PM Skills is a collection of plain-Markdown instructions that teach AI assistants structured methods for handling professional, personal, and life-admin tasks. People use it with Claude, ChatGPT, Gemini, Cursor, Codex, and other supported agents for work such as writing product requirements, reviewing documents, or planning difficult situations.
Getting it into your agent
It runs from inside its repository, so the clone comes first — what it calls does not travel with the file alone.
git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skillsnpx agentmods add rules/mohitagw15856/pm-claude-skills/refinance-breakevenWrote this? Show the measurements
A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.
[](https://agentmods.dev/rules/mohitagw15856/pm-claude-skills/refinance-breakeven)<a href="https://agentmods.dev/rules/mohitagw15856/pm-claude-skills/refinance-breakeven"><img src="https://agentmods.dev/badge/rules/mohitagw15856/pm-claude-skills/refinance-breakeven/github.svg" alt="Measured on agentmods" height="20"></a>Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.
<a href="https://agentmods.dev/rules/mohitagw15856/pm-claude-skills/refinance-breakeven"><img src="https://agentmods.dev/badge/rules/mohitagw15856/pm-claude-skills/refinance-breakeven.svg" alt="Reviewed on agentmods" width="80" height="20"></a>What it costs to keep this loaded
Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.
| Model | Per session | Once invoked |
|---|---|---|
| Fable 5.1 | $0.00096 | $0.00947 |
| Opus 5 | $0.00048 | $0.00474 |
| Sonnet 5 | $0.00019 | $0.00189 |
| Haiku 4.5 | $0.00010 | $0.00095 |
Grade A, and why
refinance-breakeven scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 8d ago.
A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.
Nothing flagged
None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.
How it starts
The opening of the file, as written. The whole thing — 77 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Refinance Breakeven Skill
"Lower monthly payment" and "saves money" are different claims, and lenders profit from the confusion. This skill computes when a refinance genuinely breaks even — and names the two standard ways the simple math lies: the term reset that trades a lower payment for more total interest, and the cash-out that relabels borrowing as saving.
What This Skill Produces
- The breakeven analysis — payment delta, upfront costs, the month cumulative savings pass them
- Both interest totals — keep vs refi, side by side, costs included
- The honest verdict — refinance / don't / refinance-but-shorter-term, with the reason
Required Inputs
Ask for these if not provided:
- 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
Programmatic Helper
python3 scripts/refinance_breakeven.py --balance 380000 --rate 6.9 --months-left 336 \
--new-rate 5.6 --new-term 360 --closing 6500
python3 scripts/refinance_breakeven.py --json-input refi.json --json
Standard amortization, simple-savings breakeven (cumulative payment delta vs upfront costs). The script prints the term-reset warning itself when the new term extends the payoff date. Not modeled — and say so: reinvestment of savings, tax deductibility, ARM resets.
Framework: When Breakeven Math Lies
| The lie | The tell | The honest comparison |
|---|---|---|
| Term reset | 26 years left → "new 30-year loan" | Total interest both paths (the script prints it) — or price the refi at the same remaining term |
| Cash-out gravity | "…and take $40k out while rates are good" | That's a new loan decision; analyze it separately at its own rate |
| Points seduction | Lower rate via points | Points go into upfront cost; breakeven moves — recompute, don't eyeball |
| Horizon blindness | Breakeven month 38, moving in ~2 years | If sell-month < breakeven month, the refi is a donation to the lender |
What this file has done since we first saw it
Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.
- 8d ago First seen · 77 lines · 96 tokens per session scan A 7c015846a291
refinance-breakeven is a cursor rule published in the GitHub repository mohitagw15856/pm-claude-skills (1,357 stars, last pushed today), licensed MIT. It adds 96 tokens to every session and 947 once invoked, about $0.0005 per session on Opus 5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-09-03.
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