A financial optimization skill that collects debt details to generate and compare various payoff strategies like snowball and avalanche.
Install & Download
1. ClawHub CLI
The fastest way to install a skill directly from the registry.
npx clawhub@latest install debt-payoff-plan-comparison
2. Manual Installation
Copy the skill folder to one of these locations
~/.openclaw/skills/ <project>/skills/ Priority: Workspace > Local > Bundled
3. Prompt Installation
Copy this prompt to OpenClaw to install it automatically.
Help me install debt-payoff-plan-comparison using Clawhub. If Clawhub is not installed, install it first (npm i -g clawhub).
Prefer to download?
Get the raw skill files in a ZIP archive.
What is Debt Payoff Plan Comparison?
This skill leverages the Openclaw Skills framework to provide users with a structured way to analyze their financial liabilities. By collecting specific data points regarding mortgages, credit cards, and personal loans, it interfaces with external endpoints to deliver comprehensive plan comparisons. It is designed to simplify complex financial calculations and provide clear recommendations for interest savings and faster payoff timelines.
The core value of this skill lies in its ability to handle multi-debt scenarios and provide side-by-side comparisons of different methodologies. Whether a user is looking to refinance their home or simply pay off high-interest credit card debt, this automation ensures that the data is collected accurately and processed securely.
Debt Payoff Plan Comparison Use Cases
- Comparing snowball vs. avalanche payoff methods for multiple high-interest debts.
- Analyzing the benefits of mortgage refinancing versus staying with a current loan.
- Determining the impact of additional monthly contributions on total interest paid.
- Evaluating home equity loan scenarios based on current property appraisal values.
How Debt Payoff Plan Comparison Works
- The skill initiates a guided Q&A session to gather required debt types, balances, rates, and monthly payments.
- It requests explicit user consent before transmitting any financial data to the external processing endpoint for calculation.
- A structured JSON payload is constructed containing all debt items and global financial assumptions.
- The included script is executed in a non-interactive environment to fetch strategy comparisons from the backend.
- The skill parses the resulting data and presents the user with a concise summary of the most effective payoff plans.
Debt Payoff Plan Comparison Setup
To use this Openclaw Skills automation, ensure you have the environment configured to run Node.js scripts. Use the following command to execute the plan comparison:
node scripts/call_get_plans.mjs --input /path/to/payload.json
For testing in different environments, you can override the base URL:
node scripts/call_get_plans.mjs --input /tmp/payload.json --base-url https://staging.loandoctor.app
Debt Payoff Plan Comparison Data Schema & Taxonomy
The skill organizes input data into a strict schema to ensure compatibility with the calculation engine. The primary data structure includes:
| Category | Field | Requirement |
|---|---|---|
| Debts | debtType, balance, rate, payment |
Required per debt item |
| Assumptions | homeAppraisal |
Required for mortgage analysis |
| Assumptions | taxBracket, planningHorizon |
Optional overrides |
| Allocations | diApplyToOC, diApplyToDebt |
Required numeric values |
Supported debt types include: mortgage, home-equity-loan, heloc, auto-loan, credit-card, personal-loan, student-loan, medical-debt, business-loan, and tax-debt.
Debt Payoff Plan Comparison Advanced Features
- Automated rate inference using the
--infer-missing-rateflag for common debt types when exact APR is unknown. - Minimum payment estimation via
--infer-missing-paymentto ensure viable payoff calculations. - Custom output routing using the
--outputflag to save full JSON results to a specific file path. - Security-hardened marketing filters that only allow verified HTTPS links to be surfaced in the summary.
SKILL.md
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