Debt Payoff Tracker & Savings Planner | Interactive Wealth Builder App | Debt Snowball Avalanche Calculator | Financial Wellness Tool

🦋 RADIANT WEALTH BUILDER™ Rooted in truth. Radiant in growth. Building wealth isn't about perfection—it's about practicing small, consistent actions that create lasting stability. This interactive tool helps you track your debts, save for what matters, and reflect on your relationship with money. No spreadsheet formulas. No app subscriptions. Just clarity. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

🦋 WHAT MAKES THIS DIFFERENT ✦ Pattern-Based Guidance — See what your numbers reveal, not what you "should" do. Your choices remain yours. ✦ Numbers + Reflection — Interactive journaling alongside calculators. Money is emotional—this tool honors that. ✦ Built for Continuity — Monthly check-ins keep projections meaningful and help you stay connected to your progress. ✦ Works Offline — No internet required after download. Your data stays on your device, always. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

🦋 WHAT'S INCLUDED DEBT BUILDER • Add unlimited debts with balances, APR, and minimum payments • Choose Avalanche (highest interest first) or Snowball (lowest balance first) • See month-by-month payoff projections with power payments • Compare methods side-by-side • Pattern insights that highlight what your numbers show SINKING FUNDS BUILDER • Track multiple savings goals with target dates • See suggested monthly contributions • Progress tracking with on-track/behind/ahead status 6 INTERACTIVE CALCULATORS • Radiant Debt Path Compare™ — Avalanche vs. Snowball comparison • Radiant Emergency Fund Builder™ — Target and track your safety net • Radiant Extra Payment Impact™ — See how $25, $50, or $100 extra changes everything • Radiant Monthly Wealth View™ — Cash flow allocator with visual breakdowns • Radiant Spending Flex Gauge™ — Understand your monthly breathing room • Radiant Goal Timeline™ — Estimate when you'll reach any savings goal MONTHLY CHECK-IN • Quick-update your numbers • Reflection prompts for a healthier money relationship • View previous check-ins to see your journey DASHBOARD • This month's payment plan at a glance • Next milestones for motivation • 6-month debt projection bars BONUS: FREE GIFT PAGE • Copyable 3-minute monthly practice for your journal or notes app ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

🦋 FEATURES YOU'LL LOVE ✦ Solo or Couple Mode — Toggle between "My" and "Our" labels ✦ Demo Data — Try it instantly to see how everything works ✦ Export to CSV — Download all your data anytime ✦ Add to Home Screen — Use it like an app on your phone ✦ 100% Private — No accounts, no logins, no data collection ✦ Works Forever — No subscriptions, no expiring access ✦ Mobile Friendly — Beautiful on phone, tablet, or computer ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

🦋 HOW IT WORKS 1. Download the HTML file 2. Open it in any web browser (Chrome, Safari, Firefox, Edge) 3. Start entering your real numbers 4. Check in monthly to keep your projections meaningful That's it. No complicated setup. No tech skills needed. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

🦋 PERFECT FOR YOU IF... • You want to pay off debt but spreadsheets feel overwhelming • You've tried budgeting apps but they felt cold or judgmental • You want to see the impact of extra payments before committing • You value privacy and don't want your financial data in the cloud • You believe money management should feel supportive, not stressful ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

🦋 WHAT YOU'LL RECEIVE • 1 HTML file (Radiant Wealth Builder™ interactive app) • Works on any device with a web browser • Instant download after purchase ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

🦋 HOW TO ACCESS YOUR FILES This is a digital download delivered as a ZIP file. After downloading, open the ZIP file to see a folder with your files inside. On a computer, double-click the ZIP file. On a phone or tablet, open it using your Files app and tap the ZIP file once to open the folder. If you have trouble accessing your files, message us through Etsy and we'll help. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

🦋 IMPORTANT NOTES • This is a digital product — no physical item will be shipped • Due to the nature of digital products, all sales are final • This tool is for educational purposes and personal reflection • Not financial, legal, or tax advice — please consult a professional for personalized guidance ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

Ready to pay off debt without the spreadsheet stress? 🦋 The Radiant Wealth Builder is an interactive tool that helps you track debts, compare payoff methods (snowball vs avalanche), build sinking funds, and check in monthly with your money. Works offline. 100% private. No subscriptions. Just clarity. #debtfreejourney #debtpayoff #financialwellness #budgeting #sinkingfunds

Rooted & Radiant Studios™

Rooted in truth. Radiant in growth.