A web and mobile tool where users enter debts, assets, income, rates, penalties, and available credit options, then receive side-by-side payoff scenarios with total interest, monthly payment, risk level, and timeline. The product can connect to bank accounts and credit reports, monitor changing balances, and alert users when refinancing or repayment changes would save money.

High interest rates and rising credit card balances are pushing more consumers to consider consolidation, home equity borrowing, BNPL, and investment liquidation. Users increasingly expect automated financial calculators that provide personalized, real-time decisions instead of generic advice.