Debt and Cashflow

A thin orchestration layer over the planfi MCP (https://ai.planfi.app/mcp/free). All the math — amortization, avalanche/snowball ordering, prepay-vs-invest opportunity cost, refinance break-even, and the next-best-dollar funding waterfall — lives server-side. This skill only gathers inputs and calls the tools — it does not compute anything locally and bakes in no defaults of its own. Read-only.

Step 0 — Make sure the planfi tools are connected

This skill uses these tools (may be namespaced, e.g. mcp__planfi__analyze_debt_payoff): analyze_debt_payoff, analyze_debt_consolidation, analyze_mortgage_prepay, analyze_refinance, analyze_funding_waterfall, analyze_student_loans, analyze_emergency_fund, analyze_auto_purchase, analyze_cash_flow, plus optional generate_financial_plan (for plan_id chaining + a share_url). Use whichever name your environment exposes (bare or mcp__planfi__-prefixed); below they are written bare.

If they're NOT available, tell the user to connect the MCP, then continue: