[fifthofhisname]

*Incredible* product. I signed up for the monthly membership and, if all goes well, I will likely stick around or buy the lifetime membership.

I currently use Undebt It[0] to manage my debts. It supports all kinds of debt payment plans like snowball, avalanche, cash flow index[1], etc. One feature I love is the "extra debt payment" that basically throws an addition X dollars at the highest interest debt (or whatever debt is prioritized by the selected repayment plan). When that debt is paid off, the amount rolls over to the next debt on the list. This helps a person to pay off debts faster and reduce total interest paid across the lifetime of the debt(s). For a family with a few credit cards, a car payment or two, and a mortgage this can save them tens of thousands of dollars.

Three suggestions:

1. Create an "extra debt payment" feature that goes towards my prioritized debt(s). This amount is in excess of the total minimum payment amounts. It could be towards the highest interest rate, lowest balance, split across all accounts, etc. When a debt is zeroed out the payment automatically adjusts to target the remaining debt(s). Example: two debts, each of $500/mo and an additional $100 "extra" per month for a total outflow of $1100/mo. When the first $500/mo is paid off then new outflow is $600/mo.

2. For each debt "account" add an option to "roll over" the monthly payment when the debt is paid off. This amount would then target the next prioritized debt amount. Example: two debts, each of $500/mo for a total outflow of $1000/mo. When the first $500/mo is paid off the "extra" $500/mo targets the second debt, for an unchanged outflow of $1000/mo.

Combining #1 and #2 example: two debts, each of $500/mo and an "extra" payment of $100/mo for a total outflow of $1100/mo. When the first $500/mo is paid off the "paid off" $500/mo targets the second debt (as well as the "extra" $100/mo), for an unchanged outflow of $1100/mo.

3. Stack the icons on the chart. The vertical scaling of the chart is wonky when adding a 10+ items all in the same year - this makes the chart seem squashed and difficult to parse.

Again - GREAT work. Definitely sent this to a few friends. If you don't respond I will shoot you an email in a few days. I'm sure you're very busy with the new release. Good luck!

[0] https://undebt.it/ [1] https://undebt.it/blog/cash-flow-index-cfi-debt-payoff-metho...

[scubakid]

Thanks for the thoughtful response! And sure, feel free to continue the conversation over email if you like.

Currently, when you create a debt item or financed asset "X", there should be an "Extra X Payments" financial goal automatically generated, which you can click and drag higher up the list if you care more about allocating extra available yearly income towards that than certain other priorities. Is this feature working for you currently? And how close does it come to addressing / approximating your use cases above?