📌 OptiDebt — Smart Debt Repayment Planner

OptiDebt is a personal finance tool designed to help individuals pay off their debts faster and smarter. Instead of simply tracking expenses, OptiDebt calculates the optimal repayment distribution across multiple debts to minimize total interest and reduce repayment time.

It empowers users to visualize debt progress, compare repayment strategies (Snowball vs Avalanche vs LP optimization), and follow a personalized payoff plan.

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✨ Key Features

Feature	Description
💰 Smart Repayment Planner	Calculates best repayment allocation within a fixed budget
📊 Interactive Dashboard	Charts, timeline, progress bars & payoff visualization
⚖️ Multiple Repayment Strategies	Snowball, Avalanche, and Linear Programming
📈 Interest & Duration Insights	Shows total savings and debt-free timeline
🎯 Financial Motivation	Milestones & visual progress tracking

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🧠 Debt Repayment Strategies Used

✅ Snowball Method (Motivation-First)

• Focus on smallest debt first
• Quick wins → boosts motivation

✅ Avalanche Method (Cost-First)

• Target highest interest rate first
• Saves maximum money long-term

✅ Linear Programming (Optimization-First)

• Uses mathematical optimization to minimize interest
• Considers:
  • Total monthly budget
  • Minimum payment requirements
  • Remaining balances

Implemented using Python (PuLP) or can be simulated logically in JS rules.

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🛠️ Tech Stack

Category	Tools
Frontend	HTML, CSS, JavaScript
Optimization Engine	Python (PuLP / SciPy — optional)
Data Handling	LocalStorage / JSON
Visualization	Chart.js / D3.js
Deployment	GitHub Pages / Browser

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📂 Project Structure

OptiDebt/
├── README.md
├── index.html
├── vite-config.ts                   
├── public/                 
└── src/                    
    ├── components/         
    │   ├── ui/             
    │   ├── DebtAmortizationChart.tsx
    │   ├── DebtForm.tsx
    │   ├── Footer.tsx
    │   ├── ... (other chart components)
    │   └── StrategySelector.tsx
    ├── hooks/              
    ├── lib/                
    ├── pages/              
    ├── types/              
    ├── App.tsx             
    ├── main.tsx
    └── App.css

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🚀 How to Run

✅ Frontend Mode (Default)

1. Download the project / git clone
2. Open index.html in a browser
3. Enter debts, budget & view repayment suggestions
4. In terminal, type npm run dev

✅ Run LP Optimization Script (Optional)

pip install pulp
python optimization/lp_model.py

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📸 Screenshots & UI Preview

Dashboard	Repayment Planner	Charts

🎥 Demo Video (Optional)

📎 Video here

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📊 Sample Output Example

Optimal monthly repayment plan:
Debt A: ₹4200  
Debt B: ₹3500  
Debt C: ₹2300  
Total Interest Saved: ₹11,800  

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🌟 Future Enhancements

• Mobile app version (React Native)
• Bank SMS / statement auto-sync
• Payment reminders system
• Voice-based assistant for financial guidance

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💡 Why OptiDebt?

Debt repayment apps usually just track your loans.
OptiDebt plans and optimizes them, giving:

✅ Faster payoff
✅ Lower interest cost
✅ Motivation + smart visualization
✅ Beginner-friendly personal finance tool

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👤 Author

Knight Rider
📍 India

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📝 License

MIT License — Feel free to use and improve with credit :)

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📁 Add Screenshots Here

Inside /assets/screenshots/ folder, add files like:

dashboard.png
add_debt_form.png
charts.png
comparison_view.png
results_summary.png

Use them in README like:

![Dashboard](assets/screenshots/dashboard.png)

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Happy Coding ✨
Feel free to ⭐ the repo if you like it!