Money Save
iamzifei/show-me-the-money
Save the current business state to disk so future Claude Code sessions can pick up where you left off.
Compute the month a refinance actually starts saving money — payment delta, breakeven month, and total interest on both paths including the term-reset trap.
MITAuto-check passed
Install Refinance Breakeven
$ npx skills add mohitagw15856/pm-claude-skills --skill refinance-breakeven -a claude-codeProject install by default; add -g for ~/.claude/skills/.
$ gh skill install mohitagw15856/pm-claude-skills refinance-breakeven --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/refinance-breakeven .claude/skills/refinance-breakeven && 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 "refinance-breakeven" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/refinance-breakeven into .claude/skills/refinance-breakeven/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "refinance-breakeven", 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/refinance-breakevenType 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 refinance-breakeven -a codexProject install goes to .agents/skills/; add -g for ~/.codex/skills/.
$ gh skill install mohitagw15856/pm-claude-skills refinance-breakeven --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/refinance-breakeven .agents/skills/refinance-breakeven && rm -rf skills-srcUse ~/.agents/skills/ instead of .agents/skills for a personal install.
Codex skills documentation · loads skills from .agents/skills/
Install the "refinance-breakeven" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/refinance-breakeven into .agents/skills/refinance-breakeven/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "refinance-breakeven", 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 refinance-breakeven -a cursorProject install goes to .agents/skills/; add -g for ~/.cursor/skills/.
$ gh skill install mohitagw15856/pm-claude-skills refinance-breakeven --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/refinance-breakeven .cursor/skills/refinance-breakeven && 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 "refinance-breakeven" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/refinance-breakeven into .cursor/skills/refinance-breakeven/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "refinance-breakeven", 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/refinance-breakeven--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 refinance-breakeven -a gemini-cliProject install goes to .agents/skills/; add -g for ~/.gemini/skills/.
$ gh skill install mohitagw15856/pm-claude-skills refinance-breakeven --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/refinance-breakeven .gemini/skills/refinance-breakeven && 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 "refinance-breakeven" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/refinance-breakeven into .gemini/skills/refinance-breakeven/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "refinance-breakeven", 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 refinance-breakevenInstalls 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 refinance-breakeven -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/refinance-breakeven .github/skills/refinance-breakeven && 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 "refinance-breakeven" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/refinance-breakeven into .github/skills/refinance-breakeven/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "refinance-breakeven", 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 refinance-breakeven -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 refinance-breakeven --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/refinance-breakeven .opencode/skills/refinance-breakeven && 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 "refinance-breakeven" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/refinance-breakeven into .opencode/skills/refinance-breakeven/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "refinance-breakeven", 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
refinance-breakeven- GitHub stars
- 1.4k
- Token cost
- ~1k tokens
- SKILL.md length
- 492 words
- Files
- 3 (incl. scripts, references)
- Skills in repo
- 1,348
- Repo updated
- First seen
- Licence
- MIT
At a glance
Compute the month a refinance actually starts saving money — payment delta, breakeven month, and total interest on both paths including the term-reset trap.
- Asked should I refinance
- SKILL.md covers What This Skill Produces, Required Inputs, Programmatic Helper and Framework: When Breakeven Math…, plus 7 more sections
- Runs Python scripts from its folder; calls python3
- Does a refi break even
What it does
Refinance Breakeven is an agent skill from mohitagw15856/pm-claude-skills. Compute the month a refinance actually starts saving money — payment delta, breakeven month, and total interest on both paths including the term-reset trap. Use when asked should I refinance, when does a refi break even, compare my loan to a refi offer, or is this refinance worth the closing costs. Produces the breakeven analysis with both interest totals, the if-you-sell-before-month-N warning, and the cases where the breakeven math lies.
Its SKILL.md is about 1k tokens, which your agent loads only when the skill is triggered. The skill folder holds 4 other files, including scripts and reference files (for example `references/worked-example.md` and `scripts/refinance_breakeven.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 should I refinance
- Does a refi break even
- Compare my loan to a refi offer
- Is this refinance worth the closing costs
Example prompts
- “/refinance-breakeven”
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
Refinance Breakeven loads about 1k tokens when it runs, and up to ~1.8k if it reads all its reference files. Until then it costs about 116 tokens; SKILL.md has 492 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). 492 words, ~1,042 tokens.
Download SKILL.mdSave it as
.claude/skills/refinance-breakeven/SKILL.md (or your agent's skills folder). This skill also uses 2 other files; get the full folder from GitHub.- name
- refinance-breakeven
- description
- Compute the month a refinance actually starts saving money — payment delta, breakeven month, and total interest on both paths including the term-reset trap. Use when asked should I refinance, when does a refi break even, compare my loan to a refi offer, or is this refinance worth the closing costs. Produces the breakeven analysis with both interest totals, the if-you-sell-before-month-N warning, and the cases where the breakeven math lies.
