Debt Payoff Coach — Financial Freedom App
Zouhir Laoulaou
Debt Payoff Coach — Personal Finance & Debt Management App
Project Overview
Debt Payoff Coach is a mobile application designed to help users take control of their finances by providing a clear, structured, and motivating system to pay off debt.
Rather than overwhelming users with complex spreadsheets or generic budgeting tools, the app focuses specifically on debt elimination through visual progress tracking, payoff timelines, and actionable insights.
This project was built and shipped as a production-ready consumer finance app, available on the Apple App Store.
The Problem
Debt management is one of the most stressful financial challenges for individuals.
Many users struggle because:
They manage multiple debts without a clear payoff strategy
It’s difficult to understand how extra payments impact payoff timelines
Traditional budgeting apps focus on expenses, not debt elimination
Progress feels slow and unmotivating
As a result, users lose motivation, miss payments, or abandon their financial goals entirely.
The Solution
Debt Payoff Coach was designed to act as a personal debt assistant.
The app provides users with a simple but powerful system to:
Track all debts in one place
Visualize total debt and monthly payments
See a projected debt-free date
Experiment with different payoff strategies using simulations
By turning abstract numbers into clear visuals and timelines, the app helps users stay motivated and committed to their debt payoff journey.
Key Features
Debt snapshot dashboard with total balance and monthly payments
Visual progress tracking using a Bloom-style progress indicator
Debt-free timeline projection
What-if payoff simulator for extra payments
Payment reminders to avoid missed due dates
Monthly payment schedules with detailed breakdowns
Tech Stack
Platform: iOS (iPhone and iPad)
Frontend: React Native + Expo
Data Storage: Local and structured persistent storage
Monetization: In-app subscriptions (weekly, monthly, annual)
Design: Clean, mobile-first UX focused on clarity and motivation
My Role
I handled the entire product lifecycle end-to-end, including:
Product ideation and feature definition
UX flow and interaction design
Mobile app development and state management
Payoff logic and simulation calculations
Subscription and monetization setup
App Store submission and release
This project demonstrates my ability to independently ship consumer finance products from concept to market.
User Experience & Impact
Debt Payoff Coach was designed to make users feel progress, not just see numbers.
Through visual indicators, payoff projections, and reminders, the app helps users:
Reduce financial anxiety
Stay consistent with payments
Clearly understand the impact of financial decisions
The structure encourages long-term engagement and habit formation.
Conclusion
Debt Payoff Coach showcases my ability to build practical, user-focused financial applications that balance functionality, motivation, and monetization.
It reflects strong product thinking, technical execution, and an understanding of real user pain points.
I now help founders, coaches, and product owners turn ideas into polished, scalable mobile applications — from MVP to App Store launch.
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Posted Jan 28, 2025
It helps users track, manage, and eliminate their debts with clarity and confidence, provides visual progress tracking, payoff simulations, and more...
