Debt Hero

# Debt Hero

A gamified desktop dashboard that turns paying off debt into a quest. Track your debts, compare payoff strategies, log payments, and watch your progress with XP, badges, and a countdown to debt freedom.

## Features

- **Track multiple debts** — credit cards, car loans, student loans, mortgages

- **Avalanche vs Snowball strategies** — compare which saves you more money and auto-apply

- **Payment logging** — log real payments and watch balances drop in real time

- **Extra payment slider** — see exactly how much interest you save with extra payments

- **Amortization tables** — month-by-month breakdown with principal vs interest graphs

- **XP & Badges** — earn achievements for milestones like paying off debts, login streaks, and saving interest

- **Debt-free countdown** — see exactly when you'll be debt-free

- **Visual dashboards** — debt breakdown, monthly payments, total cost of debt, payoff timeline

- **Export reports** — generate printable HTML reports of your progress

- **Encrypted local storage** — your financial data is AES-encrypted and never leaves your computer

## How It Works

1. Add your debts (balance, APR, monthly payment)

2. Set extra payments to see how much interest you can defeat

3. Log payments as you make them

4. Earn badges and XP as you progress

5. Celebrate when you hit $0!

## Privacy

Debt Hero is 100% local. No accounts, no cloud, no tracking. Your data is encrypted with Windows DPAPI and stored only on your machine.

## System Requirements

- Windows 10 or later

- No installation required — just run the exe