skills --skill 401k-plan-decoder -a codex`. Or copy the skill folder (skills/401k-plan-decoder in mohitagw15856/pm-claude-skills) into .agents/skills/401k-plan-decoder in your project. Codex loads it when a task matches its description.
Can I use 401k Plan Decoder in Cursor, Gemini CLI or GitHub Copilot?
Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add mohitagw15856/pm-claude-skills --skill 401k-plan-decoder -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/401k-plan-decoder, .gemini/skills/401k-plan-decoder, .github/skills/401k-plan-decoder and .opencode/skills/401k-plan-decoder in your project.
What does 401k Plan Decoder need to run?
SKILL.md names no scripts, command-line tools or credentials: 401k Plan Decoder is instructions for the agent only.
Does 401k Plan Decoder access the network?
SKILL.md contains no URLs. Any network use would come from the scripts or tools the agent runs. This is read from the text; nothing was executed.
Is 401k Plan Decoder safe to install?
Our automated static check of SKILL.md found no risky patterns, such as piping downloads into a shell, reading credential files or hidden Unicode. It is not a guarantee. Review the folder before installing.
What licence does 401k Plan Decoder use?
401k Plan Decoder is published under the MIT licence (the repository's licence). It allows redistribution, so the full SKILL.md is shown on this page.
How many tokens does 401k Plan Decoder use?
About 1.4k tokens (SKILL.md is roughly 5.8k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full. Its references folder adds about 1.2k tokens, read only when the agent opens those files.
What are the alternatives to 401k Plan Decoder?
Skills that share tags, products or a category with 401k Plan Decoder: Cost Tracking (affaan-m/ECC, 275k stars), Cost Conversation (ruvnet/ruflo, 74k stars), Cost Report (ruvnet/ruflo, 74k stars) and Cost Optimize (ruvnet/ruflo, 74k stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.
Who maintains 401k Plan Decoder?
mohitagw15856 (a GitHub user) maintains it in mohitagw15856/pm-claude-skills, which has 1,431 GitHub stars. The repository holds 1,322 skills in this directory. The repository was last updated on October 7, 2026.
Source: mohitagw15856/pm-claude-skills on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.