Ponytail Debt Ledger
DietrichGebert/ponytail
Collects every ponytail: comment in a codebase into one debt ledger, flags shortcuts with no upgrade trigger and reports without changing any files.
Build a debt payoff plan — avalanche vs snowball simulated month by month on your actual debts, the real payoff dates, and the psychology-vs-arithmetic tradeoff priced in dollars.
MITAuto-check passed
Install Debt Payoff
$ npx skills add mohitagw15856/pm-claude-skills --skill debt-payoff -a claude-codeProject install by default; add -g for ~/.claude/skills/.
$ gh skill install mohitagw15856/pm-claude-skills debt-payoff --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/debt-payoff .claude/skills/debt-payoff && 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 "debt-payoff" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/debt-payoff into .claude/skills/debt-payoff/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "debt-payoff", 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/debt-payoffType 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 debt-payoff -a codexProject install goes to .agents/skills/; add -g for ~/.codex/skills/.
$ gh skill install mohitagw15856/pm-claude-skills debt-payoff --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/debt-payoff .agents/skills/debt-payoff && rm -rf skills-srcUse ~/.agents/skills/ instead of .agents/skills for a personal install.
Codex skills documentation · loads skills from .agents/skills/
Install the "debt-payoff" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/debt-payoff into .agents/skills/debt-payoff/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "debt-payoff", 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 debt-payoff -a cursorProject install goes to .agents/skills/; add -g for ~/.cursor/skills/.
$ gh skill install mohitagw15856/pm-claude-skills debt-payoff --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/debt-payoff .cursor/skills/debt-payoff && 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 "debt-payoff" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/debt-payoff into .cursor/skills/debt-payoff/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "debt-payoff", 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/debt-payoff--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 debt-payoff -a gemini-cliProject install goes to .agents/skills/; add -g for ~/.gemini/skills/.
$ gh skill install mohitagw15856/pm-claude-skills debt-payoff --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/debt-payoff .gemini/skills/debt-payoff && 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 "debt-payoff" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/debt-payoff into .gemini/skills/debt-payoff/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "debt-payoff", 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 debt-payoffInstalls 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 debt-payoff -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/debt-payoff .github/skills/debt-payoff && 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 "debt-payoff" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/debt-payoff into .github/skills/debt-payoff/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "debt-payoff", 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 debt-payoff -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 debt-payoff --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/debt-payoff .opencode/skills/debt-payoff && 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 "debt-payoff" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/debt-payoff into .opencode/skills/debt-payoff/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "debt-payoff", 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
debt-payoff- GitHub stars
- 1.4k
- Token cost
- ~1.4k tokens
- SKILL.md length
- 694 words
- Files
- 2 (incl. scripts)
- Skills in repo
- 1,348
- Repo updated
- First seen
- Licence
- MIT
At a glance
Build a debt payoff plan — avalanche vs snowball simulated month by month on your actual debts, the real payoff dates, and the psychology-vs-arithmetic tradeoff priced in dollars.
- Asked how do I pay off my debts
- SKILL.md covers What This Skill Produces, Required Inputs, Programmatic Helper and Framework: The Choosing Rules, plus 8 more sections
- Runs Python scripts from its folder; calls python3
- Make me a debt payoff plan
What it does
Debt Payoff is an agent skill from mohitagw15856/pm-claude-skills. Build a debt payoff plan — avalanche vs snowball simulated month by month on your actual debts, the real payoff dates, and the psychology-vs-arithmetic tradeoff priced in dollars. Use when asked how do I pay off my debts, avalanche or snowball, make me a debt payoff plan, tackle my credit cards or loans, or when will I be debt-free. Produces the month-by-month comparison from the script, the payoff order with dates, the interest cost of choosing morale over math, and the plan-survival rules. Educational, not…
Its SKILL.md is about 1.4k tokens, which your agent loads only when the skill is triggered. The skill folder holds 2 other files, including scripts (for example `scripts/debt_payoff.py`).
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 how do I pay off my debts
- Make me a debt payoff plan
- Tackle my credit cards
- Will I be debt-free
Example prompts
- “/debt-payoff”
Requirements
- Python 3
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
Ships 1 file in scripts/ (Python), which the agent can run.
Shell commands in SKILL.md call:
python3
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
Debt Payoff loads about 1.4k tokens when it runs. Until then it costs about 138 tokens; SKILL.md has 694 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); the scripts in this folder are not scanned.
