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MOCHILAB / AI SKILL
Debt Payoff Strategy Lab
Compare debt avalanche and snowball repayment under one fixed budget with detailed payoff schedules.
What it does
Compare debt avalanche and snowball repayment under one fixed budget with detailed payoff schedules.
- Fixed minimum payment constraints
- Avalanche versus snowball
- Roll freed payments into remaining debt
- Detect inadequate repayment budgets
Try saying
Use my supplied records to compare debt avalanche and snowball repayment under one fixed budget with detailed payoff schedules.
Export a reproducible report with the assumptions, key metrics and detailed CSV. Ask me for missing facts first.
Calculation scope
Each debt requires id/balance/annual_rate/minimum. Apply nominal annual interest divided by twelve, then fixed minimum payments and the remaining shared budget. Minimums are capped by the balance. Variable minimum rules, penalties and changing rates are outside this model.
Deliverables and runtime
Includes executable Python 3.10+ standard-library calculations, independent numerical tests, fictional examples and an input reference. Supported flat collections accept CSV. No extra market-data key is needed. Files stay in the active assistant workspace, with input and output hashes. Analysis only; no account access or automatic trading.
References