What do I need to use Debt Payoff?

Every debt; The extra amount; Any special terms; The track record.

Is Debt Payoff 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

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

The skill verifies itself against its own quality checks: Every debt appears with balance, APR, and minimum — no "roughly" balances; The strategy choice cites the priced difference on these debts, not general doctrine; Growing-at-minimum debts are flagged as emergencies regardless of strategy; Promotional/deferred-interest deadlines are calendared above APR order.

🔵 Stable🕐 updated 2026-07-18 🔷 SkillSpec L3 ⚙ ships an executable helper pm-calculators

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.

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

What to give it

▸Every debt — name, balance, APR, minimum payment; the plan is only as real as this list (and finding a forgotten debt later breaks more than math)

▸The extra amount — monthly money beyond the minimums, the honest number; zero is an answer that changes the conversation to budget or income first

▸Any special terms — promotional 0% windows ending (a deferred-interest cliff outranks every APR), variable rates, loans with payoff penalties (rare, but ask)

▸The track record — have they started and abandoned plans before? It weighs the morale argument with evidence instead of vibes

✅ 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.

✓Every debt appears with balance, APR, and minimum — no "roughly" balances

✓The strategy choice cites the priced difference on these debts, not general doctrine

✓Growing-at-minimum debts are flagged as emergencies regardless of strategy

✓Promotional/deferred-interest deadlines are calendared above APR order

✓The bad-month protocol exists before the first bad month

⚠️ What it refuses to do

Do not preach avalanche when the difference is trivial — momentum is worth $40

Do not endorse snowball without showing its price — informed morale, not managed ignorance

Do not build a plan that requires a perfect year — perfect-year plans have a 100% failure rate

Do not ignore the income side — past a point, the plan's bottleneck is earnings, and saying so is the honest output

Do not touch consolidation/refinancing recommendations beyond naming them as options to research — product choice is advice territory

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

💬 Discussion

Debt Payoff is one of 625 open-source professional AI agent skills — all SkillSpec L3. Try them all in the browser · ⭐ Star on GitHub · Browse the full catalog