HOW IT WORKS

What: Days until your last debt is gone, at your current pace.

Formula: The longest payoff among your debts (you're only free when the slowest one clears).

Example: Slowest debt needs 176 days -> shows 176, even if others finish sooner.

What: The calendar date that last debt is paid off.

Formula: Today + Future Time Remaining.

Example: 176 days from today -> around December 14.

What: Your debt measured in work, not money.

Formula: Debt / pay-per-day (a day = monthly income / your time basis, 22 or 30; an hour = that / 8).

Example: $1,556,000.00 / $60,000.00 = 25 workdays and 7.5 hours.

What: Are you winning or losing ground this cycle? (direction only)

Formula: Paid toward debt - new debt taken on.

Example: Paid $80,000.00, borrowed $30,000.00 -> +$50,000.00 -> Positive.

What: Days left in this pay cycle.

Formula: Days from today to your next payday.

Example: Today the 20th, payday the 30th -> 10.

What: Spending money left this cycle.

Formula: Income + carryover - everything spent or paid.

Example: $1,320,000.00 in, $920,000.00 out -> $400,000.00 left.

What: What you can spend per day and still reach payday.

Formula: Cash Left / days until payday.

Example: $400,000.00 / 10 days = $40,000.00 a day.

What: Cash spent and new debt added this cycle, in real money.

Formula: White line = cash spending stacked up; red line = new debt stacked up. No percentages.

Example: Spend $100,000.00 -> white line hits $100,000.00; borrow $50,000.00 -> red line hits $50,000.00.

What: How much of this year goes to debt versus stays free.

Formula: The year split into elapsed, projected in-debt (to your Freedom Date), and projected liquid.

Example: 47% elapsed, 48% still in debt, 5% liquid.

What: A no-guilt log of moments that pushed your Freedom Date back.

Formula: One entry per new debt, plus one per fixed cost left unpaid at cycle close.

Example: A $200,000.00 purchase + one unpaid bill -> 2 setbacks.

What: Debts you've killed, kept as proof.

Formula: Archived at a 0 balance, storing its original size and the time it cost you.

Example: A $300,000.00 debt paid off -> 5 workdays recovered.

What: When one specific debt hits zero.

Formula: That debt's balance / its monthly payment.

Example: $120,000.00 left, $20,000.00 a month -> about 180 days.

What: How big a transaction was next to your income.

Formula: Amount / monthly income.

Example: $50,000.00 / $1,320,000.00 -> about 4%.