Michael Brady

Michael Brady

Software developer building debt tools
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About

I’m a software developer with a background in data engineering, and I build debt payoff tools. I run DebtOptimizerHub, which offers free calculators for comparing payoff time, interest, credit utilization, balance transfers, consolidation and payoff order. My main product is the Debt Payoff Planner, a subscription app that keeps your original payoff plan fixed and compares it with your actual balances each month, so you can see whether you’re ahead or behind instead of watching the plan quietly rewrite itself. My focus is accurate math and clear explanations of how the numbers are calculated. Always happy to talk about debt payoff math or hear feedback.

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Maker History

  • Debt Payoff Planner
    Debt Payoff PlannerTrack your debt payoff plan against your real balances
    Nov 2026
    • 🎉
    Joined Product HuntJune 19th, 2026

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10h ago

Debt Payoff Planner - Track your debt payoff plan against your real balances

See every month whether you’re on track to be debt-free, and exactly how far ahead or behind you are. Most payoff tools quietly rewrite your plan whenever a balance changes. The Debt Payoff Planner keeps your original plan fixed and compares it with an updated projection built from your actual balances. Build a snowball or avalanche plan, record payments and balances at each monthly check-in, and track milestones. Includes payment reminders and PDF and Excel exports.
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