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Decode a car lease offer — the money factor converted to APR, the cap-cost math, mileage and disposition traps, and what to negotiate.
MITAuto-check passed
Install Car Lease Decoder
$ npx skills add mohitagw15856/pm-claude-skills --skill car-lease-decoder -a claude-codeProject install by default; add -g for ~/.claude/skills/.
$ gh skill install mohitagw15856/pm-claude-skills car-lease-decoder --agent claude-codeProject scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .claude/skills && cp -r skills-src/skills/car-lease-decoder .claude/skills/car-lease-decoder && rm -rf skills-srcUse ~/.claude/skills/ instead of .claude/skills for a personal install. The folder must contain SKILL.md.
Claude Code skills documentation · loads skills from .claude/skills/
Install the "car-lease-decoder" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/car-lease-decoder into .claude/skills/car-lease-decoder/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "car-lease-decoder", then confirm the skill loads.Claude Code copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$skill-installer install https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/car-lease-decoderType this inside Codex. $skill-installer <name> installs a curated skill from openai/skills. The installer writes to $CODEX_HOME/skills (default ~/.codex/skills). Restart Codex if the skill does not show up.
$ npx skills add mohitagw15856/pm-claude-skills --skill car-lease-decoder -a codexProject install goes to .agents/skills/; add -g for ~/.codex/skills/.
$ gh skill install mohitagw15856/pm-claude-skills car-lease-decoder --agent codexProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .agents/skills && cp -r skills-src/skills/car-lease-decoder .agents/skills/car-lease-decoder && rm -rf skills-srcUse ~/.agents/skills/ instead of .agents/skills for a personal install.
Codex skills documentation · loads skills from .agents/skills/
Install the "car-lease-decoder" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/car-lease-decoder into .agents/skills/car-lease-decoder/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "car-lease-decoder", then confirm the skill loads.Codex copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add mohitagw15856/pm-claude-skills --skill car-lease-decoder -a cursorProject install goes to .agents/skills/; add -g for ~/.cursor/skills/.
$ gh skill install mohitagw15856/pm-claude-skills car-lease-decoder --agent cursorProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .cursor/skills && cp -r skills-src/skills/car-lease-decoder .cursor/skills/car-lease-decoder && rm -rf skills-srcUse ~/.cursor/skills/ instead of .cursor/skills for a personal install.
Cursor skills documentation · loads skills from .cursor/skills/, .agents/skills/, .claude/skills/, .codex/skills/
Install the "car-lease-decoder" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/car-lease-decoder into .cursor/skills/car-lease-decoder/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "car-lease-decoder", then confirm the skill loads.Cursor copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gemini skills install https://github.com/mohitagw15856/pm-claude-skills.git --path skills/car-lease-decoder--scope user (default) or --scope workspace; --path is the subfolder of the repo that holds the skill; --consent skips the security confirmation prompt.
$ npx skills add mohitagw15856/pm-claude-skills --skill car-lease-decoder -a gemini-cliProject install goes to .agents/skills/; add -g for ~/.gemini/skills/.
$ gh skill install mohitagw15856/pm-claude-skills car-lease-decoder --agent gemini-cliProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .gemini/skills && cp -r skills-src/skills/car-lease-decoder .gemini/skills/car-lease-decoder && rm -rf skills-srcUse ~/.gemini/skills/ instead of .gemini/skills for a personal install, then run /skills reload.
Gemini CLI skills documentation · loads skills from .gemini/skills/, .agents/skills/
Install the "car-lease-decoder" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/car-lease-decoder into .gemini/skills/car-lease-decoder/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "car-lease-decoder", then confirm the skill loads.Gemini CLI copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gh skill install mohitagw15856/pm-claude-skills car-lease-decoderInstalls for Copilot at project scope by default; add --scope user for a personal install. Preview a skill first with gh skill preview. Needs GitHub CLI 2.90.0 or later (public preview).
$ npx skills add mohitagw15856/pm-claude-skills --skill car-lease-decoder -a github-copilotProject install goes to .agents/skills/; add -g for ~/.copilot/skills/.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .github/skills && cp -r skills-src/skills/car-lease-decoder .github/skills/car-lease-decoder && rm -rf skills-srcUse ~/.copilot/skills/ instead of .github/skills for a personal install. Commit .github/skills so cloud agent and code review can use it.
