debt-payoff-plan
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.
npx skills add mohitagw15856/pm-claude-skills --skill debt-payoff-plan --agent claude-code
Same command for any agent — swap --agent for codex, cursor, copilot.
Weekly change comes from our own snapshots, not the repository page — it measures attention, not adoption.
# 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 roughl
- Required Inputs
- Output Format
- Debt payoff plan — [name]
- Quality Checks
- Anti-Patterns
- Based On
What does the debt-payoff-plan skill do?
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.
How do I install it?
Run `npx skills add mohitagw15856/pm-claude-skills --skill debt-payoff-plan --agent claude-code` — it drops the skill into your project so the agent can pick it up. Swap the --agent value for codex, cursor or copilot if you use one of those.
Where does this skill come from?
From mohitagw15856/pm-claude-skills, a repository with 1,255 stars. We read it straight from the repository tree rather than a submitted listing, so what you see here is what is actually published.
Is a popular skill a good skill?
Not necessarily. Stars measure attention, not adoption — a repository can trend for a week and be abandoned. That is why we show the weekly change from our own snapshots next to the total, instead of a single flattering number.