ClearStrike Payoff Lab
ClearStrike Payoff Lab
ClearStrike Payoff Lab is an offline-first multi-balance payoff strategy lab for people carrying credit cards, store cards, personal loans, and medical payment plans who want a concrete path to zero—not a budget shell or expense diary. You assemble each balance with APR, minimum-payment rule, and optional promo-APR windows; choose snowball, avalanche, payment-burden, or a custom drag-to-rank order; and the lab amortizes every cycle against your real pay cadence. It reverse-schedules exact extra-payment “strikes,” shows interest drag versus a minimum-only baseline, and warns when a deferred-interest promo is about to convert. Applying a planned extra is a deliberate one-tap coin-and-lightning strike with haptics that advances the schedule, freezes a zero-balance milestone, and feeds an on-time strike streak. Seeded US balance archetypes, full working amortization, scenario what-ifs, home-screen widgets, and a household PDF packet make the product useful on minute one with no accounts, no cloud, and no gambling mechanics.
About ClearStrike Payoff Lab
ClearStrike Payoff Lab is an offline-first multi-balance payoff strategy lab for people carrying credit cards, store cards, personal loans, and medical payment plans who want a concrete path to zero—not a budget shell or expense diary. You assemble each balance with APR, minimum-payment rule, and optional promo-APR windows; choose snowball, avalanche, payment-burden, or a custom drag-to-rank order; and the lab amortizes every cycle against your real pay cadence. It reverse-schedules exact extra-payment “strikes,” shows interest drag versus a minimum-only baseline, and warns when a deferred-interest promo is about to convert. Applying a planned extra is a deliberate one-tap coin-and-lightning strike with haptics that advances the schedule, freezes a zero-balance milestone, and feeds an on-time strike streak. Seeded US balance archetypes, full working amortization, scenario what-ifs, home-screen widgets, and a household PDF packet make the product useful on minute one with no accounts, no cloud, and no gambling mechanics.
Screenshots
ClearStrike Payoff Lab on iPhone and iPad.
Highlights
Build a Balance Stack from rich seeded US archet…
Build a Balance Stack from rich seeded US archetypes (revolving card, store card, personal loan, medical plan, 0% promo expiring, balance-transfer remainder); enter balance, APR, minimum formula (percent-of-balance floor, fixed floor, or custom), due-day offset, and optional promo end date with deferred-interest flag.
Run Strategy Studio side-by-side: minimum-only b…
Run Strategy Studio side-by-side: minimum-only baseline vs snowball (smallest balance first) vs avalanche (highest APR first) vs highest-payment-burden vs fully custom drag-to-rank; instantly compare months-to-clear, total interest, and first zero-balance date with Swift Charts.
Set Pay Cadence (weekly, biweekly, semi-monthly,…
Set Pay Cadence (weekly, biweekly, semi-monthly, monthly), paycheck anchor dates, and a sustainable extra-per-paycheck amount; the lab reverse-schedules every future strike so each payday shows the exact extra dollars and which balance receives them under the active strategy.
Open the Amortization Timeline to scrub cycle-by…
Open the Amortization Timeline to scrub cycle-by-cycle principal vs interest split, remaining stack total, and cumulative interest saved versus the minimum-only path; pin the projected free-date on a glanceable header.
Execute a planned extra with a one-tap coin-and-…
Execute a planned extra with a one-tap coin-and-lightning Payoff Strike (haptics): apply the scheduled amount, optionally add a one-time windfall top-up, advance the plan, and flash a bolt milestone when any single balance or the whole stack reaches zero; on-time strikes feed a visible streak chip (habit reinforcement only—no rewards store).
Use the Promo & Risk Board to surface expiring 0…
Use the Promo & Risk Board to surface expiring 0% windows, deferred-interest exposure if the promo balance is not cleared in time, and rate-hike what-ifs; one tap re-optimizes priority so at-risk promo balances can jump the queue before conversion.
Privacy first
ClearStrike Payoff Lab does not collect personal data — everything stays on your device, with no third-party tracking or advertising SDKs. Read the full Privacy Policy.
Support
Questions or feedback? Visit Support or email benedekzsolt41@gmail.com.