Individual skill
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.
plugins/pm-money/skills/debt-payoff-plan/SKILL.md
Source commit f7c90bc09ee05dc25cf257bdb1826f2c2552c2cb
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- Observed behavior
- Network or broad shell
- Last checked
- Nov 9, 2026
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- Repository last updated
- Nov 10, 2026
- License
- MIT
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SKILL.mdcore · 3,010 bytes
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# 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.