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Vehicle Decision Brief

Written in-house · editorially graded

Every SkillsBank offering is written in-house — never scraped or crowd-sourced — and graded against a fixed editorial rubric in a separate grading step.

Dry-run test passed · Aug 18, 2026

Trigger check passed

Editorially graded · Aug 18, 2026

Generates a polished Buy vs. Lease vs. Keep decision brief for a vehicle, turning a dealer quote, lease offer sheet, and current-vehicle ownership costs into a DOCX and PDF report with an executive summary, cost breakdown table, break-even analysis, and weighted recommendation matrix. Use when a customer needs a presentation-ready document to bring to a spouse, client, or finance committee to decide whether to buy, lease, or keep a vehicle.

What you get

An installable SKILL.md file for your AI assistant. Produces a Word document (.docx) and a PDF.

Works in
Claude Code · Cursor
Native — drops into .claude/skills/
Copilot · Codex · Gemini CLI
Native — reads .agents/skills/
claude.ai — web & desktop
Upload the .zip in Customize → Skills
ChatGPT
Via a Project — paste into its instructions

See it in action

A real input → output sample

Sample input
I'm looking at a 2024 Subaru Outback, $42,500 sticker, I'd put $5,000 down. Dealer quoted me 5.9% APR for 72 months. My current car is a 2019 Camry, paid off, trade-in offer is $7,500. Costs me about $2,100/year in maintenance and insurance together — repairs are definitely going up though. I drive 15,000 miles a year, live in Texas. Can you tell me if I should buy or keep? I don't have a lease offer yet.
Sample output
Sample output produced by the Vehicle Decision Brief skill
Produced by an AI assistant following this skill on the sample input above.
View the full output as text
Example Output
Keep the 2019 Camry for the 5-year analysis horizon — it is roughly $25,362 cheaper over five years than buying the Outback, even after charging the $7,500 trade-in opportunity cost and accounting for rising repair risk. No cost crossover occurs within the 5-year horizon; the Camry remains cheaper at every annual checkpoint. Buy scores better on reliability and features, but Total Cost carries the heaviest weight in the recommendation matrix. Revisit if annual repairs exceed approximately $3,500 or if a competitive lease offer becomes available.

Goes well with

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