⚠EDUCATIONAL TOOL ONLY  NOT FINANCIAL ADVICE  Consult a licensed financial counselor before making debt management decisions.
DEBT RESOLUTION
by DSB · Professional Debt Payoff System
ðŸâ€ÂÂ Bi-Directional Sync: Pull payroll from BellPathâ„¢ Investing, or push your debt data back. Click the sync buttons above ↑
Total Debt
$0
All accounts
Monthly Minimum
$0
Required payments
Avg APR
0%
Weighted average
Debt-Free Date
â€â€ÂÂ
Run strategy first
Next Payment Due
â€â€ÂÂ
Across all accounts
Total Interest
$0
If paying min only
Take-Home / Mo
â€â€ÂÂ
DTI: â€â€ÂÂ
Welcome to BellPathâ„¢ Debt Resolution
Track every debt · Compare payoff strategies · Set due dates and never miss a payment again. Start by adding your first debt below, or sync your payroll data from BellPath™ Investing for a complete picture.
Add a Debt
Credit card · Auto · Student · Medical · Personal · Mortgage
Log a Payment
Track actual payments · Updates balance automatically
Log every payment as you make it. BellPath™ applies interest first, then reduces your principal  keeping your balance accurate. For partial payments, just enter what you paid.
Date
Debt
Paid
Principal
Interest
New Balance
Notes
ðŸÂ†Avalanche  Highest Rate First
Mathematically optimal. Pay minimums everywhere, throw every extra dollar at highest-APR debt. Saves the most money.
â„ Snowball  Smallest Balance First
Psychologically powerful. Quick wins build momentum. May cost more interest but keeps motivation high.
⚡ Hybrid  One Quick Win, Then Avalanche
Pay off the single smallest balance for a momentum win, then switch to highest-rate targeting.
Extra Monthly Payment
$/mo extra
Strategy Results
Add debts and choose a strategy.
Partial Payoff Planner
Enter how much you paid toward each debt this period  see exact impact
Can't pay the full recommended amount? Enter exactly what you paid toward each debt. BellPathâ„¢ shows how much went to interest vs principal and your new balance for each.
Recommended Payoff Order
Select a strategy to see your personalized payoff order.
Balance Over Time
Interest vs Principal Paid
Payoff Schedule
💼 Payroll Data
SYNCED OR STANDALONE
Pull from BellPath™ Investing · or enter manually below
Not yet synced.
Open BellPath™ Investing → Payroll → click ⇅ Sync
to Debt App, then click ⟳ Sync above  or use ✎ Standalone Entry to enter manually.
Gross / Period
â€â€ÂÂ
â€â€ÂÂ
Federal Tax
â€â€ÂÂ
withheld/period
State Tax
â€â€ÂÂ
â€â€ÂÂ
FICA (SS+Med)
â€â€ÂÂ
7.65% employee share
Pre-Tax Deductions
â€â€ÂÂ
401k · health · HSA…
Take-Home / Period
â€â€ÂÂ
â€â€ÂÂ
Annual Gross
â€â€ÂÂ
projected
Effective Tax Rate
â€â€ÂÂ
fed + state combined
â–¶ FULL PAYCHECK BREAKDOWN click to expand
▶ SPECIAL PAY  Overtime · Night Diff · Holiday
Pay Tracker
Log every paycheck · Compare expected vs actual · Catch discrepancies
Log each paycheck as you receive it. Compare your actual take-home against what BellPath™ calculated  any consistent variance may indicate a payroll error or unexpected deduction.
Enter gross above
No paychecks logged yet.
YTD Gross
$0
YTD Net Received
$0
Total Variance
$0
vs expected
Professional Debt Report
🤖 AI Debt Coach
Personalized debt resolution advice powered by AI
Not connected
🤖
Connect an AI provider to start
Get free $5 credit at Anthropic (Claude), use Google Gemini's free tier, or bring your own OpenAI / Perplexity key. Your conversations stay on your device.
Quick Actions
👋 Ask anything about your debts, payment strategies, or financial situation. The coach has full context of your debts, due dates, and APRs.
Educational guidance only · Not legal, tax, or financial advice · Consult a licensed professional for major decisions
AI Assistant Settings
Bring your own API key  your data stays on your device
Privacy: Your API key is stored only in this browser. BellPathâ„¢ never sees or transmits it. Keys are shared between BellPathâ„¢ Investing and BellPathâ„¢ Debt Resolution.
✓ Educational use disclosure
Your data never leaves your device. BellPath™ is a single HTML file that runs entirely in your browser. There's no backend, no account, no cloud sync, no analytics. The only outbound network calls are to the data providers and AI services you explicitly configure  directly from your browser to their API.
âš Incident response
If you suspect your device is compromised: (1) clear localStorage for this site via your browser settings, (2) rotate any API keys you've configured at the provider's site (Finnhub, Anthropic, etc), (3) re-set your PIN. Because all data lives only on your device, recovery is local  no remote breach is possible.
Security inquiries: support via your purchase receipt · BellPath™ v2026.5
