debt-blitz-plannerlisted

# Debt Blitz Planner 💳→🔥 Compute **exactly when you will be debt-free** and which payoff order saves the most money. Turns a pile of minimum payments into a concrete month-by-month battle plan using real amortization math — not hand-waving. ## Overview The average household with credit card debt carries **over $7,000 at ~20%+ APR** and pays thousands in interest by just submitting minimums. The two famous strategies are: - **Avalanche**: pay minimums everywhere, throw every spare cent at the **highest APR** debt. Mathematically optimal — minimizes total interest. - **Snowball**: attack the **smallest balance** first. Costs slightly more interest but delivers quick wins that keep people motivated. Everyone asks "which is right for me?" — the honest answer is **run both and look at the numbers**: how many months and how many dollars actually separate them for *your* debts. Usually the gap is smaller than people assume, and seeing that is genuinely decision-changing. `scripts/debt_payoff_planner.py` implements a full month-by-month simulation: - Correct per-month interest accrual (`balance × APR / 12`) - **Freed-minimum cascading**: when a debt dies, its minimum is re-routed to the next target (the mechanism that makes these plans accelerate) - Extra-payment scenarios (`--extra 200`) and total monthly budget mode - Negative-amortization detection (your minimums don't even cover interest — flagged loudly with the minimum survivable payment) - Side-by-side comparison of a