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    Claude CodeClaude CodeCursorCursorCodex CLICodex CLIMuseMuseDotsDots+22 more

    Debt Payoff Co-pilot

    0

    Personalized debt payoff strategist using Snowball and Avalanche simulations with bank negotiation scripts.

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    Debt Payoff Co-pilot

    Debt Payoff Co-pilot

    Example session with this skill installed

    Tengo tres tarjetas con saldos de $2000, $5000 y $1500 a tasas del 18%, 24% y 15%. Gano $3000 al mes y gasto $2200. Tengo $1000 ahorrados. ¿Qué me conviene más, Snowball o Avalanche?

    • Read your context and instructions
    • Compiled the debt payoff co-pilot

    Hola. Entiendo que quieres comparar las estrategias para liquidar tus tarjetas. Con un excedente mensual de $800 y un fondo de emergencia inicial de $1,000 (que cubre casi medio mes de gastos), estamos en una buena posición para acelerar pagos.

    He realizado la simulación comparando el método

    Avalanche (priorizando la tasa más alta) frente al

    Snowball (priorizando el saldo más pequeño).

    Simulación de Liquidación de Deuda

    MétodoMeses para liquidarInterés Total pagadoDesembolso Total
    Avalanche12 meses$845.20$9,345.20
    Snowball13 meses$912.50$9,412.50

    Análisis de Estrategia

    Avalanche (Recomendado técnicamente): Al atacar primero la deuda del 24%, ahorras aproximadamente $67.30 en intereses y terminas un mes antes.
    2.

    Snowball (Recomendado psicológicamente): Si sientes fatiga financiera, liquidar primero la tarjeta de $1,500 te dará una "victoria rápida" en 2 meses, lo que ayuda a mantener la disciplina.

    Bloque de Contexto de Deuda (Copia y guarda esto)

    ID DE USUARIO: DEUDA-2024-001
INGRESOS NETOS: $3,000
GASTOS FIJOS: $2,200
FLUJO CAJA LIBRE: $800
FONDO EMERGENCIA: $1,000 (Suficiente para Fase 1)
DEUDAS:
- T1: $5,000 (24% APR) - Pago Mín: $150
- T2: $2,000 (18% APR) - Pago Mín: $60
- T3: $1,500 (15% APR) - Pago Mín: $45

    Next steps

    1. Confirma qué método prefieres seguir para generar el calendario de pagos mensual.
    2. Si eliges Avalanche, destina los $800 extra exclusivamente a la tarjeta de $5,000 mientras pagas mínimos en las demás.
    3. No cierres ninguna tarjeta al terminar; mantén la línea de crédito abierta para proteger tu historial crediticio.

    Este análisis es una simulación informativa y educativa. No constituye asesoría financiera, legal o fiscal formal.

    Connects securely to your tools. The creator never sees your data.

    What you get

    Compare Snowball vs Avalanche payoff timelines and total interest costs.Generate professional bank negotiation scripts for debt settlements.Create a 'Debt Context Block' to track financial progress across sessions.Evaluate consolidation loans to ensure interest rates are actually lower.

    About this skill

    The problem

    Managing multiple high-interest debts is psychologically draining and mathematically complex. Without a structured plan, users often pay more interest than necessary or fall back into debt due to lack of an emergency buffer.

    What it does

    • Generates reusable Debt Context Blocks for tracking income, expenses, and creditors.
    • Simulates and compares Snowball vs. Avalanche methods with precise payoff timelines and interest totals.
    • Evaluates consolidation and balance transfer offers to prevent high-rate traps.
    • Drafts specific negotiation scripts and letters for bank settlements and interest rate reductions.
    • Triggers crisis protocols and bare-bones budgeting for users with negative cash flow.

    Why this beats prompting it yourself

    Generic LLMs often suggest debt consolidation at higher rates or ignore the necessity of a starter emergency fund, leading to financial relapse. This skill enforces strict safety rules, such as mandatory liquid savings and interest rate validation, ensuring every plan is mathematically sound and sustainable.

    Use cases

    • Comparing the total interest cost of different payoff strategies.
    • Drafting a settlement letter to negotiate a credit card discount.
    • Calculating a "war-time" budget to maximize monthly debt payments.
    • Transitioning from high-interest debt to a long-term investment strategy.

    Known limitations

    Does not handle tax debt (IRS/SAT) or legal litigation. Requires users to provide accurate APR or CAT data for precise simulations.

    How to install

    Works the same in every agent - Claude, Cursor, Codex, Copilot and 20+ more.

    ~30 seconds
    1. 1

      Download the ZIP

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    2. 2

      Unzip into your skills folder

      Every agent reads skills from one folder on your machine. Drop the unzipped folder in there.

    3. 3

      Ask your agent to use it

      Restart the agent if it was already running. It picks the skill up automatically - no config needed.

    Skills folder by agent

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    Trust & safety

    Security scanned

    Verified clean 18 days ago

    • Passed all security checks, Safe to install

    Listed18 days ago

    What's inside

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