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Debt payoff plan: avalanche or snowball v1.0.0

Use this resource to build a month-by-month plan to pay off your debts

New

  • 383 downloads
  • 113 likes
  • 213 saves

Free

Install with the CLI

In a terminal, from the folder you want:

npx --yes palatekit@latest install debt-payoff-schedule

With no option, the skill goes to ~/.agents/skills/; add --agent claude-code (or codex, cursor…) to target an agent.

First time: connect the CLI with

npx --yes palatekit@latest login

The agent finds your recurring debt payments, calculates the extra amount you can pay from your budget, then builds a month-by-month schedule using the avalanche or snowball method. You get a costed repayment timeline.

Mostly picked by

Updated November 2, 2026

Card for the “Debt payoff plan: avalanche or snowball” skill

Details

Works in
Install guides
Generates with
Your agent's model
Licence
MIT

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What you get

  • SKILL.md: avalanche and snowball methods
  • SKILL.md: extra payment capacity and monthly schedule

Good fit for

  • You have several loans or cards and do not know where to start
  • You want to see when your debts will be cleared

Not for

    Tags

    • debt
    • repayment
    • budget
    • avalanche

    About

    You say

    “Build an avalanche plan for my three loans and my card, with EUR 300 extra per month.”

    Card for the “Debt payoff plan: avalanche or snowball” skill

    Skill published by openaccountant under the MIT license, delivered in its original version.

    Show more

    How to use it

    1. Install the skill in your agent's skills folder
    2. Ask your agent to build a month-by-month plan to pay off your debts
    3. Review and adjust the result

    Content preview

    Files

    • LICENSE1.1 KB
    • NOTICE-PALATEKIT.md0.5 KB
    • SKILL.md4.1 KB

    Origin and licence

    Listed unmodified

    Author
    openaccountant
    Source
    github.com/openaccountant/skills/tree/f5abe381f24b5b7d59f1d0b4a825b14494ff2034/personal/debt-payoff
    Licence
    MIT

    Notice

    « debt-payoff » (openaccountant, MIT) livré dans sa version d'origine : fiche en français et en anglais par PalateKit.

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