1. Debt entry form: name, balance, APR, and minimum payment for each debt. 2. Strategy comparison view: snowball (smallest balance first) versus avalanche (highest APR first) with payoff dates and total interest for each. 3. Extra payment simulator showing how 100, 250, or 500 more per month changes the payoff date. 4. AI plan summary that explains the chosen strategy in three plain sentences and notes what to do first. 5. Monthly payment reminders via email with a one-tap 'paid' confirmation. 6. Progress dashboard with a balance burn-down chart and percentage complete per debt. 7. Windfall allocator: enter a bonus or tax refund and see the fastest way to apply it. 8. Milestone system with small celebrations at each debt fully paid. 9. Consolidation comparison: model a single loan at a given APR against the current plan. 10. Printable plan export as PDF for the fridge door.