refinance-breakeven
Compute the month a refinance actually starts saving money — payment delta, breakeven month, and total interest on both paths including the term-reset trap. Use when asked should I refinance, when does a refi break even, compare my loan to a refi offer, or is this refinance worth the closing costs. Produces the breakeven analysis with both interest totals, the if-you-sell-before-month-N warning, and the cases where the breakeven math lies.
npx skills add mohitagw15856/pm-claude-skills --skill refinance-breakeven --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.
# Refinance Breakeven Skill "Lower monthly payment" and "saves money" are different claims, and lenders profit from the confusion. This skill computes when a refinance genuinely breaks even — and names the two standard ways the simple math lies: the term reset that trades a lower payment for more total interest, and the cash-out that relabels borrowing as saving. ## What This Skill Produces - **The breakeven analysis** — payment delta, upfront costs, the month cumulative savings pass them - **Both interest totals** — keep vs refi, side by side, costs included - **The honest verdict** — refinance / don't / refinance-but-shorter-term, with the reason ## Required Inputs Ask for these if not provided: - **Current loan:** remaining balance, rate, months left - **The offer:** rate, term, closing costs, points (if any) - **The horizon:** how long the user realistically expects to keep this home/loan — breakeven beyond the horizon is a loss dressed as a saving - **Cash-out?** — if the refi increases the balance, say so; the analysis changes character ## Programmatic Helper ```bash python3 scripts/refinance_breakeven.py --balance 380000 --rate 6.9 --months-left 336 \ --new-rate 5.6 --new-te
- What This Skill Produces
- Required Inputs
- Programmatic Helper
- Framework: When Breakeven Math Lies
- Output Format
- The Numbers
- The Verdict
- What Would Change the Answer
- Quality Checks
- Anti-Patterns
python3 scripts/refinance_breakeven.py --balance 380000 --rate 6.9 --months-left 336 \ python3 scripts/refinance_breakeven.py --json-input refi.json --json
What does the refinance-breakeven skill do?
Compute the month a refinance actually starts saving money — payment delta, breakeven month, and total interest on both paths including the term-reset trap. Use when asked should I refinance, when does a refi break even, compare my loan to a refi offer, or is this refinance worth the closing costs. Produces the breakeven analysis with both interest totals, the if-you-sell-before-month-N warning, and the cases where the breakeven math lies.
How do I install it?
Run `npx skills add mohitagw15856/pm-claude-skills --skill refinance-breakeven --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.