Debt payoff strategies with timeline visualization

Hi Waypoint,

• It’s fixed on my end as well. Everything looks synced and updates in real time.

• Good call about full budget allocation. I didn’t connect the dots at first, but it makes sense since that’s my case.

• The plan works as intended.

With these customizations and visibility improvements, the Goals page looks like a supercharged dashboard for financial independence. Thanks for bringing it to life so quickly and cleanly :)

Hey @TiPoev,

Glad to hear we are on the right track :)

- This should be fixed now. Do you mind trying again. I tried to edit the contribution amount by clicking on a debt goal and it updated for me. Example below:

Updated to 150 from 100, not sure if you did some extra steps?

• You don’t see the You have ~$x unallocated in your budget” message anymore because you’ve probably done a really good job of matching your budget to your set income so there is no leftover :) It only shows for anyone with any space leftover in your budget. Could you confirm from your budget page if that’s the case or not?

• Great thinking on this. That's actually exactly how the plan works now! When a plan is active:

  1. The higher of your Monthly Minimum or Monthly Contribution Target is used as the base payment for each debt

  2. Any Extra Monthly Payment goes entirely to the Focus debt

  3. When a debt is paid off, its full payment cascades to the next one in your priority order

  So the plan does take over the allocation logic, the individual debt cards now show strategy-aware numbers (payment amounts, payoff dates, charts) that reflect the plan's cascade math rather than standalone projections.
  
  Let me know if all this makes sense?

Hey Jamal,

It’s looking smarter!

A couple more improvements I’m seeing:

Pre-plan activation

• There seems to be a bug with the Monthly Contribution Target fields. I’m trying to update them, but after clicking Update Goal, the Monthly Target and Estimated Payoff displayed on the individual debt cards don’t actually update. Additionally, after refreshing the page, these fields in the Edit Debt Goal pop-up revert to their original amounts.

• The “You have ~$x unallocated in your budget” message under the Extra Monthly Payment field no longer appears. Is that intentional? I think it’s useful to quickly see how much unallocated budget is available to add in the Payoff Plan.

Post-plan activation

• Once the plan is turned on, it might make sense to sync Monthly Minimums, Extra Monthly Payment (if any), and Monthly Contribution Targets to work together to calculate the Debt-free by, This month, pay, and Estimated Payoff projections, rather than relying on individual Monthly Contribution Targets.

  
  My thinking is that once a plan is active, it could take over the logic:

  1. All Monthly Minimums are prioritized across every debt

  2. Any Extra Monthly Payment goes toward the “Focus” debt

  3. Any remaining amount rolls over to the next item in the Priority Order

  In this scenario, once it's enabled, the plan overrides the Monthly Contribution Target set individually for each debt, since the allocation is now driven by plan logic.

I'm unsure if this is an edge case or if it might make sense to most people interested in using Payoff Plans - let me know.

Hey @TiPoev

Glad to hear you liked the extra additions. I thought it would be helpful for someone that isn’t familiar with the various debt payoff strategies and won’t know how to decide so I tried to guide them as much as I can.

In terms of your flags though:

1. There was a bug where semi-monthly budget items were being counted at half their actual monthly cost. This is now fixed.

2. Good flag, I didn’t even realize this would be confusing, the debt cards themselves for individual goals should reflect the updated plan amounts and timelines now.

Could you take a look again and see if it’s smarter now ;) Happy to know if there is still room for improvements btw so don’t hesitate if something is still looking broken or I might’ve missed.

This is excellent.

A few points I appreciate about the plan:

• “Switching to [x method] would save $y more in interest.” It’s good to see exactly how much each method saves. For example, it helps determine if the savings from the avalanche method outweigh the motivational/psychological benefits of the snowball method.

• The “Focus” tag next to the prioritized debt is a nice touch.

A couple of things that could add accuracy:

• I see “You have ~$x unallocated in your budget” under the Extra Monthly Payment, suggesting an extra amount to pay on top of the minimum to attack the “Focus” debt more quickly. I’m curious about how that is calculated, since it doesn’t match my current budget.

• Once the plan is activated, the overview is spot-on, but it seems like the dedicated cards for each debt stay on their individual timelines (no payment rollover).

Thank you for making it happen so quickly - it’s so good already :)

Hey @TiPoev

This just shipped! You can now set up a debt payoff plan directly from the Goals page. Here's what's included:

  - Avalanche, Snowball, and Custom Order strategies: pick what works for your case

  - Prioritized repayment flow: your focus debt gets all the extra payments while others stay at minimum, and payments roll forward as each debt clears

  - Unified timeline: One chart showing when each debt gets paid off and how much interest you'll save

  - Monthly action plan: tells you exactly what to pay to each debt this month

  - Smart suggestions: recommends which strategy saves you more, and suggests extra payment amounts based on your budget

It's fully optional btw, your existing debt goals work exactly the same if you don't set up a plan. You can turn it on or off anytime.

I’m going to make an official announcement later this week on Sunday so I would love if you can test it out and let me know if we missed anything :)

Best,
Jamal