Turn “we should really fix that someday” into a number your CFO approves.
Enter your debt below and this page gives you the principal, the daily carrying cost,
a 0–100 priority ranking, and a one-page memo you can paste into an email.
Everything runs in this one file. Nothing is uploaded, no account is needed, and there is
no tracking — save it and it works with your wifi off. The math is identical to
RefactorIQ.
1 · Your inputs
Blended hourly cost: salary × overhead ÷ billable hours. A senior at
$150k with 1.35 overhead and 1,720 billable hours → $95/h. Using loaded cost (not a
bare rate) is the difference between a number finance accepts and one they wave away.
2 · Your debt items
Three-point estimates beat single numbers — a lone guess is a fiction you have to
defend. Enter optimistic / likely / pessimistic hours for each item.
Item
Severity
O
M
P
Score
$/day
3 · What it costs
Total principal
$0
of debt to clear
Burning every day
$0
cost of waiting
Burning every year
$0
if nothing changes
Fix the top third
$0
saved per year
Weeks to clear it
0
at your capacity
Math: principal = PERT hours × hourly cost, where
PERT = (optimistic + 4×likely + pessimistic) ÷ 6.
Daily carrying cost = principal × APR ÷ 365.
Weeks = total hours ÷ weekly capacity.
4 · Fix these first
#
Item
Severity
Score
Hours
Principal
$/day
Score is a weighted 0–100 blend — severity 25, risk 20, developer impact 20,
business impact 15, customer impact 8, frequency 7, age 5. Every input is visible, so the
ranking is arguable rather than magic.
5 · Take this to your boss
Copy the memo, paste it into an email, done. It is deliberately short — nobody reads
a 12-page debt audit.
About this file. One HTML document, no external requests, no analytics, no cookies.
Save it wherever you like. The math matches
RefactorIQ, which does the same thing
for your whole backlog, ranks across teams, and plans the payoff against real capacity.