DebtSwitch

DebtSwitch is a mobile + web app that helps users choose between debt snowball and debt avalanche based on their real behavior, not just math. You enter balances, APRs, minimums, and paydays (manual input only to avoid risky bank-link complexity at MVP). The app simulates both strategies, then runs a short “commitment check” (missed-payment risk, cash-flow volatility, motivation style) to recommend a plan and a monthly extra-payment target you can actually sustain. It then generates a calendar-based payoff schedule, reminders aligned to paydays, and a “plan drift” detector that flags when you’re likely to quit (e.g., repeated late entries, reduced extra payments) and suggests a smaller, more durable extra amount. It’s not a miracle cure: it won’t negotiate debt or erase interest. It’s a practical planner that reduces decision fatigue and increases follow-through.