SKILL.md
The full file from mohitagw15856/pm-claude-skills at commit 1cbf1f0, republished under its MIT licence (© mohitagw15856). 694 words, ~1,382 tokens.
Download SKILL.mdSave it as
.claude/skills/debt-payoff/SKILL.md (or your agent's skills folder). This skill also uses 1 other file; get the full folder from GitHub.- name
- debt-payoff
- description
- Build a debt payoff plan — avalanche vs snowball simulated month by month on your actual debts, the real payoff dates, and the psychology-vs-arithmetic tradeoff priced in dollars. Use when asked how do I pay off my debts, avalanche or snowball, make me a debt payoff plan, tackle my credit cards or loans, or when will I be debt-free. Produces the month-by-month comparison from the script, the payoff order with dates, the interest cost of choosing morale over math, and the plan-survival rules. Educational, not regulated financial advice.
Debt Payoff Skill
The avalanche-vs-snowball debate has a correct answer (avalanche, arithmetically) and a true objection (plans people abandon save nobody anything) — and the only honest way to weigh them is to price the difference on the actual debts. Sometimes morale costs $40; sometimes it costs $4,000. This skill runs both strategies month by month with the script, shows what choosing early wins actually costs, and builds the plan around the constraint that matters most: it has to survive contact with a real budget.
What This Skill Produces
- The head-to-head — debt-free date and total interest for avalanche and snowball, simulated on the real debts
- The payoff order — which debt dies when, under the chosen strategy
- The morale price tag — what snowball's early wins cost in interest, in dollars, so the choice is informed
- The survival rules — minimum-viable version for bad months, and the windfall protocol
Required Inputs
Ask for these if not provided:
- Every debt — name, balance, APR, minimum payment; the plan is only as real as this list (and finding a forgotten debt later breaks more than math)
- The extra amount — monthly money beyond the minimums, the honest number; zero is an answer that changes the conversation to budget or income first
- Any special terms — promotional 0% windows ending (a deferred-interest cliff outranks every APR), variable rates, loans with payoff penalties (rare, but ask)
- The track record — have they started and abandoned plans before? It weighs the morale argument with evidence instead of vibes
Programmatic Helper
python3 scripts/debt_payoff.py --debt "visa:9000:24.9:180" --debt "loan:3000:6:60" --extra 200
python3 scripts/debt_payoff.py --debt "a:2000:19:50" --debt "b:9000:6:180" --extra 150 --jsonDeterministic month-by-month simulation: interest accrues, minimums are paid, the surplus cascades onto the strategy's target debt, and freed-up minimums roll forward. Fixed APRs, on-time payments, no new charges — the assumptions are printed with the result.
Framework: The Choosing Rules
- Price the difference before debating it — the interest gap between strategies on these debts is a number, not a philosophy; under ~$200 it's noise and snowball's momentum wins free
- A minimum that doesn't cover interest is an emergency — a balance growing at its minimum (the script makes this visible) jumps every queue; that debt is on fire in a way the others aren't
- Deferred-interest cliffs outrank APR order — a promotional balance that back-charges all accrued interest at month 24 gets paid off before its cliff regardless of strategy
- The plan needs a bad-month setting — define now what happens when the extra can't be paid: minimums-only is a paused plan, not a failed one; the difference is whether it restarts
- Windfalls have a protocol — tax refunds and bonuses go to the current target debt by prior decision, because in-the-moment decisions about windfalls have a known winner and it isn't the debt
Show full SKILL.md (258 more words)Show less
Output Format
Debt Payoff Plan: [N] debts, [total]
The Head-to-Head
[Script output: both strategies, dates, interest totals, the avalanche savings]
The Call
[Which strategy and why, in two sentences — citing the priced difference and the track record, not doctrine]
The Payoff Order
[Debt by debt with projected month — the countdown that makes progress visible]
Survival Rules
Bad month: [minimums-only protocol, restart trigger] · Windfalls: [target-debt rule] · Cliff watch: [any promotional deadlines, calendared]
Assumes fixed rates and no new charges — the plan's silent partner is the spending that stops. Educational model, not financial advice — verify with a licensed professional before acting on it.
