Menu

Individual skill

daycare-vs-stay-home

0upvotes

Run the real math on a parent leaving work versus paying for childcare — the second income net of daycare, marginal taxes, and work costs, AND the career-trajectory cost of years out, over horizons instead of one brutal year. Use when asked does it make sense for me to keep working, daycare costs my whole salary, stay-home vs daycare math, or what does leaving work for 5 years really cost. Produces both sides of the ledger from the script, the horizon comparison, and the decision sheet that lets the non-financials vote.

plugins/pm-calculators/skills/daycare-vs-stay-home/SKILL.md

Read pinned source

Source commit e0009a385c480fb0b5687e7412df67c7c64f7cee

What was checked

Matches the observed repository HEAD
Yes
Scanner rules are current
No
Repository scan complete
No
Skill scan complete
No
Observed behavior
Not checked yet
Last checked
Nov 12, 2026

These are observations at the recorded commit, not a guarantee of safety. Review the source before running it.

Install this skill

Choose an agent in your Stack or copy a command below. Commands fetch the pinned commit and copy only this skill directory. Existing destinations are refused. Copying a command does not install anything.

An install command is unavailable: current rules, complete repository and skill scans, an eligible behavior level and a permitted license are required.

Repository context

Repository stars (not skill ratings)
1,541
Repository last updated
Nov 11, 2026
License
MIT

Observed agent integration: No specific integration evidence. Standard SKILL.md installation does not imply verified compatibility.

Files and excerpt

File metadata and permitted, redacted excerpts come from the recorded scan. Source links are pinned to that commit.

Browse files
Read excerpt

# Daycare vs Stay-Home Skill

"Daycare eats my whole salary" is usually computed wrong twice: it compares childcare against *gross* pay (marginal taxes were eating part of that anyway), and it prices exactly one year of a decision whose costs live in the following decade — the raises not compounded, the re-entry discount, the retirement match not collected. This skill runs both sides honestly: what working *nets* this year, and what stepping out costs over the horizon. Then it hands the decision back, because the spreadsheet gets a vote, not a veto.

## What This Skill Produces

- **This year's ledger** — second income minus marginal tax, childcare, and work costs, plus the match: the real net, from the script
- **The horizon view** — earnings forgone over the years out, and the re-entry salary vs. the never-left trajectory
- **The middle options** — part-time, one-parent-flex, cheaper-care mixes — sketched against the same ledger
- **The decision sheet** — money on both sides plus the non-financials, with their explicit permission to win

## Required Inputs

Ask for these if not provided:
Back to top