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LEVEL Debt-Free Architect
Stop guessing. Run the math on your debt payoff strategy.
LEVEL: Debt-Free Architect is a 100% private visual debt planner. Compare Snowball/Avalanche against our proprietary Blitz method, which targets monthly interest cash bleed to save you money. Model windfalls and refinancing in the interactive simulator, custom-sequence loans by assigning priority order, and export a step-by-step PDF roadmap. No bank syncs, zero logins, and complete data privacy.
Hey Product Hunt! 👋
I'm the maker behind LEVEL: Debt-Free Architect.
💡 Why I built this:
A while back, I wanted to map out a clear debt payoff strategy. I realized I only had two options:
1. Hand over my sensitive bank login credentials to automated apps that scrape my data, track my purchases, and sell marketing info.
2. Build a massive, complex spreadsheet with nested formulas that takes hours to maintain and doesn't handle dynamic changes well.
I wanted something clean, highly visual, and above all, 100% private. So, I built LEVEL.
🚀 What makes LEVEL unique:
* The Blitz Method: Most tools force you to choose between Snowball (smallest balance first) and Avalanche (highest rate first). LEVEL features the Blitz method, which targets the accounts causing the highest monthly interest dollar bleed (Balance × APR). This plugs cash flow leaks first, saving you more money in less time.
* Zero Bank Syncs: All calculations run locally in your browser. No logins, no data tracking, completely private.
* Click-to-Sequence Priority: You can custom-order your debts simply by clicking them to assign priority (e.g., if you want to pay off a co-signed family loan first to clear personal tension), and see the exact interest cost or benefit instantly.
* What-If Simulator: Easily model one-off windfalls (like tax refunds), refinancing, or promotional interest rate expirations to see your new milestone dates.
* Visual Roadmap: A construction blueprint visualization where your monthly payments are bricks that solidify into place when you mark them paid.
I would love to hear your thoughts, feedback, or any feature requests you have! Let me know in the comments below. 👇
Thank you!
Manually ordering my loans by priority was way more satisfying than I expected, and seeing the Blitz method pull ahead of my usual avalanche plan in the simulator actually convinced me to switch.
Tried the Blitz method against my usual avalanche plan and was surprised it shaved a few months off without me changing payment amounts. The custom priority ordering plus no-login setup feels refreshing for a planner that actually wants you to think it through.
Tried the Blitz method on my own loans and the monthly interest savings projection was eye-opening compared to what I'd been doing with a spreadsheet. Love that nothing leaves my device.
How does the Blitz method actually decide which loan to prioritize, and is the resulting payoff order noticeably different from what Avalanche would produce on the same debts?
Love that there's no login or bank sync, finally a debt tool that takes privacy seriously. Played with the Blitz method and seeing the monthly interest savings laid out next to Snowball made it way easier to pick a strategy.
The custom loan sequencing you can drag into your own priority order is such a thoughtful touch—most planners force you into one rigid method. Love that the data stays local too.
About LEVEL Debt-Free Architect on Product Hunt
“Stop guessing. Run the math on your debt payoff strategy.”
LEVEL Debt-Free Architect was submitted on Product Hunt and earned 7 upvotes and 13 comments, placing #83 on the daily leaderboard. LEVEL: Debt-Free Architect is a 100% private visual debt planner. Compare Snowball/Avalanche against our proprietary Blitz method, which targets monthly interest cash bleed to save you money. Model windfalls and refinancing in the interactive simulator, custom-sequence loans by assigning priority order, and export a step-by-step PDF roadmap. No bank syncs, zero logins, and complete data privacy.
LEVEL Debt-Free Architect was featured in Web App (122.9k followers), Productivity (656.2k followers) and Personal Finance (2.9k followers) on Product Hunt. Together, these topics include over 186.6k products, making this a competitive space to launch in.
Who hunted LEVEL Debt-Free Architect?
LEVEL Debt-Free Architect was hunted by Alexandru Rusu. A “hunter” on Product Hunt is the community member who submits a product to the platform — uploading the images, the link, and tagging the makers behind it. Hunters typically write the first comment explaining why a product is worth attention, and their followers are notified the moment they post. Around 79% of featured launches on Product Hunt are self-hunted by their makers, but a well-known hunter still acts as a signal of quality to the rest of the community. See the full all-time top hunters leaderboard to discover who is shaping the Product Hunt ecosystem.
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Alexandru Rusu