Compare the whole debt system
Enter each current balance, rate, minimum-payment rule, promotional deadline, and known future rate. The workspace compares highest-APR, smallest-balance, cash-flow-release, promotional-deadline, and urgent-risk strategies without pretending that one rule fits every household.
Protect liquidity before accelerating
Set a reserve floor and monthly debt budget. When the reserve is below its floor, the model continues required minimums but pauses extra payments. If the monthly budget cannot cover the modeled minimums, the result says so instead of inventing a payoff plan.
Stress-test and preserve the decision record
Reduce the available monthly budget or raise APR assumptions to see how a selected path changes. Export a local JSON decision record, import it later, or print the comparison. The export is created on the device and is not uploaded to Nortune.
Method and limitations
The engine uses monthly interest at APR divided by twelve, pays modeled minimums first, then applies and rolls forward the remaining budget according to the selected strategy. Actual issuers and lenders can use different daily-balance, compounding, allocation, fee, statement, and rounding rules. Confirm current statements and contracts before acting.
