Build a paid debt-planning product centered on an editable cash-flow calendar rather than a generic monthly calculator. Users enter debts, minimum payments, balances, interest rates, recurring income dates, and essential expenses; the planner then proposes paycheck-specific payments while allowing account exclusions and custom payoff ordering. Start with planning, reminders, and exportable instructions rather than moving money, reducing regulatory and integration complexity.

The signals span multiple products and nearly a decade, indicating a persistent workflow rather than one release defect. Recent reviews still report incorrect repayment timing and unclear account controls, while successful automatic contributions demonstrate that users value payment plans that fit their cash flow.