DV
Daycare vs Stay-Home
🔵 Stable🕐 updated 2026-10-06
🔷 SkillSpec L3
⚙ ships an executable helper
pm-calculators
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.
▶ Run it free — no key needed
📝 Grade your existing draft
📱 Use as an app
View SKILL.md ↗
What changed
🗣 Say this to your agent
“Does it make sense for me to keep working?”“Daycare costs my whole salary.”“Should one of us stay home with the kids?”“What does leaving work for five years really cost?”
What to give it
▸The second earner's income — and which parent's leaving is actually on the table (the framing "second income" is doing work; make it explicit)
▸Childcare cost — per child per month, the real local quote; number of kids and their ages (the cost cliff at school age is the model's built-in expiry date)
▸The marginal tax rate — marginal, not average; flag it as verify-yours, and note childcare tax credits/subsidies are jurisdiction-specific and often large
▸Career shape — expected raises, how re-entry works in their field (the default penalty is a placeholder; fields differ wildly), and the years-out being considered
✅ The bar it holds itself to
Every skill in this library self-verifies — these are this skill's own quality checks, straight from its definition.
✓The comparison uses marginal tax and net income — never gross vs. daycare
✓Both timescales appear: the temporary childcare years and the compounding trajectory
✓The re-entry penalty is labeled a placeholder and treated as a sensitivity, not a fact
✓Childcare tax credits/subsidies are flagged as jurisdiction-specific and often large
✓At least one middle option is sketched
✓The non-financials get explicit permission to decide
⚠️ What it refuses to do
Do not run gross-salary-vs-daycare — it's the error this skill exists to correct
Do not price only year one — the decision's cost curve is a decade long and mostly later
Do not gender the framing — "the second earner" is whoever the household says it is
Do not let the model moralize either choice — working and staying home both survive honest math
Do not present the re-entry penalty as settled science — it's a field-dependent range wearing a default
Install
npx pm-claude-skills add --agent claude # or codex · cursor · gemini · hermes
# or one-line MCP (every skill, any client):
claude mcp add pm-skills -- npx -y -p pm-claude-skills pm-claude-skills-mcpStart with
Related skills
🔌 Embed this skill
Drop this on your blog, docs, or site — it renders a "Run this skill" card:
<div data-pm-skill="daycare-vs-stay-home"></div>
<script src="https://mohitagw15856.github.io/pm-claude-skills/embed.js" async></script>💬 Discussion
Daycare vs Stay-Home is one of 1307 open-source professional AI agent skills — all SkillSpec L3.
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