AI-Powered Debt Payoff Roadmap Generator
Avalanche & Snowball Algorithms • Salary Extraction via OCR • Interactive 3D Debt Visualization • Personalized Payoff Plans
TRY IT OUT- https://schwing.onrender.com/
Schwing eliminates debt guesswork. Upload your salary slip, enter your debts, and get a personalized month-by-month payoff roadmap powered by Groq's LLaMA 3.3 — in under 8 seconds.
Millions of salaried Indians juggle multiple EMIs, credit cards, and personal loans with zero clarity on which to pay first. Financial advisors are expensive. Spreadsheets are overwhelming. Schwing fixes this by combining instant salary extraction, intelligent debt analysis, and immersive 3D visualization to deliver a clear, actionable path to debt freedom.
| Feature | Description |
|---|---|
| Instant Salary Extraction | Upload your salary slip (PDF/image) — AI automatically extracts your take-home income via OCR with zero manual entry. |
| Multi-Debt Analysis | Add EMIs, credit cards, personal loans. Schwing factors in interest rates and monthly EMIs for every debt you're carrying. |
| Avalanche vs Snowball | Compare both payoff strategies side-by-side with exact numbers — total interest paid, time to debt-free, and a clear AI recommendation. |
| Interactive Debt Map | A live 2D financial flow map shows how your income splits between debts and savings — sized and colored by impact. |
| 3D Debt Universe | See every debt as a glowing orb orbiting "YOU" — sized by EMI, colored by interest-rate severity. Drag, rotate, click for details. |
| Downloadable PDF Report | Your complete payoff plan in a beautifully formatted report — ready to share, print, or track progress month after month. |
The homepage greets users with a bold headline, floating debt cards showing real EMI examples, and a single clear call-to-action. This is debt clarity reimagined.
A clean, step-by-step breakdown: upload your salary slip, enter your debts, get your roadmap. No spreadsheets. No financial jargon. Just a clear path forward.
The analyzer opens with a focused upload zone. Drop in a PDF or image of your salary slip — Schwing's OCR pipeline (PyTesseract + pdf2image) reads it automatically and extracts your take-home pay. Or skip straight to manual entry. A step indicator keeps you oriented across all three steps.
Enter your debts, and Groq's LLaMA 3.3 analyzes your full financial picture. You get a plain-English summary, your monthly surplus, and projected debt-free timelines for both Avalanche and Snowball methods — along with a clear recommendation on which strategy saves you the most in total interest paid.
A live 2D financial flow map shows the breakdown of your monthly income: how much goes to each debt and how much remains for savings. Branches are sized by EMI weight and colored by interest-rate severity, so you instantly see which debts are draining you hardest.
The flagship feature: a fully interactive Three.js orbital visualization. A glowing navy "YOU" core sits at the center, with each debt rendered as a colored orb orbiting around it — sized by monthly EMI, colored by interest-rate severity (green for low risk, red for urgent). Users can drag to rotate the scene, and click any orb to see its full details: monthly EMI, total amount, interest rate, and percentage of income consumed. When you see a giant red orb dominating your orbit, you immediately understand that debt needs to die first.
A dedicated results page lets users toggle between strategies. Each view shows the exact payoff order, total interest paid, time to debt freedom, and a detailed month-by-month action plan — exactly what to pay on each debt, when, and why.
Three powerful outputs from one 2-minute session: side-by-side payoff strategies, an interactive debt map, and a downloadable PDF report.
Schwing combines intelligent AI-powered income extraction with rigorous financial modeling and immersive 3D visualization.
- Backend: FastAPI (Python) — Secure, fast API routing and AI orchestration
- AI Engine: Groq API (LLaMA 3.3 70B) — Salary data extraction and full debt payoff analysis with human-readable reasoning
- OCR Pipeline: PyTesseract + pdf2image — Automatic salary slip parsing across PDF and image formats, with manual fallback for edge cases
- Financial Modeling: Custom Avalanche (highest interest first) and Snowball (smallest balance first) algorithm implementations with monthly surplus allocation and 6-month projected action plans
- 3D Visualization: Three.js — Real-time orbital debt map with animated pulsing orbs, drag-to-rotate, and click-for-details interaction
- PDF Generation: ReportLab — Professional, branded report generation with complete month-by-month breakdowns
- Frontend: HTML, CSS, and vanilla JavaScript with Jinja2 templating — optimized for frictionless UX on mobile and desktop
Schwing compares two time-tested debt payoff strategies and lets AI recommend the better fit for your specific situation:
Avalanche Method — Pay off debts in order of highest interest rate first, while making minimum payments on the rest. This minimizes total interest paid over time.
Snowball Method — Pay off debts in order of smallest balance first, building momentum and psychological wins as each debt disappears.
For each strategy, Schwing calculates:
- Payoff Order — the exact sequence to tackle each debt
- Total Interest Paid — cumulative interest cost across the full payoff horizon
- Months to Debt-Free — projected timeline based on current surplus and EMIs
- Monthly Action Plan — a detailed 6-month preview of exactly what to pay and where
The AI then recommends the strategy that best balances interest savings with psychological momentum, explaining its reasoning in plain language.
- Python 3.10+
- Tesseract OCR and Poppler installed on your system (for salary slip parsing)
- A Groq API key (console.groq.com)
-
Clone the repository:
git clone https://github.com/yourusername/schwing.git cd schwing -
Create a virtual environment and install dependencies:
python -m venv venv source venv/bin/activate # macOS/Linux venv\Scripts\activate # Windows pip install -r requirements.txt
-
Set up environment variables — create a
.envfile:GROQ_API_KEY=your_groq_api_key_here -
Run the application:
uvicorn main:app --reload
-
Open in your browser:
http://127.0.0.1:8000
Step 1: Upload → Salary slip (PDF/image), parsed via OCR or entered manually
Step 2: Add Debts → List every EMI, credit card, and loan with amounts and interest rates
Step 3: Get Your Plan → AI generates Avalanche vs Snowball roadmaps, a money-flow map, and a downloadable PDF
Explore → Dive into the 3D Debt Universe to see your entire financial picture visualized
Designed and engineered with a focus on financial accessibility for salaried Indians:
- AI & Financial Modeling — Groq's LLaMA 3.3 for intelligent income extraction and payoff analysis
- OCR & Data Extraction — Automatic salary slip parsing across PDF and image formats
- Backend Architecture — FastAPI for fast, reliable debt analysis and PDF generation
- Interactive Visualization — Three.js 3D orbital debt map and 2D financial flow chart
- User Experience — Clean, accessible interface focused on clarity over complexity
Built to democratize debt freedom — one rupee at a time.
MIT License — See LICENSE file for details.
Get out of debt. For real.