Finans

Borç Pusulası (Debt Compass)

warningProblem

"Realistic repayment strategy for student loans with high debt to income ratio"

psychologyPotansiyel Çözüm

Yüksek borç-gelir oranına sahip bireylerin öğrenci kredileri için kişiselleştirilmiş geri ödeme stratejileri sunan, farklı geri ödeme planlarını (SAVE, standart, vb.) analiz eden ve hem borç azaltma hem de tasarruf/yatırım hedeflerini dengelemeye yardımcı olan bir finansal planlama uygulaması.

groupHedef Kitle

Yüksek öğrenci kredisi borcu olan ve gelirine oranla bu borcu yönetmekte zorlanan 30'lu yaşlardaki profesyoneller. Özellikle gelirinin dalgalı olduğu (freelancer, 1099 çalışanlar) ve farklı federal geri ödeme planları (SAVE, Income-Driven Repayment vb.) arasında en uygun stratejiyi bulmak isteyen, aynı zamanda acil durum fonu ve emeklilik gibi diğer finansal hedeflerini de göz ardı etmek istemeyen bireyler.

paymentsGelir Modeli

Abonelik tabanlı (Subscription-based) model. Temel analiz araçları ücretsiz sunulurken, detaylı kişiselleştirilmiş planlar, ileri düzey simülasyonlar ve yatırım entegrasyonu için premium üyelik sunulabilir. Ayrıca, kullanıcının finansal hedeflerine uygun finansal ürünlere yönlendirme (affiliate marketing) ile de ek gelir elde edilebilir.

Aksiyon Planı

Kullanıcı borç bilgilerini (kredi türü, bakiye, faiz oranı) ve gelir/gider bilgilerini girebilmesi.

Farklı federal geri ödeme planlarına (SAVE, Standart vb.) göre aylık ödeme tahminleri ve toplam geri ödeme süresi/maliyeti simülasyonları.

Borç ödeme odaklı (Snowball, Avalanche) ve tasarruf/yatırım odaklı stratejiler arasında karşılaştırmalı analiz.

Acil durum fonu ve emeklilik hedeflerini de içeren, kişiselleştirilmiş geri ödeme ve tasarruf planı önerisi.

Mevcut borç-gelir oranına göre risk değerlendirmesi ve finansal sağlık puanı.

Pazar Analizi

8.7Puan

Kaynak: personalfinanceopen_in_new

AI Prompt

You are tasked with building a sophisticated Minimum Viable Product (MVP) for a personal finance web application called "Debt Compass" (Borç Pusulası). This application is designed to help individuals with high debt-to-income ratios, specifically those with significant student loan burdens, create realistic and personalized repayment strategies. The MVP should NOT be a simple landing page or a single-page application (SPA). It must be a multi-page application built with Next.js using the App Router (the `app/` directory structure). The application needs a robust backend with a database and full CRUD (Create, Read, Update, Delete) functionality for key entities.

**Technology Stack:**
*   **Framework:** Next.js (App Router)
*   **Database:** PostgreSQL
*   **ORM:** Drizzle ORM (for schema definition and querying)
*   **UI:** Tailwind CSS (for styling)
*   **Authentication:** NextAuth.js (for user authentication)

**Core Features & Database Schema (Drizzle ORM):**
1.  **User Authentication:** Secure user registration and login using NextAuth.js.
    *   `users` table: `id` (uuid, pk), `name` (text), `email` (text, unique), `emailVerified` (timestamp, optional), `image` (text, optional), `createdAt` (timestamp)

2.  **Debt Management:** Users can input and manage their various debts, focusing on student loans.
    *   `debts` table: `id` (uuid, pk), `userId` (uuid, fk to users), `name` (text), `type` (enum: 'student', 'car', 'mortgage', 'credit_card', 'personal'), `totalAmount` (numeric), `currentBalance` (numeric), `interestRate` (numeric, e.g., 6.5 for 6.5%), `dueDate` (date, optional), `createdAt` (timestamp), `updatedAt` (timestamp)

