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debt-payoff

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Build a debt payoff plan — avalanche vs snowball simulated month by month on your actual debts, the real payoff dates, and the psychology-vs-arithmetic tradeoff priced in dollars. Use when asked how do I pay off my debts, avalanche or snowball, make me a debt payoff plan, or when will I be debt-free. Produces the month-by-month comparison from the script, the payoff order with dates, the interest cost of choosing morale over math, and the plan-survival rules.

plugins/pm-calculators/skills/debt-payoff/SKILL.md

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Nov 10, 2026
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# Debt Payoff Skill

The avalanche-vs-snowball debate has a correct answer (avalanche, arithmetically) and a true objection (plans people abandon save nobody anything) — and the only honest way to weigh them is to price the difference on the *actual* debts. Sometimes morale costs $40; sometimes it costs $4,000. This skill runs both strategies month by month with the script, shows what choosing early wins actually costs, and builds the plan around the constraint that matters most: it has to survive contact with a real budget.

## What This Skill Produces

- **The head-to-head** — debt-free date and total interest for avalanche and snowball, simulated on the real debts
- **The payoff order** — which debt dies when, under the chosen strategy
- **The morale price tag** — what snowball's early wins cost in interest, in dollars, so the choice is informed
- **The survival rules** — minimum-viable version for bad months, and the windfall protocol

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