Stop arguing with Reddit. See both debt payoff plans in one dashboard.

Paste in up to 7 debts (balance, APR, minimum payment) and your extra monthly budget — get a full snowball vs avalanche comparison with payoff timelines, total interest, and a strategy recommendation matched to your motivation style.

$3.99

Works in Claude (Pro/Max/Team) or ChatGPT (Plus/Team) · paid AI plan required

Both Claude + ChatGPT packages included — you can't pick the wrong one.

Updated May 26, 2026

Included

01Models both strategies side-by-side: exact payoff month, total interest paid, and which debt gets hit first under each plan

02Generates a month-by-month payment schedule for every debt under both strategies — no spreadsheet required

03Tells you how much more interest the snowball costs vs avalanche (sometimes $0, sometimes $3,000 — you'll know)

04Recommends a strategy based on your motivation profile, not just the math — because the plan you stick to wins

05Outputs a visual HTML dashboard, a CSV, and a Google Sheets–ready block so you can actually use it

06Covers the behavioral traps too: what to do with windfalls, whether to close paid-off cards (don't), and what happens the month after your first payoff

What it does

You've got 3–5 debts, a tight extra payment budget, and two camps of people online yelling at you. Dave Ramsey says pay the smallest balance first and feel the wins. The r/personalfinance crowd says that's mathematically wrong and you're leaving hundreds of dollars on the table. Both are sometimes right — and neither knows your specific numbers or how you actually behave when progress feels slow. This skill runs your real debts through both strategies simultaneously. You get a visual dashboard (rendered as an HTML artifact) showing every debt, every payoff date, every dollar of interest under snowball and avalanche, plus a month-by-month schedule so you know exactly what to pay and when. The recommendation section doesn't just say 'avalanche wins' — it factors in how you described your motivation style and frames the tradeoff honestly. The skill also covers what most debt calculators completely ignore: the behavioral layer. What to do when a tax refund lands. Whether to close the paid-off card (don't — it'll spike your utilization and tank your score right when you want it). What 'snowflaking' is and why throwing every random $20 at your target debt accelerates payoff faster than the math suggests. And what to do in the 30 days after your first debt is gone — because that's when most people quietly stop tracking. Bundled inside: a precise amortization algorithm (debt-math.md) so the numbers are actually correct, an arithmetic validation step that checks every schedule before rendering, a behavioral finance framework (motivation-profiles.md) that drives the recommendation language, a practitioner-built behavioral guardrails reference (behavioral-guardrails.md) covering windfalls, emergencies, card usage, and the identity-shift trap, a dashboard design spec (dashboard-design-spec.md) for the visual output, and an exact CSV/Sheets format spec so the export works in your actual tools. This isn't a prompt that guesses at debt math — it's a system built to get the numbers right and help you commit to a plan.

Frequently asked

Does it generate the actual month-by-month payment plan or just the totals?

Both. You get the full month-by-month schedule showing which debt gets the extra payment each month and what the remaining balance is — for both strategies. Plus the summary totals (total interest, payoff date, months to debt-free) in the dashboard.

The math on these things is always wrong. How do I know the numbers are accurate?

The skill runs an explicit arithmetic-validation step before rendering anything. It checks that cumulative interest matches the sum of monthly interest charges (within $1.00), that every debt lands at exactly $0.00 on its payoff month (no sub-dollar residuals), and that principal paid plus interest charge equals total payment applied for every month. If any check fails, it regenerates the schedule before producing the HTML, CSV, and Sheets blocks. The underlying amortization algorithm also handles monthly compounding, minimum payment floors, payoff month rounding, and 0% APR edge cases. That said, always sanity-check a month or two against a known calculator if you're making major financial decisions.

What if I can't pay anything extra — just the minimums?

It handles that. You'll still get the side-by-side comparison showing how long each strategy takes on minimums only, though without an extra payment the ordering difference between strategies largely disappears.

Does it cover what to do AFTER I pay off the first debt — or only the payoff plan itself?

It covers the behavioral layer too. If you mention a windfall, express anxiety about the plan, or ask what to do after the first payoff, the skill loads a practitioner-built behavioral guardrails reference and addresses your specific situation inline. That includes windfall rules (all of it at the target debt, unless your emergency fund is under one month of expenses), whether to close paid-off cards (don't — closing raises utilization on remaining cards and can drop your score 30–60 points), what to do in a mid-payoff emergency, and the 30-day re-engagement script for the identity-shift moment when people quietly stop tracking.

Can't I just ask Claude to compare my debts without buying this?

You can, but it'll probably get the amortization math wrong, skip the validation checks, and give you a generic recommendation. This skill has the algorithm, the validation step, the motivation framework, and the behavioral guardrails baked in — so you get correct numbers, a formatted output you can act on, and guidance on the traps that derail most payoff plans.

Does this work in ChatGPT or only Claude?

The skill ships in two variants: a Claude version and a Custom GPT version for ChatGPT. The HTML dashboard artifact renders natively in Claude; the Custom GPT variant produces the same schedule and recommendation content but formats the visual output differently since ChatGPT handles artifacts separately. Both versions use the same amortization algorithm, validation step, and behavioral guardrails reference.

Install — no Terminal required

After checkout you land on a page with a one-click download and a pre-built install prompt. Pick the AI you already pay for — both packages are included, so you can't pick wrong.

What you'll see the second your payment clears

Your license key

ST-XXXX-XXXX-XXXX · permanent

Pre-built install prompt⧉ Copy

ChatGPT package (ZIP)⬇ Download

No setup work before you buy — copy, paste, done.

Have Claude Pro, Max, or Team?

Copy the prompt, paste into Claude

Copy the pre-built install prompt from the success page, paste it into any Claude Code chat, and Claude installs the skill itself — about 10 seconds. Using the app instead? Drop the downloaded folder into a Claude Project's knowledge and ask Claude to use it.

Have ChatGPT Plus or Team?

Build a Custom GPT — ~2 minutes

Click Download ChatGPT package (included with every purchase).
Unzip it — inside is a SETUP.md and a knowledge/ folder.
Go to chatgpt.com → your profile → My GPTs → Create a GPT → Configure.
Paste the Name, Description, and Instructions from SETUP.md into the matching fields.
Under Knowledge, upload every file in the knowledge/ folder.
Click Create/Save, open your GPT, and describe your task in plain English.

A paid plan on either platform is required — Claude (Pro, Max, or Team) or ChatGPT (Plus or Team). Comfortable with Terminal? A one-line npx skilltree-network install path is available too.

Stop arguing with Reddit. See both debt payoff plans in one dashboard.

What it does

Frequently asked

Install — no Terminal required

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