3.  **Income & Expense Tracking:** Users can log their income sources and recurring expenses.
    *   `incomes` table: `id` (uuid, pk), `userId` (uuid, fk to users), `source` (text), `amount` (numeric), `frequency` (enum: 'monthly', 'bi-weekly', 'weekly', 'irregular'), `date` (date), `createdAt` (timestamp)
    *   `expenses` table: `id` (uuid, pk), `userId` (uuid, fk to users), `description` (text), `amount` (numeric), `frequency` (enum: 'monthly', 'bi-weekly', 'weekly', 'irregular'), `date` (date), `createdAt` (timestamp)

4.  **Repayment Strategy Simulation:** The core of the MVP. Users can simulate different repayment scenarios.
    *   `repaymentPlans` table: `id` (uuid, pk), `userId` (uuid, fk to users), `name` (text, e.g., 'Aggressive Payoff', 'SAVE Plan Focus'), `planType` (enum: 'standard', 'save', 'custom', 'snowball', 'avalanche'), `startDate` (date), `createdAt` (timestamp)
    *   `planSimulations` table: `id` (uuid, pk), `repaymentPlanId` (uuid, fk to repaymentPlans), `debtId` (uuid, fk to debts), `month` (integer, 1-12), `year` (integer), `startingBalance` (numeric), `principalPaid` (numeric), `interestPaid` (numeric), `endingBalance` (numeric), `totalPaidThisMonth` (numeric), `createdAt` (timestamp)

**Application Structure (Next.js App Router):**
*   `/app/dashboard`: Main dashboard page after login, showing a summary of debts, income, expenses, and current plan status.
*   `/app/debts`: Page to view, add, edit, and delete debts.
*   `/app/income-expenses`: Page to manage income and expense entries.
*   `/app/strategies`: Page to create new repayment plans, run simulations, and view results.
    *   `/app/strategies/[planId]`: Detailed view of a specific repayment plan and its simulation results.
*   `/app/settings`: User profile and application settings.
*   `/app/api/...`: API routes for all CRUD operations.

**API Routes (Example Structure using Drizzle & PostgreSQL):**
*   `POST /api/auth/signup`, `POST /api/auth/signin`, etc. (handled by NextAuth.js)
*   `GET /api/debts`: Fetch all debts for the logged-in user.
*   `POST /api/debts`: Add a new debt.
*   `PUT /api/debts/[debtId]`: Update a specific debt.
*   `DELETE /api/debts/[debtId]`: Delete a specific debt.
*   Similar CRUD API routes for `incomes`, `expenses`, `repaymentPlans`, and `planSimulations`.

**Key Functionality to Implement:**
1.  **User Dashboard:** Display a clear overview of the user's financial situation, including total debt, monthly payments, income, expenses, and savings progress.
2.  **Debt Input & Management:** Allow users to accurately input all details of their student loans and other debts.
3.  **Income/Expense Logging:** Simple interface for users to log their income and recurring expenses.
4.  **Repayment Plan Creation:** Allow users to select different repayment strategies (e.g., SAVE plan calculations, Snowball, Avalanche) and input parameters.
5.  **Simulation Engine:** Implement the logic to simulate monthly progress for each selected debt based on the chosen repayment plan, calculating principal and interest paid, and remaining balance.
6.  **Analysis & Visualization:** Display simulation results clearly, perhaps with charts showing debt reduction over time, total interest paid, and projected payoff dates. Provide comparisons between different plan types.
7.  **Financial Health Score:** Develop a basic algorithm to calculate a score based on debt-to-income ratio, savings rate, and debt payoff progress.

**Prompt Instructions:**
*   Set up the Next.js project with the App Router.
*   Configure Drizzle ORM with PostgreSQL (use a local development database like Dockerized PostgreSQL or any accessible instance).
*   Implement all necessary database schema using Drizzle.
*   Create API routes (using `route.ts` files in `app/api/`) for all CRUD operations for `users`, `debts`, `incomes`, `expenses`, `repaymentPlans`, and `planSimulations` tables.
*   Integrate NextAuth.js for user authentication.
*   Build the UI components using React and Tailwind CSS for the specified pages (`/dashboard`, `/debts`, `/income-expenses`, `/strategies`, `/strategies/[planId]`, `/settings`).
*   Implement the core simulation logic for at least the SAVE plan and a basic Snowball/Avalanche strategy. The simulation should accurately calculate monthly principal and interest payments