Builds fixed-rate loan and mortgage amortization schedules, shows how much of each payment goes to interest, and compares payoff strategies such as extra monthly payments, one-off lump sums, a higher fixed payment, or a shorter term, with interest saved, months saved, payoff date, and an APR estimate when fees apply. Use when a user asks "how much interest will I pay?", "should I overpay my mortgage?", "what if I pay 200 more a month?", or wants a payoff plan for a car, student, or home loan. 来源：https://prompts.chat/prompts/cmv3hy93r000kjs06xgepd0t2
Splits a CSV ledger of shared costs for a trip, flat or event - equal, shares, exact, percent and itemized bills with tax/tip pro rata, 'all except' exclusions, several payers, refunds, repayments and multiple currencies at agreed rates - in cents, then finds the provably fewest settle-up transfers (exact zero-sum subgroup search). Returns balances, a per-person audit and a chat message. Includes a stdlib Python planner with --self-test. 来源：https://prompts.chat/prompts/cmvw36uun0001jw07xu4uz2md
Audits recurring subscriptions (streaming, apps, gym, cloud storage, news) from a simple CSV: true monthly and yearly cost in one currency, your share of family plans, renewals and trial conversions in the next 30 days, unused services, overlapping services in one category, price increases, and annual plans that would save money. Ends with a cancel/keep/downgrade action list. Includes a stdlib Python auditor with --self-test. 来源：https://prompts.chat/prompts/cmvgd6104000mkw081lfherz2
Splits shared costs for a group trip, house share, or event: equal, subset, weighted, or exact splits, mixed currencies with stated rates, and repayments already made, all in integer cents so totals match. Produces per-person balances and a short "who pays whom" list (at most one transfer fewer than people). Use when friends ask "who owes what?" after a trip or a shared house month. Includes a stdlib Python splitter with --self-test. 来源：https://prompts.chat/prompts/cmvexhdd0000bjt08zdwz69o7
Plans car maintenance from your service schedule and service history - estimates how far you drive from odometer readings, works out what is overdue, due soon or next due by distance or time (whichever comes first), bundles items into fewer workshop visits and forecasts costs with a monthly set-aside. Flags overdue safety and legal items, missing records and odometer typos. Includes an offline stdlib Python planner. 来源：https://prompts.chat/prompts/cmw1sug0t0007ku08xff10plv
