Personal Project
Credit Payoff Planner
A command-line planner for paying down multiple credit cards. It validates each card's balance, limit, APR and minimum payment, then simulates payoff month by month under four scenarios: minimum payments only (the baseline), avalanche (highest APR first), snowball (smallest balance first) and highest balance first. A fixed monthly pool rolls every cleared card's payment into the next target. The result is a side-by-side report of months, interest, total paid and interest saved, with a payoff timeline, saved to a text file. Assumes no new charges.