Debt Payoff Planner
Personalized debt repayment strategy and progress tracking.
Picks a payoff order and sticks to it: avalanche for the maths, snowball for the morale, and the honest difference between them in months and money. It plans and tracks; it never takes payments.
What a v1 does5 features
- Every debt in one list with rate, balance and minimum
- Avalanche and snowball compared in months and total interest
- A payment plan sized to what is actually spare
- Progress shown as debt-free date, not as a percentage
- Windfalls modelled - what a bonus takes off the end
The market
Debt tooling has historically earned through refinance and card referrals rather than subscription. Rocket Money reports 10M members and $880M saved. At $8 a month, a subscription has to justify itself against that.
Where these numbers come from
| Company | Earns | Reach | Source |
|---|---|---|---|
| Credit Karma | $649M revenue, FY2025 | 130M members | Intuit segment reporting |
| Rocket Money | $880M+ saved for members | 10M+ members | Company-stated, 2025 |
| YNAB | $109 a year | ~1.4M monthly active users | Published pricing, 2026 |
Why this audience
Debt is a core subject here and the audience has absorbed the avalanche-versus-snowball argument. What they lack is their own plan with their own balances and a date at the end. The education has landed; the arithmetic has not.
Before it can launch
- Planning a payoff is unregulated. Taking a payment and distributing it to creditors is debt adjusting, licensed state by state
What it earns
Drag me Every figure recalculates as you go.
0.0091% of 11M followers · capped at 50,000
Opens on the price this idea was costed at, $8.
1,000 paying — 0.0091% of 11M followers — × $8 a month = $8,000 a month
Fifty thousand paying users is the ceiling every one of these pages is drawn against, not a forecast. It opens at a thousand, the bottom of the range, so the first figures you see are the modest ones. What the cap buys is comparability: the same range on every app, and the percentage of the audience it takes as the number that moves.
Is this the one for your audience?
We fund it, build it, and run it. You bring the audience and take a share of the revenue. Nothing to pay and nothing to build.
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