Best debt payoff calculator for digital nomads

There are roughly 40-60 general debt payoff calculators in the market (Undebt.it, Debt Payoff Planner, YNAB, etc.), but almost none are optimized for digital nomads' specific financial reality: fluctuating monthly income, currency exchange volatility, frequent location changes, and tax complexity across jurisdictions. The common failure point is that existing tools assume stable paychecks and single-currency finances—they break down when a nomad earns $5k one month, $2k the next, or splits income between USD and EUR. The real gap isn't in debt payoff math itself (that's solved), but in cash flow modeling for irregular earners and the ability to stress-test payoff timelines against realistic income volatility. A vibecoder entering this space should focus on three things: (1) income scenario planning that lets users model multiple earnings outcomes, (2) native multi-currency support with automatic conversion tracking, and (3) integration with nomad-specific financial tools (Wise, Stripe, PayPal). Most existing calculators treat income as fixed; a nomad-first tool that treats income as a range or distribution wins.