Finally see the day you’ll be debt-free.
You’re paying every month — but with a few debts pulling at you at once, it never feels like you’re getting anywhere.
This turns them into one clear plan: the day you’ll be debt-free, the interest you’ll save, and exactly which debt to pay next.
You type in your numbers. It does the rest.
- Works in Google Sheets & Excel
- One-time payment — no subscription
- Instant download
$24 one-time payment · 14-day money-back guarantee
Making payments, but going nowhere?
You pay every month. The balances barely move. With a few debts at different rates, it’s hard to know which to hit first. That’s not a discipline problem. It’s a clarity problem.
Too many balances, no order
A card, a car loan, a medical bill. All feel urgent. So your extra money spreads thin — and nothing gets cleared.
The minimum-payment treadmill
Minimums keep you paying interest for years. Most of your money goes to the bank, not your balance.
No finish line
With no date to aim for, debt feels endless. Hard to stay motivated when you can’t see progress.
Now picture it all on one page.
Every debt, one plan. The order to pay, the interest you’ll save, the month you’re free. That’s this.
The simpler way
Your debts, turned into one clear plan.
No math. No guessing. Type your debts, pick a strategy, and your plan appears.
- Your debt-free date. The moment your debts are in, you see the month you’ll be free — and the interest to get there.
- Which debt to attack next. One card tells you where your extra dollars go, and when that debt clears. No more spreading thin.
- Snowball or Avalanche. Fast wins, or the most interest saved. See both side by side, with the dollar difference. Switch anytime.
Type your debts. See your plan.
No formulas. No math in your head. Just type.
Enter your debts
Balance, rate, minimum — into the yellow cells. Everything else is locked, so nothing breaks.
Get your plan
Pick Snowball or Avalanche. Your debt-free date, payment, and payoff order appear.
Everything you need to see your way out.
A pile of balances, turned into one clear plan.
The Dashboard
Paid off, left, interest, and your debt-free date with a progress bar that fills as debts drop off.
The Debt Planner
Your plan builds itself: the exact order to pay, and a month-by-month schedule to the finish.
Next Debt to Attack
The exact debt to focus on, how much to put toward it, and when it’s gone.
Snowball vs Avalanche
Both strategies compared — with the dollar difference spelled out.
Interest Saved
See what a little extra buys you, versus paying only the minimums.
Start Here + filled example
A simple setup page and a worked example, so you see how it works before entering a number.
Google Sheets & Excel
The app you already have. One file, both platforms.
Instant Access
Yours the second you buy.
One-Time Purchase
Pay once. No subscription.
Up and running in three steps.
Enter your debts
Balance, rate, minimum. Up to 15 debts. A 0% debt is fine.
Choose your strategy
Snowball or Avalanche, plus any extra you can pay. Plan updates instantly.
Follow your plan
Pay the debt it points to, log it, watch the date get closer.
It opens in Sheets or Excel. Nothing new to learn.
No new app. No login. One file, both platforms — no macros, no add-ons.
Google Sheets
Prefer your browser? Track it from any device, free. (To keep the formatting: File → Import → Replace spreadsheet.)
Microsoft Excel
Prefer your desktop? Open the same file in Excel, offline.
What’s-included strip: Comes with the tracker and a filled example — so you see how it works before you touch a thing.
Built for anyone ready to have a real plan.
This is for you if…
- You have more than one debt and aren’t sure which to pay first.
- You’re paying, but barely moving.
- You want a real debt-free date to aim for.
- You want to see if Snowball or Avalanche is better for you.
- You want the math done for you.
- You’d rather use Sheets or Excel than learn an app.
This may not be for you if…
- You want an app that links to your bank and updates itself.
- You want someone else to manage or negotiate your debt.
- You’re after a loan, credit repair, or financial advice, this is a planning tool, not advice.
- You don’t want to use a spreadsheet at all.
One clear plan. All the way to debt-free.
Turn your balances into a payoff plan you can see and follow.
What’s inside:
- The full Debt Payoff Tracker System
- Google Sheets + Excel
- Dashboard with your debt-free date & progress
- Snowball vs Avalanche comparison
- “Next Debt to Attack” + month-by-month schedule
- Start Here guide + filled example
Try it. If it’s not right for you, ask for a full refund within 14 days. No hoops.
No subscription. No hidden fees. Yours to keep.
Get the Tracker → 🔒 Secure 256-Bit Encrypted CheckoutA few things you might be wondering.
No. You only type in the yellow cells — everything else is locked and calculates itself.
Whichever keeps you going. Snowball clears your smallest balance first for quick wins; Avalanche targets your highest rate to save the most. See both side by side, and switch anytime.
Yes — the "Next Debt to Attack" card names it, the amount to pay, and when it clears.
Up to 15. A 0% debt is fine. Need more? Contact us and we'll extend it.
Both. Same file, either one. No macros or add-ons.
Yes. Set any start date and your plan builds from there.
Instantly. It's delivered to your email right after checkout.
Ready to see your debt-free date?
Everything you need to turn your debts into one clear plan.
- The full Debt Payoff Tracker System
- Google Sheets + Excel
- Your debt-free date, progress & interest saved
- Snowball vs Avalanche + "Next Debt to Attack"
- Instant access
Complete Your Order
Instant access, delivered to your email.
Debt Payoff Tracker System
- Google Sheets + Excel
- Instant download
- Lifetime access, no subscription
