01 · Stack
Balance Stack from US archetypes
Drop in revolving cards, store cards, personal loans, medical plans, expiring 0% promos, or BT remainders—then dial APR, minimum formula, due-day offset, and deferred-interest flags.
Offline multi-balance payoff lab
ClearStrike Payoff Lab
Stack every card, loan, and medical plan against your real paydays—then reverse-schedule exact extra-payment strikes until the balances hit zero.
Decisive gold-strike precision—amortize on device, strike on payday, freeze every zero-balance milestone.
A concrete path to zero—not another budget diary.
ClearStrike Payoff Lab is an offline-first multi-balance payoff lab for people juggling revolving cards, store cards, personal loans, and medical payment plans who need a concrete path to zero—not another budget diary. You build each balance with APR, minimum-payment rule, due-day offset, and optional promo-APR windows; pick snowball, avalanche, payment-burden, or a custom drag-to-rank order; and the lab amortizes every cycle to your pay cadence. It reverse-schedules the exact extra dollars each payday, charts interest drag versus a minimum-only baseline, and flags deferred-interest promos before they convert. One-tap coin-and-lightning strikes apply planned extras with haptics, freeze zero-balance milestones, and feed an on-time streak—no accounts, no cloud, no gambling mechanics. Seeded US archetypes and a full sample plan make the math live on minute one.
Built for the stack
Credit cards, store cards, personal loans, medical plans, expiring 0% windows, and BT remainders—amortized against your real paydays.
Inside the strike board
Strategy studio · payday calendar · promo risk
Lab capabilities
Everything you need to reverse-schedule extra-payment strikes until the stack hits zero—on device from minute one.
02 · Compare
Strategy Studio, side-by-side
Compare minimum-only, snowball, avalanche, highest-payment-burden, and custom rank instantly—months-to-clear, total interest, and first zero-date on Swift Charts.
03 · Cadence
Payday-synced strike calendar
Set weekly, biweekly, semi-monthly, or monthly cadence plus a sustainable extra; the lab reverse-schedules which balance gets every future strike dollar.
04 · Action
Coin-and-lightning Payoff Strikes
One tap applies the planned extra (or a windfall top-up), advances the schedule, flashes a bolt when a balance or the stack clears, and grows an on-time streak—habit only, no rewards store.
05 · Guardrails
Promo & Risk Board
Surface expiring 0% windows, deferred-interest exposure, and rate-hike what-ifs; re-optimize so at-risk promo balances jump the queue before conversion.
06 · Share
What-If Lab + household PDF packet
Pause extras, test windfalls, or simulate APR shifts without touching the live plan; export strategy summary, next six strikes, and interest-saved callout for partner accountability.
Seeded US balance archetypes and full working amortization make the product useful before you type a single account number.
Illustrative marketing figures; not App Store metrics.