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refinance-breakeven

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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.

skills/refinance-breakeven/SKILL.md

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# 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
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