DebtStomp Decoder Web-based Financial Tool

We are building a web-based financial analysis tool called the DebtStomp Decoder for use by business loan brokers across the United States. This is a complete standalone build — there is no existing codebase to extend.

The application calculates the fastest, least expensive way for a business owner to eliminate all of their debts using one or more of three methods:

Debt rolldown (avalanche/snowball method — no payment increase required)
Installment loan consolidation paired with the rolldown method
Line of credit velocity banking — a more advanced daily-interest calculation method that models all business income flowing through the LOC to minimize interest daily, combined with the rolldown method on remaining debts
The tool produces a professional, branded, printable PDF report that brokers present to clients in consultations. This report is the most important deliverable in the entire project — it must be visually compelling, chart-rich, and immediately understandable to a non-financial audience.

A sample reference report from a previous version of this concept will be provided to shortlisted candidates so you can see exactly the type of output we need — modernized and dramatically improved in visual quality.

The application must include:
Complete debt input system with unlimited debt entries
Avalanche and snowball payoff calculation engines (built from scratch)
Standard installment loan consolidation module
Line of credit (LOC) velocity banking module with daily interest calculation — this is the most complex part of the build and experience with financial math is essential
Three-way side-by-side comparison: Do Nothing vs. Installment Loan vs. LOC Velocity Banking
"What If" scenario modeling engine (minimum 5 saved scenarios per user)
Investment/wealth projection module (what happens when freed-up payments go into investments)
Professional PDF report generator — multiple pages, full color, charts, tables, summary boxes
Broker accounts (manage multiple client profiles) and business owner accounts
Cloud-based data storage — users access their data from any device
Mobile-responsive UI throughout
Basic admin panel
Critical technical requirements:
Server-side PDF generation producing print-ready, high-quality output — this is non-negotiable
Charting library that renders correctly in both the browser AND the PDF (Chart.js, D3.js, Recharts, or equivalent)
Daily interest calculation for the LOC module — not monthly amortization
Financial calculations must be mathematically exact
What we are looking for:
Demonstrated experience building financial calculators or data-driven web applications
Portfolio showing professional, client-facing UI/UX design
Proven experience with server-side PDF generation from web applications
Strong financial math capability
Clear communicator — weekly updates required
Ability to ask questions before building, not after
Timeline: Functional v1 in 30–45 days

Payment: Four milestone payments — details in the full project brief