GitHub Copilot skills documentation · loads skills from .github/skills/, .claude/skills/, .agents/skills/
Install the "car-lease-decoder" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/car-lease-decoder into .github/skills/car-lease-decoder/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "car-lease-decoder", then confirm the skill loads.GitHub Copilot copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add mohitagw15856/pm-claude-skills --skill car-lease-decoder -a opencodeOpenCode documents no install command of its own. Project install goes to .agents/skills/; add -g for ~/.config/opencode/skills/.
$ gh skill install mohitagw15856/pm-claude-skills car-lease-decoder --agent opencodeProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .opencode/skills && cp -r skills-src/skills/car-lease-decoder .opencode/skills/car-lease-decoder && rm -rf skills-srcUse ~/.config/opencode/skills/ instead of .opencode/skills for a personal install.
OpenCode skills documentation · loads skills from .opencode/skills/, .claude/skills/, .agents/skills/
Install the "car-lease-decoder" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/car-lease-decoder into .opencode/skills/car-lease-decoder/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "car-lease-decoder", then confirm the skill loads.OpenCode copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
Facts
- Skill name
car-lease-decoder- GitHub stars
- 1.4k
- Token cost
- ~1.1k tokens
- SKILL.md length
- 595 words
- Files
- 2 (incl. references)
- Skills in repo
- 1,348
- Repo updated
- First seen
- Licence
- MIT
At a glance
Decode a car lease offer — the money factor converted to APR, the cap-cost math, mileage and disposition traps, and what to negotiate.
- Works in 5 steps: Money factor first: MF × 2400 = APR.… → The lease equation, shown: depreciation… → Cap cost is the price — negotiate it… → …
- Asked to decode my car lease
- SKILL.md covers What This Skill Produces, Required Inputs, Framework and Output Format, plus 3 more sections
- Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md
What it does
Car Lease Decoder is an agent skill from mohitagw15856/pm-claude-skills. Decode a car lease offer — the money factor converted to APR, the cap-cost math, mileage and disposition traps, and what to negotiate. Use when asked to decode my car lease, is this lease deal good, what's a money factor, or review this lease before I sign. Produces the real-numbers decode (money factor → APR, total lease cost), the trap list with dollar exposure, and the negotiation points dealers expect to concede.
Its SKILL.md is about 1.1k tokens, which your agent loads only when the skill is triggered. The skill folder holds 2 other files, including reference files (for example `references/worked-example.md`).
The repository describes itself as: 1255 professional Agent Skills for Claude, ChatGPT, Gemini, Cursor & Codex — PRDs, postmortems, leases, medical bills, layoffs, go-bags, new countries. Plain markdown, MIT, in… The licence is MIT.
When your agent uses it
- Asked to decode my car lease
- Is this lease deal good
- Whats a money factor
- Review this lease before I sign
Example prompts
- “/car-lease-decoder”
Workflow steps
5 steps, taken from the first numbered list in SKILL.md.
- Money factor first: MF × 2400 = APR. Quote it back to the dealer as a rate. A "0.00325 money factor" is 7.8% — a number the customer can…
- The lease equation, shown: depreciation (cap cost − residual) + rent charge ((cap + residual) × MF) + taxes/fees. Every offer decodes into…
- Cap cost is the price — negotiate it exactly like a purchase price before ever discussing payment. "What payment do you want?" is the trap…
- The mileage math, personalized: (your real miles − allowance) × per-mile charge × term. At 15k real vs 10k leased and $0.25/mile, that's…
- The end-of-lease gauntlet: disposition fee, wear standards ("excessive" defined by whom?), and the early-exit table — decode each with its…
What it can do on your machine
Read from SKILL.md and the folder at commit 1cbf1f0. It shows what the files ask for, not the result of running them.
Tool permissions
Pre-approves nothing: there is no allowed-tools line, so your agent's usual permission prompts apply.
From allowed-tools in the SKILL.md frontmatter.
Runs code
No scripts in the folder and no shell commands in SKILL.md.
From the folder's file list and the shell code blocks in SKILL.md.
Network
No URLs in SKILL.md.
From URLs in SKILL.md, links to its own repository left out.
Credentials
Names no API keys, tokens, secrets or passwords.
From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.
Context cost
Car Lease Decoder loads about 1.1k tokens when it runs, and up to ~2.3k if it reads all its reference files. Until then it costs about 110 tokens; SKILL.md has 595 words of instructions outside code blocks.
Estimates: characters ÷ 4, the usual rule of thumb; real counts depend on the model's tokenizer. Scripts and assets cost tokens only if the agent reads them.
Safety
Auto-check passed
The automated check found no risky patterns in SKILL.md.
