SkillsAdd

mohitagw15856/pm-claude-skills

debt-payoff-plan

Build a debt-payoff plan across multiple debts using the avalanche or snowball method.

First seen Aug 13, 2026

Installation

$ npx skills add mohitagw15856/pm-claude-skills --skill debt-payoff-plan
View on skills.sh ↗ GitHub repository ↗

Summary

  • Build a debt-payoff plan across multiple debts using the avalanche or snowball method.
  • Use when asked to pay off debt, tackle credit cards/loans, or choose between avalanche and snowball.
  • Produces an ordered payoff schedule, the total interest and time for each method, and a clear recommendation.
  • Educational, not regulated financial advice.

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More details

Agent compatibility

Declared targets from SKILL.md / docs. Unmarked agents are not listed — the skill may still install via the CLI.

Claude Code Not declared
Cursor Not declared
Codex Not declared
GitHub Copilot Not declared
Windsurf Not declared
Gemini CLI Not declared
Cline Not declared
OpenCode Not declared

Repository health

Stars 1.3K
License LICENSE
Default branch main
Open issues 7
Status Active

Package contents

Files included with this skill beyond the listing page.

  • skill md SKILL.md 3,059 B
  • docs SUMMARY.md 366 B

History

  1. First seen on skills.sh
  2. First recorded snapshot · 2 installs

SKILL.md

Debt Payoff Plan Skill

Juggling several debts without a plan means paying more interest for longer. This skill turns a list of debts plus a monthly amount available into an ordered payoff plan — comparing the avalanche (highest rate first, least interest) and snowball (smallest balance first, fastest wins) methods so the person can pick with eyes open. Educational planning, not personalized financial advice.

Required Inputs

Ask for these only if they aren't already provided:

  • Each debt — name, balance, interest rate (APR), and minimum payment.
  • Total monthly amount available for debt (must cover all minimums + extra).
  • Preference (optional) — save the most money, or get motivating quick wins.

Output Format

Debt payoff plan — [name]

Debts

Debt Balance APR Minimum
$ % $

Method comparison (paying $X/month total):

Method Order Debt-free in Total interest paid
Avalanche (highest APR first) … ~N months $
Snowball (smallest balance first) … ~N months $

Recommended order — the chosen method's payoff sequence, with the "attack" target each phase and roughly when each debt clears (roll each freed-up minimum into the next debt — the snowball/avalanche effect).

The trade-off — avalanche saves $X in interest; snowball gives the first win ~N months sooner. State which fits their stated preference and why.

Watch-outs — keep paying every minimum (missed minimums = fees + credit damage), and avoid adding new debt mid-plan.

Quality Checks

  • Both avalanche and snowball are quantified (months + total interest), not just described
  • The recommended order rolls freed-up payments into the next debt
  • The recommendation matches the person's stated preference (savings vs. momentum)
  • The math is internally consistent and the assumptions (fixed APR, no new debt) are stated
  • Minimums-must-always-be-paid is flagged

Anti-Patterns

  • Do not recommend a method without showing the interest/time trade-off in numbers
  • Do not forget the minimums on non-target debts — the plan must cover all of them
  • Do not ignore the person's psychology — the mathematically optimal plan they quit isn't optimal
  • Do not assume variable-rate debt stays fixed without flagging it
  • Do not present this as personalized financial advice — it's an educational model to adapt

Based On

Debt-reduction methods — the debt avalanche (highest-interest-first) and debt snowball (smallest-balance-first).