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 --jsonStandard 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 |
Output Format
Refinance Analysis: [loan]
Show full SKILL.md (198 more words)Show less
The Numbers
[Script output: payments, delta, breakeven month, both interest totals, term-reset warning if applicable]
The Verdict
[Refinance / Don't / Refinance at a shorter term] — because [breakeven vs horizon, and the interest-total comparison in one sentence].
What Would Change the Answer
[Rate threshold where the verdict flips; the horizon below which it flips; whether a same-term refi dominates the offered one.]
Educational model, not financial advice — verify with a licensed professional before acting on it.
Quality Checks
- Breakeven month is compared against the user's stated horizon, not shown in isolation
- Total interest on both paths appears whenever the term changes
- Points are inside the upfront cost, not footnoted
- The verdict names its reason in one sentence
- The disclaimer line appears in the artifact
Anti-Patterns
- Do not equate a lower payment with saving money — the term reset is the whole trap
- Do not fold a cash-out into the breakeven — it's a separate borrowing decision
- Do not report a breakeven month without the sell-before-month-N warning
- Do not present the model's output without what it doesn't model
Example Trigger Phrases
- "Should I refinance?"
- "Does a refi break even?"
- "Compare my loan to a refi offer."
- "Is this refinance worth the closing costs?"
© 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 2 other files (scripts, references) in skills/refinance-breakeven of mohitagw15856/pm-claude-skills.
- SKILL.md
- references/worked-example.md
- scripts/refinance_breakeven.py
Open the folder on GitHubat commit 1cbf1f0
Compare with similar skills
Refinance Breakeven 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 |
|---|---|---|---|---|---|---|
| Refinance Breakeven this skillmohitagw15856/pm-claude-skills | 1.4k | — | ~1k | Automated safety check: Pass | MIT | |
| Money Saveiamzifei/show-me-the-money | 1k | — | ~2.3k | Automated safety check: Pass | Custom licence | |
| Ito Computeaffaan-m/ECC | 277k | 1 repos | ~1.7k | Automated safety check: Pass | MIT | |
| StartDonchitos/Claude-Code-Game-Studios | 26k | — | ~6.5k | Automated safety check: Pass | MIT | |
| Agent Refinementruvnet/ruflo | 74k | 2 repos | ~3.5k | Automated safety check: Pass | MIT | |
| Agent Paymentsruvnet/ruflo | 74k | 2 repos | ~960 | Automated safety check: Pass | MIT |
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Questions about Refinance Breakeven
What does Refinance Breakeven do?
Compute the month a refinance actually starts saving money — payment delta, breakeven month, and total interest on both paths including the term-reset trap. Refinance Breakeven is an agent skill from mohitagw15856/pm-claude-skills. Compute the month a refinance actually starts saving money — payment delta, breakeven month, and total interest on both paths including the term-reset trap.
When should I use Refinance Breakeven?
Refinance Breakeven fits situations like: asked should I refinance; does a refi break even; compare my loan to a refi offer; is this refinance worth the closing costs.
How do I install Refinance Breakeven in Claude Code?
Run `npx skills add mohitagw15856/pm-claude-skills --skill refinance-breakeven -a claude-code`. Or copy the skill folder (skills/refinance-breakeven in mohitagw15856/pm-claude-skills) into .claude/skills/refinance-breakeven in your project. Claude Code loads it when a task matches its description.
How do I install Refinance Breakeven in Codex?
Run `npx skills add mohitagw15856/pm-claude-skills --skill refinance-breakeven -a codex`. Or copy the skill folder (skills/refinance-breakeven in mohitagw15856/pm-claude-skills) into .agents/skills/refinance-breakeven in your project. Codex loads it when a task matches its description.
Can I use Refinance Breakeven 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 refinance-breakeven -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/refinance-breakeven, .gemini/skills/refinance-breakeven, .github/skills/refinance-breakeven and .opencode/skills/refinance-breakeven in your project.
What does Refinance Breakeven need to run?
Going by SKILL.md and its folder, Refinance Breakeven needs Python for the scripts in its folder and the command-line tools its instructions call (python3). Our summary lists: Python 3.
Does Refinance Breakeven 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 Refinance Breakeven 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 Refinance Breakeven use?
Refinance Breakeven 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 Refinance Breakeven use?
About 1k tokens (SKILL.md is roughly 4.2k 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 720 tokens, read only when the agent opens those files.
What are the alternatives to Refinance Breakeven?
Skills that share tags, products or a category with Refinance Breakeven: Money Save (iamzifei/show-me-the-money, 1k stars), Ito Compute (affaan-m/ECC, 277k stars), Start (Donchitos/Claude-Code-Game-Studios, 26k stars) and Agent Refinement (ruvnet/ruflo, 74k stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.
Who maintains Refinance Breakeven?
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.