Debt Drilldown

Debt Drilldown is a mobile + web app that forces you to confront your real debt situation instead of hiding behind pretty charts. You connect all your credit cards, loans, BNPL accounts, and overdrafts, and the app builds a ruthless, math-first payoff plan (avalanche, snowball, or hybrid) based on your actual cash flow, not fantasy budgets. It shows, in painful detail, what happens if you keep paying minimums versus following the plan: total interest burned, years lost, and the exact date you’re free. Every paycheck, it tells you the precise amounts to send to each creditor and can push those payments via integrations, so you can’t “forget.” When you overspend, it recalculates instantly and shows the new damage. There’s no fake motivation fluff—just clear numbers, blunt warnings, and realistic micro-goals. The app is a traditional + AI hybrid: AI helps categorize spending, simulate payoff scenarios, and generate plain-language explanations, but the core is hard math and automation. It’s built for people who are tired of lying to themselves and want a ruthless but realistic path out of debt.