AI Coach

A private planning interface for momentum coaching and practical next actions.

debtmo Coach

Local guidance now, server-side AI integration later.

Next best move: Medical Balance

Local next action guidance

Score 79

Your snowball plan points the next focused dollars at Medical Balance. You are tracking $35,950 in debt, $262 above minimums, and an estimated 42 months to debt freedom with $4,569 in interest.

Make Medical Balance the next focus payment.

Advance one active challenge before adding a new task.

Find one low-effort opportunity before increasing fixed commitments.

Projection

At $100/mo in extra principal, the scenario saves 4 months and $539 in interest.

Boundary

Local coach output is planning guidance, not legal, tax, credit, or financial advice.

Coach context

Local inputs used to shape the guidance.

Focus debt

Medical Balance

$1,320 at 0%

Debt-free estimate

November 2029

42 months remaining

Captured opportunities

Monthly scanner impact

Challenge wins

Completed, not yet applied

Monthly debt budget

$965

$703 minimums

Suggested prompts

AI security boundary

Production AI calls should run server-side after auth, minimize debt context, and avoid logging prompts.