Real screens from the working app. Swipe.
Everyone in debt has built the spreadsheet once. Almost nobody opens it again, because it takes twenty minutes to update and it only ever tells you the same bad news.
This turns the same maths into something you check like a scoreboard: one net worth number, the date it crosses zero, and what any extra dollar does to that date.
What you owe against what you own, in one number that moves every payday.
Switch the strategy and watch the debt-free date move, so the trade-off is visible instead of theoretical.
A raise, a bonus, a paid-off card. Drop it in and see the ten-year picture change.
The month investing starts outrunning the debt, which is the whole point of the plan.