Build a debt-payoff plan across multiple debts using the avalanche or snowball method. Use when asked to pay off debt, tackle credit cards/loans, or choose between avalanche and snowball. Produces an ordered payoff schedule, the total interest and time for each method, and a clear recommendation. Educational, not regulated financial advice.
Start a fresh conversation. Replace the highlighted placeholders.
Use debt-payoff-plan to create an educational avalanche-versus-snowball payoff schedule for [debts with balances, APRs, and minimums] using [monthly debt budget] and [savings or quick-wins preference], with quantified interest/time trade-offs and assumptions.
Required inputs
[debts with balances, APRs, and minimums]
[monthly debt budget]
[savings or quick-wins preference]
User-approved starter prompt based on a pinned source version; check current skill requirements before running. Task evidence ↗
SKILL.md
name: debt-payoff-plandescription: "Build a debt-payoff plan across multiple debts using the avalanche or snowball method. Use when asked to pay off debt, tackle credit cards/loans, or choose between avalanche and snowball. Produces an ordered payoff schedule, the total interest and time for each method, and a clear recommendation. Educational, not regulated financial advice."
Debt Payoff Plan Skill
Juggling several debts without a plan means paying more interest for longer. This skill turns a list of debts
plus a monthly amount available into an ordered payoff plan — comparing the avalanche (highest rate
first, least interest) and snowball (smallest balance first, fastest wins) methods so the person can pick
with eyes open. Educational planning, not personalized financial advice.
Required Inputs
Ask for these only if they aren't already provided:
Each debt — name, balance, interest rate (APR), and minimum payment.
Total monthly amount available for debt (must cover all minimums + extra).
Preference (optional) — save the most money, or get motivating quick wins.
Output Format
Debt payoff plan — [name]
Debts
Debt
Balance
APR
Minimum
$
%
$
Method comparison (paying $X/month total):
Method
Order
Debt-free in
Total interest paid
Avalanche (highest APR first)
…
~N months
$
Snowball (smallest balance first)
…
~N months
$
Recommended order — the chosen method's payoff sequence, with the "attack" target each phase and roughly when each debt clears (roll each freed-up minimum into the next debt — the snowball/avalanche effect).
The trade-off — avalanche saves $X in interest; snowball gives the first win ~N months sooner. State which fits their stated preference and why.
Watch-outs — keep paying every minimum (missed minimums = fees + credit damage), and avoid adding new debt mid-plan.
Quality Checks
Both avalanche and snowball are quantified (months + total interest), not just described
The recommended order rolls freed-up payments into the next debt
The recommendation matches the person's stated preference (savings vs. momentum)
The math is internally consistent and the assumptions (fixed APR, no new debt) are stated
Minimums-must-always-be-paid is flagged
Anti-Patterns
Do not recommend a method without showing the interest/time trade-off in numbers
Do not forget the minimums on non-target debts — the plan must cover all of them
Do not ignore the person's psychology — the mathematically optimal plan they quit isn't optimal
Do not assume variable-rate debt stays fixed without flagging it
Do not present this as personalized financial advice — it's an educational model to adapt
Based On
Debt-reduction methods — the debt avalanche (highest-interest-first) and debt snowball (smallest-balance-first).