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AC Mortgage Calculator

Calculate mortgage payments with equal-principal and equal-interest comparisons. Use when comparing loans, calculating payments, evaluating prepayment.

ClawHub Agent Skills author: BytesAgain2 v2.0.1 MIT-0 5 files · 2 scripts body ≈ 1 022 tokens Open the sourceclawhub.ai↗ analyzed 3 d ago

As a process C 60/100 · Has gaps — weak spots: when it triggers, failures and branches, consistency

ProcedureData and analyticstype and topics are labelled automatically from the skill text
Runs in: OpenClaw Claude / Claude Code ChatGPT / Codex Gemini CLI Cursor GitHub Copilot / VS Code Qwen Code Kimi Code CLI Z.ai (GLM) DeepSeek (Deep Code) Mistral Vibe LangChain (deepagents) Goose OpenCode
JSON
Technical rating
A
91/100
safety, quality, tests
Safety 60%
100
Quality 40%
77
Run on models
none yet
Process rating
C
60/100
Has gaps
Failures and branches w 10
0
When it triggers w 12
20
Consistency w 8
40
the three weakest of ten parameters · all ten

How to improve

    For the model run — optional
    • Your own cases (evals/evals.json, 4–6 real requests with expected answers): the full check would then run those instead of a model-drafted suite.
    • A spec.yaml with trigger phrases and assertions — a behaviour contract for CI; `skilltest init` writes a template.

    Guard findings · 0

    ✓ No critical or high findings

    Files scanned: 5. Evidence is masked. Grey chips explain why severity was lowered.

    Against the Agent Skills spec

    • warning name-format name should be kebab-case (lowercase letters, digits, hyphens)
    • note frontmatter-key unknown frontmatter key "homepage"
    • note frontmatter-key unknown frontmatter key "source"

    Process rating: all ten parameters 60/100

    • 0Failures and branches. Linear process with no failure handling
    • 20When it triggers. No condition that starts the skill
    • 40Consistency. Frontmatter name (Mortgage Calculator) differs from the folder (mortgage-calculator)
    • 60Tools and files. Uses tools (bash) that frontmatter does not declare
    • 60Result and completion. Output format stated, no completion criterion
    • 70Inputs and preconditions. Inputs and preconditions are listed
    • 100Steps. 12 steps
    • 100Execution cost. Instruction body is 1022 tokens
    • 100Running it twice. Mutating operations check current state
    • 100Progress reporting. Reports progress
    • low The response is described with custom markup (3 tags): a typed call is more reliable

    Everything here is measured from the skill text rather than judged by a model, so the numbers are checkable. A parameter weighs more when it is a more common reason for the process to stall.

    Quality signals

    • +5Description has no quoted example phrases that should trigger the skill
    • +4Description does not say when NOT to use the skill (false activations)
    • -32 of 2 scripts are never mentioned in SKILL.md
    • +1No license
    • +2Single-language instructions
    • +3Description length 151: enough signal without eating the budget
    • +4Structure: 8 headings
    • +3Step-by-step instructions: 12 items
    • +3Output format is stated explicitly
    • +4Has examples (3 code blocks)

    Quality base 70; lint remarks subtract, signals add up to 100. Result: 77.

    External checks

    ClawHub: clean
    This skill appears to be a local mortgage calculator plus mortgage-note tracker, but it stores notes and command history in plaintext files.
    LLM: benign (medium) · VirusTotal: · 29 May 2026