v1.0.0Jul 4, 2026
- Initial release — live demo and downloadable, runnable foundation.
Debt Payoff Planner
Snowball or avalanche? Run both. Keep the cheaper one.
Snowball vs avalanche, side by side.
Balances, APRs, and minimums in one list.
Watch the debt-free date move as you add more.
Overview
Debt Payoff Planner answers the question every payoff journey starts with: snowball or avalanche? List each debt with its balance, APR, and minimum payment, choose how much extra you can put in monthly, and the planner runs a real month-by-month simulation of both strategies — monthly compounding, minimums first, rollover payments attacking the target debt — and shows debt-free dates, total interest, the payoff order, and exactly how much the avalanche saves. If minimums can't outrun the interest, it says so instead of pretending. Your numbers never leave the browser, which is precisely where debt numbers belong.
Next.jsReactTypeScriptLocal-first
Features
- Side-by-side snowball vs avalanche comparison
- Real month-by-month simulation with monthly compounding
- Debt-free date, total interest, and payoff order per strategy
- Rollover payments modeled honestly
- Warns when minimums can't outrun the interest
Make it yours in three steps
1
Download it
One click, one zip, the whole project. Free, MIT licensed, yours to keep.
Download Debt Payoff Planner2
Run it
Unzip it, then run this in the folder. It works immediately — no database, no accounts, no configuration.
$ npm install
$ npm run dev3
Hand it to your coding agent
The download ships with CLAUDE.md, AGENTS.md, and Cursor rules, so your agent understands the project the moment it opens the folder.
$ cd debt-payoff-planner
$ claudeClaude Code reads the included CLAUDE.md automatically — it already knows the project.
A good first prompt:
“Give me a quick tour of this project, then help me make it mine.”Agent-ready information
Ships with CLAUDE.md, AGENTS.md, Cursor rules, and a full agent handbook — project map, safety rules, recipes, tests, and deploy notes.
Claude CodeCursorCodex
/agent/START_HERE.md/agent/PROJECT_MAP.md/agent/RULES.md/agent/RECIPES.md/agent/TESTS.md/agent/DEPLOY.md/agent/agent.json
Changelog
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