Automated static check — not a guarantee. Review scripts before installing. It scans the text of SKILL.md for risky patterns (piping downloads into a shell, reading credential files, hidden Unicode, destructive commands); files beside SKILL.md are not scanned.
SKILL.md
The full file from mohitagw15856/pm-claude-skills at commit 1cbf1f0, republished under its MIT licence (© mohitagw15856). 595 words, ~1,126 tokens.
Download SKILL.mdSave it as
.claude/skills/car-lease-decoder/SKILL.md (or your agent's skills folder). This skill also uses 1 other file; get the full folder from GitHub.- name
- car-lease-decoder
- description
- Decode a car lease offer — the money factor converted to APR, the cap-cost math, mileage and disposition traps, and what to negotiate. Use when asked to decode my car lease, is this lease deal good, what's a money factor, or review this lease before I sign. Produces the real-numbers decode (money factor → APR, total lease cost), the trap list with dollar exposure, and the negotiation points dealers expect to concede.
Car Lease Decoder Skill
Leases are quoted in a dialect designed to prevent comparison: money factors instead of interest rates, cap costs instead of prices, payments instead of totals. This skill translates everything into the two numbers that matter — the effective APR and the total cost of the lease — then walks the traps that live in the back pages.
Not quite this? Use
used-car-decoderwhen you are buying a used car from a listing rather than leasing.
What This Skill Produces
- The translation — money factor × 2400 = the APR they didn't say; cap cost vs MSRP vs negotiated price
- Total lease cost — payments + drive-off + fees + likely end charges, one number
- The trap list — mileage math, disposition fee, wear-and-tear standards, early-exit exposure, each priced
- Negotiation points — what's routinely movable, with the asks
Required Inputs
Ask for these only if not provided:
- The offer sheet — payment, term, miles/year, drive-off; ideally: money factor, residual %, cap cost, fees
- The car — model and MSRP (residuals and negotiability vary)
- Your driving reality — honest annual miles; the mileage trap is priced per your number
- The alternative — buying the same car, if they want the comparison (chain to
car-tco)
Framework
- Money factor first: MF × 2400 = APR. Quote it back to the dealer as a rate. A "0.00325 money factor" is 7.8% — a number the customer can compare to their credit union. Also ask what MF the captive lender published — marked-up MF is dealer profit and negotiable.
- The lease equation, shown: depreciation (cap cost − residual) + rent charge ((cap + residual) × MF) + taxes/fees. Every offer decodes into this; anything that doesn't reconcile is a question.
- Cap cost is the price — negotiate it exactly like a purchase price before ever discussing payment. "What payment do you want?" is the trap question; the decode answers with cap cost.
- The mileage math, personalized: (your real miles − allowance) × per-mile charge × term. At 15k real vs 10k leased and $0.25/mile, that's $3,750 hiding behind a cheaper payment.
- The end-of-lease gauntlet: disposition fee, wear standards ("excessive" defined by whom?), and the early-exit table — decode each with its dollar exposure and the one protective ask (e.g., waived disposition if leasing again).
Show full SKILL.md (238 more words)Show less
Output Format
Lease Decode: [car] — [term]/[miles]
The two numbers: effective APR [n.n]% · total lease cost $[n] ([payments] + [drive-off] + [fees] + [projected end charges])
The equation, reconciled [depreciation + rent charge + fees vs their payment math — matches / gap of $n asks why]
Trap table | Trap | The line | Your exposure | The ask |
Negotiation points — cap cost, MF markup, mileage tier, disposition — each with wording
Lease vs buy pointer: [one honest paragraph; full math via car-tco]
End verbatim: "This is a plain-language reading, not financial advice — lease structures and taxes vary by jurisdiction; confirm anything load-bearing before signing."
Quality Checks
- The money factor is converted to APR and the markup question is raised
- Total lease cost is computed, not just the payment
- Mileage exposure uses the user's real miles
- Every trap carries a dollar exposure and a protective ask
- The disclaimer appears verbatim
Anti-Patterns
- Do not evaluate the payment — payments are the costume; APR and total cost are the deal
- Do not accept the money factor as a mystical constant — it's a rate with a markup
- Do not use the leased mileage in the math — use the driven mileage
- Do not ignore the end-of-lease pages — that's where the cheap payment gets paid back
- Do not declare lease vs buy universally — it depends on miles, years, and taxes; point to the calculator
Example Trigger Phrases
- "Decode my car lease."
- "Is this lease deal good?"
- "What's a money factor?"
- "Review this lease before I sign."
