At Runrate we've understood that every question around personal finance can be converted into simple inequality equations. And if you've a good sense of what you're optimzing for, say no debt, or low investment, etc. you can find the most optimal solutions using multiple such equations. Optimise API Tries to fulfill every one of your financial goals, while factoring the maximum savings possible, potential assets available for liquidation, existing loans, and reducing reliance on new loans, etc. It uses the priority of goals as shared by you, and makes you reconsider the priority, goal realisation period, goal value, and loan value in every iteration.