{"repo":"Aparajith24/better-debt","free":true,"listed":false,"github":"https://github.com/Aparajith24/better-debt","clone":"git clone https://github.com/Aparajith24/better-debt.git","description":"A debt payoff planner and pre-signing decision tool","language":"TypeScript","stars":12,"topics":["debt","finance","fintech","loan-calculator","nextjs","ocr"],"license":null,"category":"media-processing","readme_excerpt":"💸 Better Debt Real numbers instead of debt folklore — and a check before you sign anything new. A debt payoff planner — and a debt decision tool. Track your debts, compare avalanche vs. snowball strategies, and see real numbers instead of folklore: flat-rate loans normalized to their true APR, what a lump-sum prepayment is actually worth, whether a balance transfer is worth its fee. And, before you sign anything new: upload the offer PDF, get its true cost and a red-flag list, and find out whether you can actually afford it. Why Most \"debt calculators\" take the number a lender quotes you at face value. The numbers lenders quote and the numbers that determine what you actually pay are frequently not the same number: What a lender shows you What it actually means What this app shows instead --- --- --- \"18% flat rate\" 1.7-2x higher as an actual APR — flat rate charges interest on the original amount for the whole tenure, not the declining balance The true reducing-balance APR, computed, not estimated \"0% EMI\" Often has a processing fee baked in that makes it non-zero-cost True APR with every upfront fee folded in \"3% balance transfer fee, 0% for 12 months\" The fee has to be earned back before the transfer is actually a win The exact month you break even, and the net savings after that A loan offer PDF Terms scattered across pages of legal text Extracted terms, a true-APR tier, and a plain-language red-flag list \"You qualify for this loan\" Qualifying and being able to comfortab","default_branch":null,"files":null,"tree":[],"storefront":"/r/Aparajith24","claimed":false,"request_supported":{"post":"https://gitbuyer.com/r/Aparajith24/better-debt/request-supported","requests":0},"note":"indexed from public GitHub; nothing is for sale on this page. Clone it from GitHub. Paid listings live at /search."}