Debt Detonator

Debt Detonator is a brutally honest mobile and web app that forces you to confront, prioritize, and systematically destroy your debts. Instead of fluffy graphs and feel-good tips, it connects directly to your bank, cards, and loans, then auto-builds a payoff schedule that adapts every time your income or spending changes. You get a single, ugly truth dashboard: how much you owe, how long you’ll be stuck, and exactly what to cut if you want freedom sooner. The app uses a mix of rules-based logic and AI to simulate different payoff scenarios, surface penalties and hidden fees, and recommend the most aggressive but realistic path based on your actual behavior, not your fantasies. It nags you when you slip, tells you how much your laziness costs in extra interest, and can optionally auto-move money to payments the moment your paycheck lands. No gamification, no confetti, just a cold, unfiltered path from debt prison to zero balance.