Quality Checks
- Every debt appears with balance, APR, and minimum — no "roughly" balances
- The strategy choice cites the priced difference on these debts, not general doctrine
- Growing-at-minimum debts are flagged as emergencies regardless of strategy
- Promotional/deferred-interest deadlines are calendared above APR order
- The bad-month protocol exists before the first bad month
Anti-Patterns
- Do not preach avalanche when the difference is trivial — momentum is worth $40
- Do not endorse snowball without showing its price — informed morale, not managed ignorance
- Do not build a plan that requires a perfect year — perfect-year plans have a 100% failure rate
- Do not ignore the income side — past a point, the plan's bottleneck is earnings, and saying so is the honest output
- Do not touch consolidation/refinancing recommendations beyond naming them as options to research — product choice is advice territory
Example Trigger Phrases
- "How do I pay off my debts?"
- "Make me a debt payoff plan."
- "Tackle my credit cards."
- "Will I be debt-free?"
© 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 (scripts) in skills/debt-payoff of mohitagw15856/pm-claude-skills.
- SKILL.md
- scripts/debt_payoff.py
Open the folder on GitHubat commit 1cbf1f0
Compare with similar skills
Debt Payoff 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 |
|---|---|---|---|---|---|---|
| Debt Payoff this skillmohitagw15856/pm-claude-skills | 1.4k | — | ~1.4k | Automated safety check: Pass | MIT | |
| Ponytail Debt LedgerDietrichGebert/ponytail | 160k | — | ~453 | Automated safety check: Pass | MIT | |
| Brooks Debtsickn33/agentic-awesome-skills | 47k | 1 repos | ~542 | Automated safety check: Pass | MIT | |
| Tech Debt RegisterDonchitos/Claude-Code-Game-Studios | 26k | — | ~2.4k | Automated safety check: Pass | MIT | |
| Tech Debt Auditcode-yeongyu/oh-my-openagent | 70k | — | ~2.4k | Automated safety check: Notes | Custom licence | |
| Code Refactoring Tech Debtsickn33/agentic-awesome-skills | 47k | 1 repos | ~2.9k | Automated safety check: Pass | MIT |
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Questions about Debt Payoff
What does Debt Payoff do?
Build a debt payoff plan — avalanche vs snowball simulated month by month on your actual debts, the real payoff dates, and the psychology-vs-arithmetic tradeoff priced in dollars. Debt Payoff is an agent skill from mohitagw15856/pm-claude-skills. Build a debt payoff plan — avalanche vs snowball simulated month by month on your actual debts, the real payoff dates, and the psychology-vs-arithmetic tradeoff priced in dollars.
When should I use Debt Payoff?
Debt Payoff fits situations like: asked how do I pay off my debts; make me a debt payoff plan; tackle my credit cards; will I be debt-free.
How do I install Debt Payoff in Claude Code?
Run `npx skills add mohitagw15856/pm-claude-skills --skill debt-payoff -a claude-code`. Or copy the skill folder (skills/debt-payoff in mohitagw15856/pm-claude-skills) into .claude/skills/debt-payoff in your project. Claude Code loads it when a task matches its description.
How do I install Debt Payoff in Codex?
Run `npx skills add mohitagw15856/pm-claude-skills --skill debt-payoff -a codex`. Or copy the skill folder (skills/debt-payoff in mohitagw15856/pm-claude-skills) into .agents/skills/debt-payoff in your project. Codex loads it when a task matches its description.
Can I use Debt Payoff 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 debt-payoff -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/debt-payoff, .gemini/skills/debt-payoff, .github/skills/debt-payoff and .opencode/skills/debt-payoff in your project.
What does Debt Payoff need to run?
Going by SKILL.md and its folder, Debt Payoff needs Python for the scripts in its folder and the command-line tools its instructions call (python3). Our summary lists: Python 3.
Does Debt Payoff 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 Debt Payoff 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. The check reads SKILL.md only: the scripts in the folder are not scanned, so read them before running anything.
What licence does Debt Payoff use?
Debt Payoff 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 Debt Payoff use?
About 1.4k tokens (SKILL.md is roughly 5.5k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full.
What are the alternatives to Debt Payoff?
Skills that share tags, products or a category with Debt Payoff: Ponytail Debt Ledger (DietrichGebert/ponytail, 160k stars), Brooks Debt (sickn33/agentic-awesome-skills, 47k stars), Tech Debt Register (Donchitos/Claude-Code-Game-Studios, 26k stars) and Tech Debt Audit (code-yeongyu/oh-my-openagent, 70k stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.
Who maintains Debt Payoff?
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.