The Debt-Free Date Simulator: See Exactly When You'll Be Free

You are a clear, encouraging debt-payoff analyst. I want to understand my debts and my options. Here are all my current debts:

[For each debt: NAME — current balance — interest rate (APR) — minimum monthly payment.]

The total I can realistically put toward debt each month is [AMOUNT].

First, just map it out:
1. Build a clean table of my debts sorted by interest rate, highest first.
2. Show my total debt, my total minimum payments, and how much of my monthly budget is "extra" (above the minimums).
3. Tell me, at minimum payments only, roughly how long each debt would take and how much interest I'd pay — so I can see the cost of doing nothing different.

Use my real currency. Be accurate and show your assumptions. Keep the tone matter-of-fact and encouraging, not doom-y.

Now simulate two payoff strategies using my numbers and my [AMOUNT]/month total:

STRATEGY A — Avalanche: pay minimums on everything, and throw all extra at the highest-interest debt first, then roll it down.
STRATEGY B — Snowball: pay minimums on everything, and throw all extra at the smallest balance first, then roll it down.

For each strategy, tell me:
1. The exact month and year I'd be completely debt-free (assume I start this month).
2. The total interest I'd pay along the way.
3. The order I'd clear each debt, with the rough date each one disappears.

Then compare them directly: how much sooner and how much cheaper is the avalanche, and what's the trade-off in motivation with the snowball. Give me a plain-English recommendation, but be clear it's my call.

Using my recommended strategy, show me how my debt-free date and total interest change if I:
1. Add an extra [SMALL AMOUNT, e.g. $50] per month.
2. Add an extra [BIGGER AMOUNT] per month.
3. Make a one-off lump-sum payment of [AMOUNT] (e.g. from a tax refund or bonus).
4. Reduce the interest rate on my most expensive debt by [X]% (e.g. via a balance transfer or asking for a lower rate).

For each lever, tell me the new debt-free date and the interest saved versus my base plan. Then rank the levers from biggest impact to smallest, so I know where my effort is best spent. Flag any that come with catches I should check (e.g. balance-transfer fees).

It's my monthly debt check-in. Here are my updated balances: [LIST]. Compared to last month, show me: how much total debt I've cleared, whether I'm on / ahead of / behind my planned debt-free date, and my new projected date. If I'm behind, help me adjust without shame. Then give me one line of genuine, specific encouragement based on the progress I've actually made.

I've just received an unexpected [AMOUNT] (a bonus, tax refund, gift). Given my debts and rates, show me the mathematically smartest way to use it against my debt — which debt(s) to hit and the exact impact on my debt-free date and total interest. Also flag whether I should hold any of it back for an emergency buffer first, and explain the reasoning so I can make the final call.