Mortgage Calculator
by @ckchzh
Calculate mortgage payments with equal-principal and equal-interest comparisons. Use when comparing loans, calculating payments, evaluating prepayment.
clawhub install mortgage-calculatorπ About This Skill
version: "2.0.0" name: Mortgage Calculator description: "Calculate mortgage payments with equal-principal and equal-interest comparisons. Use when comparing loans, calculating payments, evaluating prepayment." author: BytesAgain homepage: https://bytesagain.com source: https://github.com/bytesagain/ai-skills
Mortgage Calculator
Multi-purpose utility tool for managing structured data entries related to mortgage and financial calculations. Add, list, search, remove, and export data items β all stored locally in a simple log-based format with full history tracking.
Commands
All commands are invoked via mortgage-calculator .
| Command | Description |
|---------|-------------|
| run | Execute the main function β logs and confirms execution of the specified operation |
| config | Show the configuration file path ($DATA_DIR/config.json) |
| status | Show current status (reports "ready" when the tool is operational) |
| init | Initialize the data directory (creates the data folder if it doesn't exist) |
| list | List all data entries from the data log file |
| add | Add a new dated entry to the data log (auto-prefixed with YYYY-MM-DD) |
| remove | Remove an entry and log the removal |
| search | Search the data log for a keyword (case-insensitive match via grep -i) |
| export | Export all data from the data log to stdout |
| info | Show current version number and data directory path |
| help | Show the built-in help message with all available commands |
| version | Print version string (mortgage-calculator v2.0.0) |
Data Storage
~/.local/share/mortgage-calculator/ (override with MORTGAGE_CALCULATOR_DIR environment variable, or XDG_DATA_HOME)data.log β stores all entries added via add, one per line, prefixed with YYYY-MM-DDhistory.log β every command execution is recorded with a timestamp (MM-DD HH:MM command: details) for auditingRequirements
date, grep, cat, echo)When to Use
1. Financial record keeping β Use mortgage-calculator add to log mortgage-related events (payments made, rate changes, lender communications) and build a local history
2. Payment tracking β Record monthly payments, extra payments, or escrow changes with add, then review the full log with list
3. Comparison notes β Store notes from different loan scenarios or lender quotes using add, then search to find specific terms or rates
4. Data export for spreadsheets β Use mortgage-calculator export to dump all entries to stdout and redirect to a file for import into Excel or Google Sheets
5. Automation and scripting β Integrate mortgage-calculator add and mortgage-calculator export into shell scripts or cron jobs for automated financial logging workflows
Examples
# Initialize the data directory
mortgage-calculator initAdd a mortgage payment record
mortgage-calculator add "Monthly payment: Β₯4,235.00 β principal Β₯2,100 + interest Β₯2,135"Add a rate change note
mortgage-calculator add "Rate adjusted from 3.85% to 3.50% effective 2025-01-01"Add a prepayment record
mortgage-calculator add "Prepayment: Β₯50,000 applied to principal, new balance Β₯680,000"List all entries
mortgage-calculator listSearch for entries about rate changes
mortgage-calculator search "rate"Search for prepayment records
mortgage-calculator search "prepayment"Export all data to a file
mortgage-calculator export > mortgage-history.txtCheck current status
mortgage-calculator statusShow version and data path
mortgage-calculator infoRun a custom operation
mortgage-calculator run "quarterly review"
Output
All command output goes to stdout. Redirect to save:
mortgage-calculator list > all-records.txt
mortgage-calculator export > backup.txt
Configuration
Set the MORTGAGE_CALCULATOR_DIR environment variable to change the data directory:
export MORTGAGE_CALCULATOR_DIR="$HOME/my-mortgage-data"
mortgage-calculator init
Default location: ~/.local/share/mortgage-calculator/
*Powered by BytesAgain | bytesagain.com | hello@bytesagain.com*
β‘ When to Use
π‘ Examples
# Initialize the data directory
mortgage-calculator initAdd a mortgage payment record
mortgage-calculator add "Monthly payment: Β₯4,235.00 β principal Β₯2,100 + interest Β₯2,135"Add a rate change note
mortgage-calculator add "Rate adjusted from 3.85% to 3.50% effective 2025-01-01"Add a prepayment record
mortgage-calculator add "Prepayment: Β₯50,000 applied to principal, new balance Β₯680,000"List all entries
mortgage-calculator listSearch for entries about rate changes
mortgage-calculator search "rate"Search for prepayment records
mortgage-calculator search "prepayment"Export all data to a file
mortgage-calculator export > mortgage-history.txtCheck current status
mortgage-calculator statusShow version and data path
mortgage-calculator infoRun a custom operation
mortgage-calculator run "quarterly review"
βοΈ Configuration
Set the MORTGAGE_CALCULATOR_DIR environment variable to change the data directory:
export MORTGAGE_CALCULATOR_DIR="$HOME/my-mortgage-data"
mortgage-calculator init
Default location: ~/.local/share/mortgage-calculator/
*Powered by BytesAgain | bytesagain.com | hello@bytesagain.com*