OPTIMISATION ENGINE

The Debt Crusher

Target the most expensive debt first. The avalanche method, automated — with optional employer matching.

The mathematics of debt elimination

Instead of paying minimums on everything, the engine identifies which debt costs the most per day (highest APR multiplied by balance) and directs all surplus there. When it's gone, the engine auto-redirects to the next.

Employer matching: Some employers offer debt matching — contributing a percentage of the employee's debt payments. It's the new pension.

Total Debt

£6,000

Monthly Surplus Available

£150/mo

Credit Card A

£1,000 @ 29% APR

Leak rate

£0.79/day

PRIORITY 1 — HIGHEST COST£150/mo directed here

Personal Loan B

£5,000 @ 5% APR

Leak rate

£0.68/day

PRIORITY 2Minimum only

£150/mo surplus directed to Credit Card A (highest leak rate)

Projection

Credit Card eliminated in 7 months

Then all £150/mo redirects to Loan B

Employer Matching

TechCorp matches 20% → £150 + £30 = £180/mo total impact

Technical Specification

Method: Avalanche (highest APR first)
Formula: daily_leak = balance × (APR / 100) / 365
Rebalancing: Automatic when debt is paid off
Employer matching: Optional employer contribution
Minimum payments: Always maintained on all debts
Surplus: Directed to highest-leak debt
Projection: Monte Carlo forecast with confidence interval
Notification: Milestone alerts (50%, 75%, debt-free)

debt-crusher-mobile.pngMobile app showing debt prioritisation with progress bars

debt-crusher-projection.pngDebt freedom timeline projection chart showing months to payoff

API Endpoints

POST/api/v1/debt/planCreate debt plan

POST/api/v1/debt/simulateSimulate payoff timeline

GET/api/v1/debt/progressTrack progress

View full API reference →

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