SKILLEMALL.ai
GitHub ↗ RU Sign in

AC debt-payoff-plan

Build a debt-payoff plan across multiple debts using the avalanche or snowball method. Use when asked to pay off debt, tackle credit cards/loans, or choose between avalanche and snowball. Produces an ordered payoff schedule, the total interest and time for each method, and a clear recommendation. Educational, not regulated financial advice.

mohitagw15856/pm-claude-skills Agent Skills author: mohitagw15856 MIT 1 file body ≈ 649 tokens Open the sourcegithub.com↗ analyzed 2 d ago

Build a debt-payoff plan across multiple debts using the avalanche or snowball method.

As a process C 62/100 · Has gaps — weak spots: when it triggers, failures and branches, progress reporting

Generatortype and topics are labelled automatically from the skill text
Runs in: 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) OpenClaw Goose OpenCode
JSON
Technical rating
A
92/100
safety, quality, tests
Safety 60%
100
Quality 40%
81
Run on models
none yet
Process rating
C
62/100
Has gaps
Failures and branches w 10
0
Progress reporting w 2
0
When it triggers w 12
20
the three weakest of ten parameters · all ten
This is a copy of a skill from another catalog; the rating counts the canonical one: debt-payoff-plan (mohitagw15856/pm-claude-skills)

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: 1. Evidence is masked. Grey chips explain why severity was lowered.

    Against the Agent Skills spec

    • note frontmatter-key unknown frontmatter key "deprecated"
    • note frontmatter-key unknown frontmatter key "supersededBy"

    Process rating: all ten parameters 62/100

    • 0Failures and branches. Linear process with no failure handling
    • 0Progress reporting. Says nothing while it works
    • 20When it triggers. No condition that starts the skill
    • 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. 13 steps
    • 100Consistency. Name and required fields are in place
    • 100Execution cost. Instruction body is 649 tokens
    • 100Running it twice. No mutating operations

    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)
    • +4No input/output examples
    • +1No license
    • +2Single-language instructions
    • +3Description length 342: enough signal without eating the budget
    • +4Structure: 7 headings
    • +3Step-by-step instructions: 13 items
    • +3Output format is stated explicitly

    Quality base 70; lint remarks subtract, signals add up to 100. Result: 81.