Refund Sloth 🦥: Local AI Agents That Get Your Money Back While You Nap

Description and use

Refund Sloth automates detection of forgotten trials and subscriptions using local Ollama models, drafts cancellation emails, and presents a brief for user approval in about 30 seconds.

Problem

People forget to cancel free trials and subscriptions, losing $187–$540 a year on average.

Outcome

Automated identification of forgotten trials and subscriptions, with draft cancellation emails ready for user approval, saving users up to $540 per year and reducing manual effort to ~30 seconds.

Workflow

• Drop receipts, order emails and bank statements into a folder or connect mailbox
• At 2 AM, Scout finds new files via MCP
• Reader parses receipt photos, PDFs and emails into JSON
• Deadline Hawk calculates return‑by, trial‑end, warranty and renewal dates and creates calendar reminders
• Auditor scans bank CSV for recurring charges, flags zombies, duplicates and price hikes
• Ghostwriter drafts cancellation and return emails
• Sloth Boss reviews all actions, writes a morning brief and sends a notification
• User approves drafts or clicks Cancel now to open store cancel page

Evidence

Somewhere between 48% and 79% of us have paid for a free trial we forgot to cancel. The average person loses $187–$540 a year to forgotten trials, missed return windows and subscriptions they stopped using.

Source

Refund Sloth does the boring part. You drop receipts, order emails and your bank statement into one folder (or let it read your mailbox) and go to sleep.

Source

At 2 AM a team of six local AI agents wakes up: Scout, Reader, Deadline Hawk, Auditor, Ghostwriter, Sloth Boss.

Source

No API keys. No cloud. $0 per run. Works with Wi‑Fi off.

Source

Every model runs locally through Ollama. No API keys anywhere in the project.

Source