DebtDrill

DebtDrill is a mobile + web app that helps people build real financial resilience by running “what-if” stress tests on their cash flow and debt. Users connect accounts (or manually enter data), then simulate shocks: hours cut, rent increase, medical bill, interest-rate jump, car repair, or partner job loss. The app shows how many days until missed payments, which bills fail first, and the cheapest sequence of actions to stay current (pause subscriptions, negotiate APR, switch repayment method, refinance, hardship plans). It also generates a weekly resilience score based on liquidity, fixed-cost load, and debt fragility, with a concrete 30-day plan. This is not a feel-good budgeting tool; it’s a triage and playbook system designed for people living close to the edge. It will feel blunt because the numbers are blunt.