What do I need to use Refinance Breakeven?

Current loan:; The offer:; The horizon:; Cash-out?.

Is Refinance Breakeven 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.

Refinance Breakeven

Q: How do I know the Refinance Breakeven output is good?

The skill verifies itself against its own quality checks: Breakeven month is compared against the user's stated horizon, not shown in isolation; Total interest on both paths appears whenever the term changes; Points are inside the upfront cost, not footnoted; The verdict names its reason in one sentence.

🔵 Stable🕐 updated 2026-10-06 🔷 SkillSpec L3 ⚙ ships an executable helper pm-calculators

Compute the month a refinance actually starts saving money — payment delta, breakeven month, and total interest on both paths including the term-reset trap. Use when asked should I refinance, when does a refi break even, compare my loan to a refi offer, or is this refinance worth the closing costs. Produces the breakeven analysis with both interest totals, the if-you-sell-before-month-N warning, and the cases where the breakeven math lies.

▶ Run it free — no key needed 📝 Grade your existing draft 📱 Use as an app View SKILL.md ↗ What changed

🗣 Say this to your agent

“Should I refinance?”“Does a refi break even?”“Compare my loan to a refi offer.”“Is this refinance worth the closing costs?”

What to give it

▸Current loan: — remaining balance, rate, months left

▸The offer: — rate, term, closing costs, points (if any)

▸The horizon: — how long the user realistically expects to keep this home/loan — breakeven beyond the horizon is a loss dressed as a saving

▸Cash-out? — if the refi increases the balance, say so; the analysis changes character

✅ 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.

✓Breakeven month is compared against the user's stated horizon, not shown in isolation

✓Total interest on both paths appears whenever the term changes

✓Points are inside the upfront cost, not footnoted

✓The verdict names its reason in one sentence

✓The disclaimer line appears in the artifact

⚠️ What it refuses to do

Do not equate a lower payment with saving money — the term reset is the whole trap

Do not fold a cash-out into the breakeven — it's a separate borrowing decision

Do not report a breakeven month without the sell-before-month-N warning

Do not present the model's output without what it doesn't model

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-mcp

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

💬 Discussion

Refinance Breakeven is one of 1307 open-source professional AI agent skills — all SkillSpec L3. Try them all in the browser · ⭐ Star on GitHub · Browse the full catalog