Engine Reference V2Live Production Spec

App Usage & Strategy Guide

A transparent mechanical lookup detailing the sorting metrics, behavioral paradigms, and predictive simulation calculators tracking your real-time liquidation data.

Method 1Math-First

Debt Avalanche

The objective mathematical champion. This routing scheme algorithmically targets liabilities carrying the highest Annual Percentage Rate (APR) first, keeping small balances running on minimum payments until the target apex node is wiped out.

Sorting Execution Matrix:

Priority = Max(APR) → Sort: (b.interest - a.interest)

⚡ Key Core Metric: Minimizes long-term lifetime interest expenditure.

Method 2Behavior-First

Debt Snowball

The psychological performance champion. This strategy drops the interest rate entirely out of the sorting queue and ranks structural balances from lowest to highest, crushing low-principal lines to clear up rapid psychological wins.

Sorting Execution Matrix:

Priority = Min(Balance) → Sort: (a.balance - b.balance)

🎉 Key Core Metric: Maximizes momentum by reducing absolute account headcounts.

Predictive Payoff Simulation Engine

How the PayoffPlansPage loop structures forecasting computations:

1. Weighted Interest Real-Time Tracking

Instead of simple mathematical means, your live pipeline calculates an aggregate weighted average across all active account balances to drive the timeline while-loop:

Weighted Interest = Sum(Balance * Interest) / Sum(Balance)

2. Terminal Underpayment Safety Lock

When operating inside **Target Payment Mode**, if the user-defined baseline payment falls below the monthly compound interest accrual, the system blocks the calculation array to prevent execution runtime crashes:

Target Payment ≤ Total Debt * (Weighted Interest / 12 / 100)

Dashboard Formula System

The arithmetic logic rules calculating your real-time visual cards:

Individual Card Progress Ratio

Measures the precise chunk of principal capital cleared out on a specific account:

Progress % = ((Limit - Balance) / Limit) * 100

Aggregated Portfolio Freedom Index

Powers the master neon radial dial resting on your left side panel bar:

Total Progress % = ((Sum of Limits - Sum of Balances) / Sum of Limits) * 100

Amortized Payment Formulation (Target Date Mode)

The math calculating the required monthly injection balance to hit full liquidation within periods:

Required Payment = Debt * (r * (1 + r)^n) / ((1 + r)^n - 1)

Where: Debt = Total Debt Principal, r = Monthly Interest Rate (AvgInterestRate / 12 / 100), and n = Target Months Remaining.