Debt Payoff Copilot

Debt Payoff Copilot is a clean, offline tool to compare three strategies:

- Normal: Pay minimums and see overall cost and timeline;
- Avalanche: Prioritize highest APR to minimize interest paid;
- Snowball: Prioritize smallest balance to build momentum and finish faster.

Highlights:
- Side-by-side results: months to payoff, total interest, and total payment;
- Smart recommendation (NSAttributedString) tailored to your data;
- Friendly input UX: keyboard-safe fields that auto-scroll into view;
- Clear validation: prevents saving invalid data (e.g., payment below monthly interest);
- Local computation, privacy-friendly: no data collection, works offline.

Notes:
- This app does not provide financial or legal advice;
- Keep your balances/APRs updated monthly for best accuracy.