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Mortgage Calculator

by @ckchzh

Calculate mortgage payments with equal-principal and equal-interest comparisons. Use when comparing loans, calculating payments, evaluating prepayment.

Versionv2.0.1
Downloads824
Installs2
TERMINAL
clawhub install mortgage-calculator

πŸ“– 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 [args].

| 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

  • Location: ~/.local/share/mortgage-calculator/ (override with MORTGAGE_CALCULATOR_DIR environment variable, or XDG_DATA_HOME)
  • Data log: data.log β€” stores all entries added via add, one per line, prefixed with YYYY-MM-DD
  • History: history.log β€” every command execution is recorded with a timestamp (MM-DD HH:MM command: details) for auditing
  • Format: Plain text, one entry per line, human-readable
  • Requirements

  • Bash 4+
  • Standard Unix utilities (date, grep, cat, echo)
  • No external dependencies, no API keys, no network access needed
  • 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 init

    Add 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 list

    Search 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.txt

    Check current status

    mortgage-calculator status

    Show version and data path

    mortgage-calculator info

    Run 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/


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    ⚑ When to Use

    TriggerAction
    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

    πŸ’‘ Examples

    # Initialize the data directory
    mortgage-calculator init

    Add 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 list

    Search 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.txt

    Check current status

    mortgage-calculator status

    Show version and data path

    mortgage-calculator info

    Run a custom operation

    mortgage-calculator run "quarterly review"

    βš™οΈ 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/


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