Individual skill

debt-payoff-planner

Builds a sequenced multi-debt payoff plan - avalanche or snowball chosen by explicit decision rules - with the rollover schedule, total-interest math, and a debt-free date. Use when someone asks "which debt do I pay first", "avalanche or snowball", "how do I get out of credit card debt", or "when will I be debt-free". Do NOT use for sizing the cash cushion that prevents new debt - use emergency-fund-planner instead; for building the monthly budget that produces the extra payment - use budget-builder; for the overall save-vs-invest-vs-payoff ordering - use financial-planner.

skills/debt-payoff-planner/SKILL.md

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claude Repository topic
claude-skills Repository topic
skill-me Repository topic
finance Derived category

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# Debt Payoff Planner

Carrying multiple debts without a sequenced plan means paying more interest than necessary and losing momentum. This skill produces a concrete, ordered repayment plan with a debt-free date. The costly mistake it prevents is spreading extra payments evenly across all debts - which feels fair and maximizes total interest paid.

## Operating procedure

### Step 1: Inventory every debt

Collect four fields per debt: creditor name, current balance, APR, minimum monthly payment. Include everything - credit cards, personal loans, medical debt, student loans, car loans. Exclude the mortgage from the active payoff list; it is managed separately. Label estimated APRs as guesses and confirm from statements.

Also collect gross monthly income and compute **debt-to-income** (total monthly debt payments ÷ gross monthly income). Under 36% is workable. Above 43% is the red line: the plan likely needs professional restructuring, not just sequencing - see Escalation. If unsecured debt exceeds annual income, escalate immediately.

### Step 2: Find the extra payment