# shapescale-financing-calculator

> Calculates ShapeScale financing scenarios, lease schedules, break-even points, and payment option comparisons. Use this skill when prospects ask about payment plans, total cost of ownership, amortization schedules, or lease vs purchase analysis.

- Author: Niemand Assistant
- Repository: kesslerio/dialpad-clawdbot-skill
- Version: 20260127133854
- Stars: 0
- Forks: 0
- Last Updated: 2026-02-06
- Source: https://github.com/kesslerio/dialpad-clawdbot-skill
- Web: https://mule.run/skillshub/@@kesslerio/dialpad-clawdbot-skill~shapescale-financing-calculator:20260127133854

---

---
name: shapescale-financing-calculator
description: "Calculates ShapeScale financing scenarios, lease schedules, break-even points, and payment option comparisons. Use this skill when prospects ask about payment plans, total cost of ownership, amortization schedules, or lease vs purchase analysis."
---

# Financing Calculator

## When to Use
Activate this skill whenever you must:
- Quote monthly, yearly, or biennial lease payments
- Compare total cost vs lifetime purchase across 1-5 year horizons
- Produce amortization schedules or remaining balances
- Answer break-even questions ("When does the lease surpass the lifetime price?")
- Provide finance-ready JSON summaries for follow-up emails

## Mandatory Workflow
1. **Run the Python helpers** in `scripts/financing_tools.py` (import functions or call the CLI) to compute totals, schedules, and break-even months.
2. **Answer directly from those results**—cite the calculated values in your reply.
3. **Only consider Morphik** if the script cannot run because required inputs are missing and the user has not provided them.

> 🚫 **Do NOT query Morphik for standard lease vs purchase math.** The Python module is the canonical source for financing calculations.

## Pricing Options Snapshot

### Lease Plans
| Plan | Monthly | Total Year 1 | Notes |
|------|---------|--------------|-------|
| **Lease with monthly billing** | $299 | $3,588 | Domestic only, max flexibility |
| **Lease with annual billing** | $199 | $2,388 | $1,200 annual savings vs monthly billing |
| **Lease with biennial billing** | $179 | $2,148 | Lowest payment, no hard case option |

### Lifetime Purchase
- $9,780 one-time
- No recurring fees
- Break-even vs monthly lease at ~33 months

## Progressive Disclosure: Load References as Needed

**When you need Python code examples or CLI syntax:**
- Load `financing-calculator/references/python_toolkit.md` (toolkit functions, CLI helpers, JSON templates)

**When comparing multi-year totals:**
- Load `financing-calculator/references/detailed_pricing_tables.md` (3-year and 5-year comparison tables)

**When calculating break-even points:**
- Load `financing-calculator/references/break_even_analysis.md` (lease vs purchase crossover analysis)

**When discussing third-party financing:**
- Load `financing-calculator/references/brickhouse_financing.md` (Brickhouse Capital details, qualification, when to recommend)

**When walking through a complete workflow:**
- Load `financing-calculator/references/example_workflow.md` (step-by-step consultation examples)

## Recommended Talking Points
1. Confirm the business prefers flexibility vs lowest monthly pricing.
2. Share lease totals vs lifetime purchase for 36- and 60-month horizons.
3. Highlight break-even month and cash outlay differences.
4. Offer optional add-ons (international shipping, hard case) noting plan compatibility.
5. If ROI modeling is requested, hand off to `shapescale-tools (roi-impact-modeler module)`.