💳 Debt Payoff Simulator

Launch the App →

Compare Avalanche vs Snowball debt repayment strategies. No signup, no data stored.

"You could be debt-free 14 months sooner and save $2,847 in interest. But that requires discipline, which is how you got here."

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✨ Features

Feature	Description
📊 Strategy Comparison	Side-by-side Avalanche vs Snowball with interactive charts
🔄 Balance Transfer Analysis	Model multiple transfers to low-APR cards
📈 Sensitivity Analysis	Impact of paying $50–$500 more per month
📅 Bi-Weekly Payments	Toggle to see how 13 annual payments saves interest
🏷️ Promo APR Support	Model 0% intro rates with expiry dates
⚠️ Insufficient Payment Detection	Warns when payments can't keep up with interest
💬 Plain English Summary	What each strategy actually means for you
🎴 Customizable Summary Card	Themed, with toggleable content and payment plan breakdown
📋 CSV Export	Download your month-by-month payment plan

🚀 Try It

Use it live →

Or run locally:

git clone https://github.com/DrKenReid/Debt-Payoff-Simulator.git
cd Debt-Payoff-Simulator
pip install -r requirements.txt
streamlit run app.py

🧪 Testing

pytest tests/ -v

🤝 Contributing

PRs welcome! See CONTRIBUTING.md.

📄 License

CC BY 4.0

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Author

Ken Reid — Data Scientist, photographer, and avid reader.

• kenreid.co.uk — Portfolio & blog
• @kenreid.co.uk — Bluesky
• @DrKenReid — GitHub