Hey Product Hunt community! 👋

I built DebtWealth IO because I wanted a clean, fast, and completely private way to explore the "Buy, Borrow, Die" wealth strategy without relying on bloated software or exposing my personal financial data to third-party servers.

High-earning investors often use Securities-Backed Lines of Credit (SBLOCs) to maintain liquidity and avoid massive capital gains taxes. But the biggest risk is always managing your Loan-to-Value (LTV) ratio so you don't get hit with a forced margin call during a market crash.

What DebtWealth IO does:

📊 Portfolio & Collateral Manager: Tracks your asset value and borrowing capacity in real time.

📉 Crash Stress Test Simulator: Instantly tests your portfolio against market downturns of up to -60%.

📈 Tax vs. Borrowing Decision Engine: Visualizes multi-year projections comparing compound asset growth against liquidation tax drag.

🔒 100% Offline & Private: Runs entirely client-side inside your browser via a single local file (index.html) with zero server dependency or data sharing.

I’d love for you to check it out, run your own numbers, and let me know what you think! Drop your feedback, feature ideas, or questions below. 👇

👉 Grab it here: https://selar.com/2943f96hj2