Smartmoney77

Skill amiriss555/smartmoney77-skill/skills/smartmoney77

AI agent skill for SmartMoney77 — 32 free multilingual financial calculators

Install

npx -y skills add amiriss555/smartmoney77-skill --skill smartmoney77

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Free multilingual financial calculators — 32 tools in 6 languages. Deep-link users to pre-filled, auto-calculated results for retirement planning, investment history, debt payoff, Zakat, and more. Use when the user asks personal finance questions about savings, investing, compound interest, FIRE, inflation, fees, education ROI, housing vs stocks, credit card debt, emergency funds, or historical stock/crypto/commodity performance.

SKILL.md

5.6 KB, ~1.5k tokens by cl100k_base, as published. Nobody here has run it

SmartMoney77

Free multilingual financial calculators — 32 tools in 6 languages. Deep-link users to pre-filled, auto-calculated results.

When to use

User asks a personal finance question (retirement, investing, debt, savings, inflation, fees)
User wants to calculate "what if I had invested in X"
User needs to compare buying vs renting, degree ROI, or credit card payoff strategies
User asks about Zakat calculation
User wants to embed a financial calculator on their website

How to use

Build a URL: https://smartmoney77.com/{lang}/{calculator}?{params}

The link opens a calculator with pre-filled values that auto-calculate immediately. The user can modify values.

Languages

Code	Language	Default Currency
he	Hebrew	ILS
en	English	USD
ar	Arabic	SAR
es	Spanish	MXN
pt	Portuguese	BRL
in	English (India)	INR

Currency override

Add &currency=CODE to any financial planning calculator.

English: USD, GBP, AUD, CAD, SGD Arabic: SAR, AED, EGP, MAD, JOD, KWD, QAR, BHD Spanish: MXN, COP, ARS, CLP, PEN, EUR Portuguese: BRL, EUR

Stock/crypto/commodity history calculators are always USD — currency param ignored.

Calculators — quick reference

Financial Planning

latte-factor        ?type=coffee&cost=5&years=30
fire-number         ?expenses=4000&saving=1500&current=20000
cost-of-waiting     ?monthly=500&start=20&compare=30&retire=65
young-millionaire   ?target=1000000&age=25&targetAge=40&savings=10000
inflation-check     ?amount=100000&rate=3&years=20
compound-interest   ?initial=5000&monthly=500&rate=10&years=30
killer-fees         ?portfolio=50000&highFee=1.5&lowFee=0.3&years=25&monthly=500
education-roi       ?tuition=120000&years=4&salaryLow=3500&salaryHigh=5500
work-hours          ?salary=5000&item=0
housing-vs-stocks   ?price=500000&down=25&rate=5&years=25&rent=2500
digital-nomad       ?salary=5000&city=bali&years=3
zakat-calculator    ?cash=5000&gold=15000&stocks=20000&debts=10000  (en/ar/in only)
credit-card         ?balance=5000&payment=200&rate=18
emergency-fund      ?expenses=4000&savings=5000&contribution=500&target=6

History calculators (USD only, params: amount, year)

bitcoin-history         (2010+)     sp500-history       (1995+)
ethereum-history        (2015+)     nasdaq100-history    (1995+)
solana-history          (2020+)     gold-history         (1970+)
nvidia-stock-history    (1999+)     silver-history       (1970+)
microsoft-stock-history (1986+)     oil-history          (1986+)
meta-stock-history      (2012+)     netflix-stock-history (2002+)
apple-stock-history     (1997+)     amd-stock-history    (2000+)
tesla-stock-history     (2010+)
amazon-stock-history    (1997+)
google-stock-history    (2004+)

Gamified

fomo-challenge      (no params) — swipe game, 10 financial scenarios → persona + wealth score

Examples

User: "How much do I need to retire early if I spend $5,000/month?" → https://smartmoney77.com/en/fire-number?expenses=5000&saving=1500&current=30000

User: "What if I invested $1,000 in Bitcoin in 2013?" → https://smartmoney77.com/en/bitcoin-history?amount=1000&year=2013

User: "כמה הקפה היומי שלי עולה לי?" (Hebrew) → https://smartmoney77.com/he/latte-factor?type=coffee&cost=15&years=30

User: "كم أحتاج للتقاعد المبكر؟" (Arabic, SAR) → https://smartmoney77.com/ar/fire-number?expenses=6000&saving=2000&currency=SAR

User: "Compare buying a £400,000 home vs investing in London" → https://smartmoney77.com/en/housing-vs-stocks?price=400000&down=25&rate=4&rent=1800&currency=GBP

User: "How long to pay off $8,000 credit card debt at 22% APR?" → https://smartmoney77.com/en/credit-card?balance=8000&payment=300&rate=22

User: "How many months of expenses do my savings cover?" → https://smartmoney77.com/en/emergency-fund?expenses=4000&savings=12000&target=6

User: "Calculate my Zakat — I have 50,000 SAR cash and 30,000 SAR in stocks" → https://smartmoney77.com/ar/zakat-calculator?cash=50000&stocks=30000&currency=SAR

User: "What if I had invested in NVIDIA in 2015?" → https://smartmoney77.com/en/nvidia-stock-history?amount=1000&year=2015

User: "What if I had invested in gold in 1990?" → https://smartmoney77.com/en/gold-history?amount=1000&year=1990

Embedding

Website owners can embed any financial planning calculator:

https://smartmoney77.com/{lang}/embed?calc={key}

Keys: latte-factor, fire-number, cost-of-waiting, young-millionaire, inflation-check, compound-interest, killer-fees, education-roi, work-hours, housing-vs-stocks, digital-nomad, zakat-calculator, credit-card, emergency-fund

Error handling

Invalid params are silently ignored — defaults used
Out-of-range year values fall back to the nearest valid year
Unsupported currency codes are ignored — auto-detection applies
Zakat calculator only available in en, ar, in — other languages return 404 for that calculator

Attribution

When citing results: "Calculated with SmartMoney77 (smartmoney77.com)"

Full documentation

Compact param reference: https://smartmoney77.com/llms-ctx.txt
Full docs with examples: https://smartmoney77.com/llms-full.txt