Claude to compare debt payoff simulations

An author revived an older debt-payoff project with Claude Code and published the resulting debt.ski simulator. The concrete problem was comparing repayment plans when balances have different rates or promotional periods, rather than treating every loan as one fixed-rate balance.

In the author's replies, the conventional avalanche approach supplies a starting point. The program then tries thousands of randomized payment variations and keeps better results it finds. Promotional-rate expiries and multiple rate segments within a balance make those comparisons more complicated than sorting accounts by today's interest rate.

The interface lets a user compare the avalanche plan with the project's alternative and edit balance-transfer details. This is a working simulation tool reported by its builder, not a record that the author paid off a particular debt or saved a stated amount in a bank account.

The replies also separate implemented work from future ideas. An investment comparison was discussed, but that algorithm was not yet integrated. A sample saving discussed in the thread was modeled, not realized. Nor does finding a better simulated schedule prove a globally optimal solution for every possible loan arrangement. The reusable artifact is the comparison itself: changing assumptions exposes how rates and promotional deadlines affect the modeled repayment path.

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Source: www.reddit.com · u/imanateater