debt-payoff

debt-payoff is a skill for Claude Code, Codex from tinh2/skills-hub-registry. It costs 42 tokens per session (2,604 once invoked), scanned A, original, no licence file.

A review of software that helps people plan and track repayment of loans and other debts. The avalanche method pays highest-interest debt first, while the snowball method pays the smallest balance first.

In plain words
What is it for?
Use it to assess debt strategies, amortization schedules, payment automation, credit-score modeling, hardship workflows, and repayment visualizations.
Why use it?
It helps find errors in interest and payment calculations, repayment schedules, hardship handling, credit-impact estimates, and progress tracking.

Skill for Claude CodeCodex

Which agent this was written for is unclear — body not stored (licence); the path alone says nothing.

Good fit Use it to assess debt strategies, amortization schedules, payment automation, credit-score modeling, hardship workflows, and repayment visualizations.

Compare 6 skills from other repositories ↓
Install with agentmods
npx agentmods add skills/tinh2/skills-hub-registry/debt-payoff
Install

Getting it into your agent

One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.

Any agent
npx skills add tinh2/skills-hub-registry --skill debt-payoff
Clone the repo
git clone --depth 1 https://github.com/tinh2/skills-hub-registry

Made for: Claude Code, Codex.

Wrote 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.

agentmods badge for debt-payoff

README.md
[![agentmods](https://agentmods.dev/badge/skills/tinh2/skills-hub-registry/debt-payoff/github.svg)](https://agentmods.dev/skills/tinh2/skills-hub-registry/debt-payoff)
Your own site
<a href="https://agentmods.dev/skills/tinh2/skills-hub-registry/debt-payoff"><img src="https://agentmods.dev/badge/skills/tinh2/skills-hub-registry/debt-payoff/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.

agentmods 80×15 button for debt-payoff

Your own site · 80×15
<a href="https://agentmods.dev/skills/tinh2/skills-hub-registry/debt-payoff"><img src="https://agentmods.dev/badge/skills/tinh2/skills-hub-registry/debt-payoff.svg" alt="Reviewed on agentmods" width="80" height="20"></a>
Per session 42 Skills are progressive disclosure: only the name and description are preloaded; the body loads when the skill is used.
When invoked 2,604 The whole file, excluding the scripts and references it only reads on demand.
Security scan A 0 findings. A grade says what 26 rules found in the file — not that it is safe.
Origin unknown No closer match found in the catalogue.
Token cost

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.

ModelPer sessionOnce invoked
Fable 5.1 $0.00042 $0.02604
Opus 5 $0.00021 $0.01302
Sonnet 5 $0.00008 $0.00521
Haiku 4.5 $0.00004 $0.00260

Measured 9d ago against content hash 308fccbe3fbc, method: parsed. Prices are Anthropic first-party input rates as of 2026-09-12, from the pricing page.

Security

Grade A, and why

debt-payoff 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 9d 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.

analysis/debt-payoff/SKILL.md · 291 lines

The source is not reproduced here

No licence file

A repository with no LICENSE is all rights reserved by default, so the body is not copied here. The metadata, the measurements and the link are.

Read it on GitHub

Changes

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.

  1. 9d ago Changed · -18 tokens per session 308fccbe3fbc
  2. 12d ago First seen · 291 lines · 60 tokens per session scan A fc18f34a0543

Subscribe to this mod's changes

debt-payoff is a skill published in the GitHub repository tinh2/skills-hub-registry (16 stars, last pushed 8d ago), with no licence file. It adds 42 tokens to every session and 2,604 once invoked, about $0.0002 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 2026-08-30.

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