RB
Refinance Breakeven
🔵 Stable🕐 updated 2026-07-14
🔷 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.
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 pm-claude-skills-mcpRelated 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 625 open-source professional AI agent skills — all SkillSpec L3.
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