Deb — smart debt management

Summary

Deb is a debt management product focused on clarity: how debt affects cash flow, which interest rates matter, and what payoff strategies are optimal for a user’s situation.

The problem

Debt tooling often overwhelms users with raw balances. The core experience should answer:

• “What can I safely spend?”
• “Which debt should I pay first, and why?”
• “How does this change month-to-month?”

Constraints

• Financial data is sensitive and needs careful handling
• Strategies must be explainable (trust matters)
• Categorization and payoff logic should be testable and deterministic

What I shipped

• Core primitives for debts, rates, and statement schedules
• Cash-flow-aware views that align with when credit card expenses actually hit
• Strategy scaffolding that supports multiple payoff methods with transparent rationale

Architecture (high level)

• A normalized domain model for accounts + liabilities
• Calculation layer separated from UI for correctness and testability
• A recommendation layer that produces “explainable” outputs (reasons + tradeoffs)

Outcomes

• A foundation for scaling strategy sophistication while keeping the user experience simple
• Improved ability to iterate on payoff recommendations without rewriting product flows