Compares commute options - car (fuel or EV), transit, bike, e-bike, walking, day-share mixes and park-and-ride legs - per month and year with cash cost, door-to-door time, time cost at your own hourly value, cost per trip and CO2. Picks pass vs pay-per-ride for the days you ride, separates car running costs from fixed costs, and shows the break-even value of an hour. Includes a stdlib Python calculator with --self-test. 来源：https://prompts.chat/prompts/cmvunjt9s0009ju0859cph6yi
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
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
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
Estimates what each home appliance costs to run from its watts, hours per day and your electricity tariff. Reads a CSV, works out kWh and cost per day, month and year, standby (vampire) loads, each appliance's share and off-peak pricing, compares the total with a real bill, and ranks savings ideas such as LED bulbs, 30 C washes and cutting standby by yearly savings. Includes a stdlib Python estimator with --self-test. 来源：https://prompts.chat/prompts/cmvnid5pf0001l007tda01gh6
