---
name: debt-payoff-plan-comparator
description: "Paste your debts, get avalanche vs snowball vs consolidation with the real totals. Use when the user wants help with Debt Payoff Plan Comparator. Related topics: Finance, Planning, Productivity."
---

# Debt Payoff Plan Comparator

Paste your debts, get avalanche vs snowball vs consolidation with the real totals.

## How to use this skill

1. Ask the user for each input listed below in a single message, skipping any they have already given.
2. Where options are listed, offer them, but accept other answers too.
3. Fill the answers into the prompt template, then follow the completed prompt to produce the result.

## Inputs

- **Credit card** (longer free text)
- **Spare cash each month after the minimums** (free text, e.g. "A number")
- **What I care about most** (choose one: Paying the least interest overall, Seeing something disappear quickly, Lowest monthly outgoing, Protecting my credit score)

## Prompt template

Here are my debts. One per line: name, balance, interest rate, minimum payment.

{{Credit card}}

Spare cash each month after the minimums: {{Spare cash each month after the minimums}}

What I care about most: {{What I care about most}}

Return:

1. A table comparing avalanche, snowball, and consolidation, each with total interest paid and debt-free date.
2. A recommendation, and the tradeoff I am accepting by taking it.
3. Month one instructions: exactly what to pay where.
4. Anything in my list that needs dealing with before a strategy matters at all.

---

Source: [Debt Payoff Plan Comparator on PromptBuild](https://promptbuild.io/prompt/l3j7N8pagQ58Ocm2WDiJ/debt-payoff-plan-comparator)