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Loan Calculator
by
BytesAgain2
· GitHub ↗
· v2.0.0
· MIT-0
448
Downloads
0
Stars
1
Active Installs
11
Versions
Install in OpenClaw
/install loan-calculator
Description
贷款计算器。等额本息/等额本金计算、方案对比、提前还款分析、贷款能力评估、还款计划表、再融资分析。Loan calculator with equal installment/principal, comparison, prepayment analysis, affordability, schedule.
README (SKILL.md)
loan-calculator
贷款计算器。等额本息/等额本金计算、方案对比、提前还款分析、贷款能力评估、还款计划表、再融资分析。Loan calculator with equal installment/principal, comparison, prepayment analysis, affordability, schedule, refinance.
如何使用
- 选择你需要的功能命令
- 输入你的具体需求描述
- 获取专业的输出结果
- 根据需要调整和完善
命令列表
| 命令 | 功能 |
|---|---|
calculate |
calculate |
compare |
compare |
prepay |
prepay |
afford |
afford |
schedule |
schedule |
refinance |
refinance |
help |
help |
专业建议
calculate默认使用等额本息（月供固定），加equal-principal切换等额本金afford按月收入的40%计算最大月供，保守安全- 等额本息**：每月还款相同，前期利息多，适合收入稳定者
- 等额本金**：每月递减，总利息少，适合收入较高者
- 贷款前1/3时间提前还款最划算（利息占比大）
loan-calculator by BytesAgain
💬 Feedback & Feature Requests: https://bytesagain.com/feedback Powered by BytesAgain | bytesagain.com
Examples
# Show help
loan-calculator help
# Run
loan-calculator run
Commands
Run loan-calculator help to see all available commands.
Usage Guidance
This skill appears coherent and implements the described loan-calculator functionality locally. Before installing or running: 1) Be aware it will create a data directory (by default ~/.local/share/loan-calculator) containing data.log and history.log that may include anything you pass to the tool; avoid entering sensitive PII or credentials into commands. 2) The scripts use the 'bc' utility (and common Unix tools like grep, date); ensure those binaries exist where you intend to run it. 3) If you want to control where data is stored, set LOAN_CALCULATOR_DIR to a safe location. 4) No network calls or secret-requiring env vars are present, but you can still review the scripts in the repository yourself if you want to audit behavior before running. Overall the package is consistent with its description.
Capability Analysis
Type: OpenClaw Skill
Name: loan-calculator
Version: 2.0.0
The skill bundle is a legitimate loan calculator tool providing financial analysis features like installment calculations and prepayment analysis. The primary logic in `scripts/loan.sh` uses standard shell utilities (bc, printf) for local calculations, and `scripts/script.sh` provides basic local logging and data management without any network activity, sensitive data access, or suspicious execution patterns.
Capability Assessment
Purpose & Capability
The scripts implement loan calculations, comparison, prepayment, affordability and schedule features that align with the description. They also include a small utility (scripts/script.sh) for persisting simple entries and history which is reasonable for user data (notes/entries) but is not mentioned in SKILL.md. The implementation writes files to a local data directory by default and uses the 'bc' calculator binary, which is not declared in the metadata.
Instruction Scope
SKILL.md only instructs running the tool (help/run) and provides examples for calculator commands. The runtime scripts do not access remote endpoints or unrelated system credentials, but they will read common env vars (LOAN_CALCULATOR_DIR, XDG_DATA_HOME, HOME) and create/write local files (data.log, history.log). The documentation does not explicitly call out local file creation.
Install Mechanism
There is no install spec (instruction-only), so nothing is downloaded or installed by an automated installer. The risk surface is limited to the included shell scripts that would be executed by the agent or user.
Credentials
The skill declares no required environment variables or credentials. At runtime the scripts consult LOAN_CALCULATOR_DIR/XDG_DATA_HOME/HOME to locate the data directory; these are common non-sensitive environment variables and their use is proportionate to persisting user data.
Persistence & Privilege
always:false (no forced inclusion). The skill writes persistent files in $LOAN_CALCULATOR_DIR or ${XDG_DATA_HOME:-$HOME/.local/share}/loan-calculator (data.log, history.log). This is normal for a tool that saves entries, but users should be aware of local disk writes and that inputs may be stored in plaintext.
How to Use
- Make sure OpenClaw is installed (local or Docker)
- Run the install command in chat:
/install loan-calculator - After installation, invoke the skill by name or use
/loan-calculator - Provide required inputs per the skill's parameter spec and get structured output
Version History
v2.0.0
v2.5 standard: Use-when desc, homepage, source, security fix
v2.3.5
yaml-fix+quality
v2.3.4
yaml-fix+quality
v2.3.3
Quality upgrade
v2.3.2
Quality upgrade: custom functionality
v2.3.1
Standards compliance: unique content, no template text
v2.3.0
Quality fixes: removed third-party references, aligned docs with implementation
v2.2.0
Enhanced descriptions for better AI triggering
v2.1.0
Enhanced descriptions for better AI triggering
v1.0.1
- Removed the tips.md file to streamline the repository.
- No changes made to core features or documentation.
v1.0.0
Initial release of loan-calculator.
- 支持等额本息与等额本金贷款计算
- 提供方案对比、提前还款分析、贷款能力评估
- 生成还款计划表和再融资分析
- 包含详细命令说明与使用建议
Metadata
Frequently Asked Questions
What is Loan Calculator?
贷款计算器。等额本息/等额本金计算、方案对比、提前还款分析、贷款能力评估、还款计划表、再融资分析。Loan calculator with equal installment/principal, comparison, prepayment analysis, affordability, schedule. It is an AI Agent Skill for Claude Code / OpenClaw, with 448 downloads so far.
How do I install Loan Calculator?
Run "/install loan-calculator" in the OpenClaw or Claude Code chat to install it in one step — no extra setup required.
Is Loan Calculator free?
Yes, Loan Calculator is completely free, licensed under MIT-0. You can download, install and use it at no cost.
Which platforms does Loan Calculator support?
Loan Calculator is cross-platform and runs anywhere OpenClaw / Claude Code is available (cross-platform).
Who created Loan Calculator?
It is built and maintained by BytesAgain2 (@ckchzh); the current version is v2.0.0.
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