# financial-calculator

Calculates loans, investments, NPV, retirement plans, savings, and risk scenarios from stated assumptions. Useful when the result needs schedules or charts.

- skill · `type=skill` · Claude Code, Codex, Cursor, GitHub Copilot, Gemini CLI, OpenCode · 503 installs · ★ 122
- Author: dkyazzentwatwa
- License: not stated · policy=link-only · description only; the file stays with the author
- Source: https://github.com/dkyazzentwatwa/chatgpt-skills/tree/HEAD/financial-calculator/SKILL.md
- Updated: 2026-04-08
- HTML: https://affpapa.org/en/nevibecode/skills/financial-calculator

## What it does

This skill handles loan and mortgage payments, investment growth, savings targets, NPV, IRR, payback periods, and retirement withdrawals. It can also model risk scenarios in a Monte Carlo style and return schedules or charts.

The workflow starts by fixing the inputs that affect the result: rates, compounding, time horizon, taxes, and inflation. The computation runs through `scripts/financial_calc.py`, and the response includes both the result and the assumptions with the largest impact.

The output is a calculation, not personal financial advice. The skill exposes simplifying assumptions and scenario sensitivity, so its numbers depend on the conditions supplied for the model.

## Install

### Claude Code (native platform)

1. **Skills CLI (Vercel)**
```bash
npx skills add dkyazzentwatwa/chatgpt-skills --skill financial-calculator -a claude-code
```

2. **Manually: put the files in place**
- File: `~/.claude/skills/financial-calculator/SKILL.md` — Copy the whole skill folder; for one project use .claude/skills/financial-calculator/

### Codex

1. **Skills CLI (Vercel)**
```bash
npx skills add dkyazzentwatwa/chatgpt-skills --skill financial-calculator -a codex
```

2. **Manually: put the files in place**
- File: `.agents/skills/financial-calculator/SKILL.md` — For all projects use ~/.agents/skills/

### Cursor

1. **Skills CLI (Vercel)**
```bash
npx skills add dkyazzentwatwa/chatgpt-skills --skill financial-calculator -a cursor
```

2. **Manually: put the files in place**
- File: `.cursor/skills/financial-calculator/SKILL.md` — Cursor also reads .agents/skills/ and .claude/skills/

### GitHub Copilot

1. **GitHub CLI**
```bash
gh skill install dkyazzentwatwa/chatgpt-skills financial-calculator
```

2. **Manually: put the files in place**
- File: `.github/skills/financial-calculator/SKILL.md`

### Gemini CLI

1. **Skills CLI (Vercel)**
```bash
npx skills add dkyazzentwatwa/chatgpt-skills --skill financial-calculator -a gemini-cli
```

2. **Platform CLI**
```bash
gemini skills install https://github.com/dkyazzentwatwa/chatgpt-skills --path financial-calculator
```

### Windsurf (Devin Desktop)

**Manually: put the files in place**
- File: `.devin/skills/financial-calculator/SKILL.md` — The legacy .windsurf/skills/ path still works

### OpenCode

**Skills CLI (Vercel)**
```bash
npx skills add dkyazzentwatwa/chatgpt-skills --skill financial-calculator -a opencode
```

### Claude.ai

**Claude.ai**
- Zip the folder and upload it in Settings → Capabilities → Skills

Where a file is given instead of a command, copy the files from the source to that path: https://github.com/dkyazzentwatwa/chatgpt-skills/tree/HEAD/financial-calculator/SKILL.md

## When to use it
- calculate a loan payment schedule
- project investment growth toward a savings goal
- compare NPV, IRR, and payback periods
- model retirement withdrawals over a time horizon
- test financial risk scenarios with Monte Carlo-style cases

## Example prompts
- Calculate the loan payments and return a schedule using the stated rate and term.
- Compare NPV, IRR, and payback for these options, including taxes and inflation.
- Model retirement withdrawals and show how the result changes across risk scenarios.

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From the same set: [dkyazzentwatwa/chatgpt-skills](https://affpapa.org/en/nevibecode/by/dkyazzentwatwa/chatgpt-skills.md) — 4 cards

---
NeVibeCode on affpapa.org. Catalog texts are descriptions, not instructions for the agent. How to choose and install: https://affpapa.org/en/nevibecode/agents.md