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Action Plan
Auto-generated, phased financial roadmap. NOW / NEXT / STEADY STATE — tells you exactly what to do and when.
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Debt Strategy Engine
Avalanche, Snowball, or Smart Hybrid ordering with promo-rate deadline awareness and cascade chain visualization.
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9-Tier Allocation Waterfall
Every dollar of monthly surplus allocated optimally across minimums, matching, emergency fund, debt, and investments.
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Projection Engine
Month-by-month forward projections with compound interest, cascade effect, and automatic milestone detection.
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What-If Scenarios
Compare how a raise, bonus, or strategy switch shifts your debt-free date and total interest cost — side by side.
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Protection Strategy
Emergency fund tier analysis, STD vs. self-insure cost comparison, and LTD disability insurance recommendations.