# LEVEL: Debt-Free Architect

> A personalized debt-payoff visualizer and simulator designed to help users calculate, optimize, and execute their roadmap to financial freedom.

## Overview
LEVEL: Debt-Free Architect (available at [debtfreearchitect.com](https://debtfreearchitect.com)) helps individuals accelerate their debt payoff journey. It supports traditional payoff strategies (Snowball, Avalanche) and features a proprietary, adaptive strategy called **Dynamic Blitz**, which optimizes monthly payments to target the debt costing the most actual interest dollars.

## Core Features
- **Onboarding Form & Wizard**: Allows inputting debts with balance, interest rate, and minimum monthly payment.
- **Interactive Dashboard**: Summarizes total debt, active monthly payments, projected debt-free dates, and calculated interest savings.
- **What-If Simulator**: Interactive inputs to simulate how adding extra payments accelerates debt payoff and increases savings.
- **Adaptive Payoff Strategies**:
  - *Dynamic Blitz* (Recommended): Target the loan costing the most in actual interest dollars this month.
  - *Debt Avalanche*: Target the highest interest rate first.
  - *Debt Snowball*: Target the lowest balance first.
- **Visual Roadmap**: A 12-month blueprint where monthly payments are displayed as "bricks" that can be marked "Built" (confirmed paid) or "Reinforced" (extra payment made).
- **PDF Export**: Export the 12-month visual roadmap as a printable PDF.

## Public Pages
- [Homepage](https://debtfreearchitect.com/): Product overview, onboarding forms, and setup launch links.
- [Privacy Policy](https://debtfreearchitect.com/privacy): Data collection, encryption, and privacy rules.
- [Terms of Service](https://debtfreearchitect.com/terms): Terms of use, rules, and licensing.

## Private Application Routes (Authenticated)
- [/wizard](https://debtfreearchitect.com/wizard): Step-by-step setup wizard to input debts.
- [/dashboard](https://debtfreearchitect.com/dashboard): The primary control center with total summaries, strategy selector, and what-if simulator.
- [/roadmap](https://debtfreearchitect.com/roadmap): The 12-month interactive blueprint visualization.
- [/profile](https://debtfreearchitect.com/profile): User settings, authentication, and subscription options.