© mohitagw15856, MIT. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file
Files
SKILL.md and 1 other file (references) in skills/car-lease-decoder of mohitagw15856/pm-claude-skills.
- SKILL.md
- references/worked-example.md
Open the folder on GitHubat commit 1cbf1f0
Compare with similar skills
Car Lease Decoder next to the 5 skills that share the most tags, products or categories with it. Stars are the repository's; “used in” counts other GitHub owners with a copy.
| Skill | Stars | Used in | Tokens | Auto-check | Licence | Repo updated |
|---|---|---|---|---|---|---|
| Car Lease Decoder this skillmohitagw15856/pm-claude-skills | 1.4k | — | ~1.1k | Automated safety check: Pass | MIT | |
| Convertremotion-dev/remotion | 63k | — | ~247 | Automated safety check: Pass | Custom licence | |
| Offerssickn33/agentic-awesome-skills | 47k | 1 repos | ~2.4k | Automated safety check: Pass | MIT | |
| Offer Appointmentsickn33/agentic-awesome-skills | 47k | 1 repos | ~3.9k | Automated safety check: Pass | MIT | |
| Offer Negotiationreactive-resume/reactive-resume | 44k | — | ~10k | Automated safety check: Pass | MIT | |
| Factor Research with IC and IRHKUDS/Vibe-Trading | 35k | — | ~2.1k | Automated safety check: Pass | MIT |
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Questions about Car Lease Decoder
What does Car Lease Decoder do?
Decode a car lease offer — the money factor converted to APR, the cap-cost math, mileage and disposition traps, and what to negotiate. Car Lease Decoder is an agent skill from mohitagw15856/pm-claude-skills. Decode a car lease offer — the money factor converted to APR, the cap-cost math, mileage and disposition traps, and what to negotiate.
When should I use Car Lease Decoder?
Car Lease Decoder fits situations like: asked to decode my car lease; is this lease deal good; whats a money factor; review this lease before I sign.
How do I install Car Lease Decoder in Claude Code?
Run `npx skills add mohitagw15856/pm-claude-skills --skill car-lease-decoder -a claude-code`. Or copy the skill folder (skills/car-lease-decoder in mohitagw15856/pm-claude-skills) into .claude/skills/car-lease-decoder in your project. Claude Code loads it when a task matches its description.
How do I install Car Lease Decoder in Codex?
Run `npx skills add mohitagw15856/pm-claude-skills --skill car-lease-decoder -a codex`. Or copy the skill folder (skills/car-lease-decoder in mohitagw15856/pm-claude-skills) into .agents/skills/car-lease-decoder in your project. Codex loads it when a task matches its description.
Can I use Car Lease Decoder in Cursor, Gemini CLI or GitHub Copilot?
Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add mohitagw15856/pm-claude-skills --skill car-lease-decoder -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/car-lease-decoder, .gemini/skills/car-lease-decoder, .github/skills/car-lease-decoder and .opencode/skills/car-lease-decoder in your project.
What does Car Lease Decoder need to run?
SKILL.md names no scripts, command-line tools or credentials: Car Lease Decoder is instructions for the agent only.
Does Car Lease Decoder access the network?
SKILL.md contains no URLs. Any network use would come from the scripts or tools the agent runs. This is read from the text; nothing was executed.
Is Car Lease Decoder safe to install?
Our automated static check of SKILL.md found no risky patterns, such as piping downloads into a shell, reading credential files or hidden Unicode. It is not a guarantee. Review the folder before installing.
What licence does Car Lease Decoder use?
Car Lease Decoder is published under the MIT licence (the repository's licence). It allows redistribution, so the full SKILL.md is shown on this page.
How many tokens does Car Lease Decoder use?
About 1.1k tokens (SKILL.md is roughly 4.5k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full. Its references folder adds about 1.2k tokens, read only when the agent opens those files.
What are the alternatives to Car Lease Decoder?
Skills that share tags, products or a category with Car Lease Decoder: Convert (remotion-dev/remotion, 63k stars), Offers (sickn33/agentic-awesome-skills, 47k stars), Offer Appointment (sickn33/agentic-awesome-skills, 47k stars) and Offer Negotiation (reactive-resume/reactive-resume, 44k stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.
Who maintains Car Lease Decoder?
mohitagw15856 (a GitHub user) maintains it in mohitagw15856/pm-claude-skills, which has 1,434 GitHub stars. The repository holds 1,348 skills in this directory. The repository was last updated on October 9, 2026.
Source: mohitagw15856/pm-claude-skills on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.