01Inputs
Normalize
Turn balances, APRs, minimums, dates, and payment cadence into one consistent debt model.
Built for consequential choices
A forecast people can trust—and your team can defend.
100%
Reproducible
Identical inputs and engine versions return identical schedules. No black-box variability.
1N
Comparable
Evaluate multiple strategies from one normalized scenario without introducing hidden differences.
DebtFold exposes the assumptions behind each result: what was paid, where it went, how interest accrued, and why a target came next.
Inside the engine
From a financial snapshot to a complete payoff path.
A clear four-stage pipeline keeps input handling, calculation, comparison, and explanation separate and testable.
02Ledger
Simulate
Accrue interest and apply payments month by month, including extra payments and rollover behavior.
03Scenarios
Compare
Run strategies from the same starting point and calculate the real difference in time and interest.
04Outputs
Explain
Return a traceable schedule, payoff order, summary metrics, and explicit edge states.
Capabilities
The mechanics are detailed. The result stays simple.
Model the behaviors that shape a real payoff plan without forcing customers to understand the machinery underneath.
Strategy modeling
Avalanche, snowball, minimum-only, and custom priority rules from a shared scenario.
Payment rollover
Redirect freed minimum payments as each balance reaches zero.
Flexible contributions
Model recurring extras and one-time payments without changing the underlying debt data.
Complete schedules
Return a month-by-month ledger of balances, interest, principal, and payments.
Edge-state detection
Identify negative amortization and plans that do not pay off within the forecast horizon.
Stable comparisons
The same inputs always produce the same outcome—ideal for testing, audit, and support.
Integration paths
Meet your product where it is.
Use the engine as an embedded calculation layer, a service behind your application, or the foundation for a branded debt-planning experience.
SDK / library
Embed the calculation layer directly in your product stack.
Lowest-latency experience
Hosted API
Send a scenario and receive normalized, versioned forecast results.
Fastest path to integration
Reference experience
Adapt the full input, comparison, and explanation flow to your brand.
Most complete starting point
Build a clearer debt experience
Let customers see what changes before they choose.
Tell us what you are building. We’ll walk through the engine, integration options, and an evaluation scenario using synthetic data.