What do I need to use Debt Payoff Plan?

Each debt; Total monthly amount; Preference (optional).

Is Debt Payoff Plan free to use?

Yes — run it free in the browser playground (no API key needed for the sponsored trial, or bring any provider key), or install it into Claude Code, Cursor, ChatGPT and more via npx pm-claude-skills. MIT-licensed and open source.

Debt Payoff Plan

Q: How do I know the Debt Payoff Plan output is good?

The skill verifies itself against its own quality checks: Both avalanche and snowball are quantified (months + total interest), not just described; The recommended order rolls freed-up payments into the next debt; The recommendation matches the person's stated preference (savings vs. momentum); The math is internally consistent and the assumptions (fixed APR, no new debt) are stated.

🔵 Stable🕐 updated 2026-06-30 🔷 SkillSpec L3 pm-money

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.

▶ Run it free — no key needed 📝 Grade your existing draft View SKILL.md ↗

What to give it

▸Each debt — name, balance, interest rate (APR), and minimum payment.

▸Total monthly amount — available for debt (must cover all minimums + extra).

▸Preference (optional) — (optional) — save the most money, or get motivating quick wins.

✅ 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.

✓Both avalanche and snowball are quantified (months + total interest), not just described

✓The recommended order rolls freed-up payments into the next debt

✓The recommendation matches the person's stated preference (savings vs. momentum)

✓The math is internally consistent and the assumptions (fixed APR, no new debt) are stated

✓Minimums-must-always-be-paid is flagged

⚠️ What it refuses to do

Do not recommend a method without showing the interest/time trade-off in numbers

Do not forget the minimums on non-target debts — the plan must cover all of them

Do not ignore the person's psychology — the mathematically optimal plan they quit isn't optimal

Do not assume variable-rate debt stays fixed without flagging it

Do not present this as personalized financial advice — it's an educational model to adapt

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 pm-claude-skills-mcp

Related skills

🔌 Embed this skill

Drop this on your blog, docs, or site — it renders a "Run this skill" card:

<div data-pm-skill="debt-payoff-plan"></div>
<script src="https://mohitagw15856.github.io/pm-claude-skills/embed.js" async></script>

💬 Discussion

Debt Payoff Plan is one of 599 open-source professional AI agent skills — all SkillSpec L3. Try them all in the browser · ⭐ Star on GitHub · Browse the full catalog