jokull/fjarmalalaesi

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# fjármálalæsi An agent skill for Icelandic personal-finance literacy — payslips and wage rights, the three-pillar pension system, verðtryggð (CPI-indexed) mortgages, savings and investments, taxes, and safety nets. Built so anyone can point an AI agent at their own numbers and get correct, Iceland-specific answers instead of generic financial-calculator output. **Fjármálalæsi** ("financial literacy") is what Icelanders call the skill of understanding money. Iceland's system is genuinely idiosyncratic — mortgage principals grow with inflation, ~90% of workers are covered by kjarasamningar that set wage floors and benefit funds, pensions come in three layers with wildly different tax and means-testing treatment, and tax on extra income depends entirely on what it stacks on. Generic tools get all of it wrong. ## What the skill covers - **Payslips & wages**: launaseðill line-by-line math, union benefits and rights (kjarasamningar), salary benchmarking for negotiation - **Pensions**: the three pillars, séreignarsparnaður trade-offs (including the tax-free mortgage redirect reinstated June 2026), fund/provider choice - **Housing**: correct verðtrygging mechanics validated against real bank data, prepayment and snowball valuation in today's kronur, calendar-dated loan and equity projections under inflation scenarios (the engine behind [lanareiknivel.solberg.club](https://lanareiknivel.solberg.club)), the mortgage market and its regulation - **Taxes**: staðgreiðsla bracket stacking — the number that decides most "should I take the money now or later" questions - **Institutions & savings**: banks vs neobanks, deposit insurance, funds, government bonds, investment taxation - **Safety nets & life events**: fæðingarorlof, atvinnuleysisbætur, námslán, barnabætur, debt help, renting - **Data sources**: verified APIs (Hagstofa PX-Web, Arion calculator) and official sources with their lag traps documented Scripts are Python 3 stdlib-only — nothing to install. ## Install **Claude Code (plugin marketplace):** ``` /plugin marketplace add jokull/fjarmalalaesi /plugin install fjarmalalaesi@fjarmalalaesi ``` **Any agent supporting the [Agent Skills](https://agentskills.io) standard:** ``` npx skills add jokull/fjarmalalaesi ``` **Manual copy:** ``` git clone https://github.com/jokull/fjarmalalaesi cp -r fjarmalalaesi/skills/fjarmalalaesi ~/.claude/skills/ ``` ## Try it standalone The scripts work without any agent: ```bash cd skills/fjarmalalaesi/scripts # What does a 5M prepayment on a verðtryggt loan actually buy, in today's kronur? python3 verdtrygging.py lumpsum --balance 76000000 --apr 4.49 --months 276 \ --inflation 4.3 --amount 5000000 # Effective tax on a séreign withdrawal stacked on a 600k/mo pension python3 tax.py stacked --withdrawal 480000 --other-income 600000 # Live CPI and the current verðtrygging index from Hagstofa python3 cpi.py latest # Exact history from your bank's payment export + projection: balances, what # séreign/innborganir did, rate history, property value, equity and LTV python3 portfolio.py --history history.json # Year-by-year projection of two verðtryggð loans under three inflation scenarios python3 lanareiknivel.py project --loans 76000000:4.49:276,8800000:5.99:276 \ --start 2026-10 --inflation-path 2026:4.3,2028:2.5 # The whole paydown-vs-invest decision in one command python3 paydown_vs_invest.py --loans 76000000:4.49:276,8800000:5.99:276 \ --pot 30000000 --tax-rate-now 0.4629 --inflation 4.3 --fund-return 7.0 \ --horizon-years 20 --retirement-other-income 300000 --drawdown-years 15 ``` ## Caveats Decision-support modeling, not financial advice. Tax brackets, benefit amounts, and program rules are point-in-time (2026) — the scripts and references say where to verify current values (skatturinn.is, sedlabanki.is, hms.is, island.is). Verify big moves with your bank, union, or a licensed advisor. ## License MIT

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Icelandic personal-finance literacy (fjármálalæsi) — payslips and wage rights, union benefits, the three-pillar pension system, verðtryggð (CPI-indexed) mortgages — year-by-year projections, equity/LTV paths, and prepayment strategies — séreignarsparnaður…

原文语言：英语

2026-09-16

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