DebtRx

A living debt-payoff coach that recalculates your plan as your life changes.

Live demo: https://debtrx-app.lovable.app — open "Load a sample plan" to explore instantly.

DebtRx turns a one-time debt calculation into a plan that stays current. Enter your debts, income, and expenses, pick a payoff strategy, and get a personalized schedule — debt-free date, total interest, and interest saved versus paying only minimums — that updates automatically as your income, spending, and balances change.

Disclaimer: Educational projections only — not financial, legal, or tax advice. Estimates assume fixed APRs and on-time payments; actual results will vary.

Features

• Personalized payoff plan using avalanche (highest APR first) or snowball (lowest balance first)
• Automatic rollover — a cleared debt's payment flows into the next target debt, accelerating payoff
• Dynamic recompute on every change to income, spending, or balances
• Dashboard with debt-free date, total remaining, progress, and an interest-saved hero stat
• Milestone celebrations when a debt clears or you cross the halfway mark
• A what-if simulator to test extra payments or income changes without altering your saved plan
• Accessible: animations respect prefers-reduced-motion

How the payoff engine works

Each month the engine:

1. Accrues interest on every debt (APR ÷ 12)
2. Pays the minimum on each debt
3. Applies all remaining surplus — plus freed-up payments from already-cleared debts — to a single target debt chosen by the active strategy

That rollover step is what makes payoff accelerate over time. The engine was specified by hand and verified against an independent reference calculation, with regression tests asserting both concrete expected values and relative invariants (avalanche interest < snowball interest < minimum-only).

Tech

• React + TypeScript (Vite), Tailwind CSS
• Client-side only — local state and sample data, no backend or accounts (intentional prototype scope)
• Built with the Lovable AI app builder; the payoff engine and product decisions were specified manually

Run locally

npm install
npm run dev

Then open the local URL shown in the terminal.

Project context

DebtRx is a self-initiated product project taken from discovery through requirements and trade-offs to a working, published prototype. It's deliberately scoped to a front-end demo on sample data to focus on the strategy engine and the dynamic experience rather than infrastructure. (See the live demo for the full flow.)

Roadmap

• Live account linking to replace manual entry
• Persistence and accounts for returning users
• A fully built custom-priority strategy