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i. For The Two Big Moves

Kill the debt first.
The house comes after.

Two of the biggest financial decisions you’ll make. One spreadsheet that runs the math on both.

One payment
$47
Lifetime updates
14-day refund
Wellthpath · Tool 04
Home & Debt
Command Centre
Debt Remaining
$12,450
This Month
-$680
ii. What's inside

Eight tabs. All the math, none of the noise.

Debt — The First Win
Avalanche & Snowball
Run both methods side-by-side. Pick the one you’ll actually finish.
Payoff Timeline
Exact month you’re free. Exact interest you’ll save by adding $X/month.
Five Debt Types
Credit cards, student loans, car, personal, medical. Each tracked separately.
Home — The Honest Math
Mortgage Affordability
What you can afford — not what the lender says you can.
Rent vs Buy
The break-even year. The honest one, with maintenance and tax built in.
Down Payment Tracker
Goal, monthly contribution, and the realistic month you hit it.
iii. A look inside

Watch the debt go down. Watch the down payment go up.

Command Centre · Month 18
Live
Debt Remaining
$11,200
From $22,800 · -51%
Down Payment
$72,400
Goal $95,000 · 76%
Avalanche Plan · Highest APR First
Credit Card · 22.4% APR $0 / $4,400 · paid
Student Loan · 6.8% APR $11,200 / $18,400
Affordability Check · What You Can Actually Afford
Lender says
$680k
Your max
$567k
Recommended
$510k
Illustrative numbers. Yours fill in as you log.
iv. After running the math

You stop letting the bank write the plan for you.

·
Pre-approval stops being a finish line.
It’s the bank’s ceiling. Not your number. The Centre tells you yours.
·
Avalanche or snowball — the math decides.
Side by side, you can see the dollar difference. Pick on evidence, not vibes.
·
Rent vs buy gets a break-even year.
Sometimes the answer is rent for two more years. The math says so calmly.
·
The down payment hits its month, not someday.
Real timeline. Real contribution. Real month. No more vague ‘in a few years’.
v. The unpopular opinion

Most people should clear high-interest debt before they buy.

Real estate marketing rushes you. The math doesn’t. A 22% credit card balance compounds against you faster than a house appreciates for you. Two years of being debt-free before a mortgage often beats two years of being house-poor with credit card debt. The Centre lets you run the numbers honestly — and decide what’s right for your situation, not the realtor’s.

vi. Why I built it

“Buying a house and getting out of debt are the two biggest financial moves most people will ever make. Both are sold to us in marketing language — pre-approval letters, debt-free dates, hustle, urgency. Neither comes with the math. The Command Centre is the math. It won’t tell you what to do. It will tell you what each option actually costs — in years, in interest, in monthly stress — so you can decide on evidence instead of pressure.

If it doesn’t work for you in 14 days, I’ll refund you. No forms. No questions.”

Natalia
Founder · Wellthpath

Important: The Command Centre is a planning tool, not financial or mortgage advice. Affordability calculations are estimates based on standard ratios; lenders use proprietary criteria. Consult a licensed mortgage broker, financial advisor, or CPA before signing any loan or purchase agreement.