A debt plan that only asks you to do one thing at a time.
A few debts, different rates, different due dates — and a plan that needs you to remember all of it. That’s a lot to hold in your head.
This one holds it for you.
It shows your debt-free date, then names the single payment to make today — and quietly keeps the rest on track in the background. You type your debts into the yellow cells. It does the rest.
- Works in Google Sheets & Excel
- One-time payment — no subscription
- Instant download
$27 One-time · 14-day money-back guarantee
If looking at your debt feels like too much, you’re not the problem.
Maybe you’ve started a payoff plan before — and it slowly fell apart. Not because you stopped caring, but because the plan depended on you remembering what to do every month. That’s hard to keep up with. It doesn’t mean you’re bad with money.
Too much to hold at once
A few balances, different rates, different due dates. Keeping all of it in your head is exhausting — so sometimes it’s easier to just not look.
Plans that rely on remembering
Most trackers quietly assume you’ll come back every week and keep them going. Miss a stretch, and the whole thing feels broken — so you start over, or you stop.
The avoid-it loop
One missed payment, and it’s tempting to close the app and deal with it “later.” The longer it’s avoided, the heavier it feels. That’s a loop, not a character flaw.
Now imagine a plan you only have to glance at.
One that names the single thing to do today, keeps the rest running quietly, and doesn’t reset when life gets in the way. That’s this one.
The simpler way
Your debts, turned into one plan you only have to glance at.
No math. No juggling. Enter your debts, choose a strategy, and the tracker turns the whole pile into a clear plan — with one next step.
- One thing to do today. The dashboard tells you exactly what to pay, how much, and which debt to focus on. Everything else stays at its minimum payment. You don’t have to figure it all out at once.
- A finish line you can see. See your estimated debt-free date, interest savings, and progress as your balances drop. When you can see the progress, it’s easier to keep going.
- It doesn’t reset when life happens. Miss a month? Your plan is still there when you come back. Pick up where you left off — no starting over.
Type your debts. See your one next step.
No formulas to build. No math in your head. Just type, and the plan builds itself.
Enter your debts
Balance, interest rate, and minimum payment into the yellow cells. Everything else is locked, so nothing breaks.
Get your plan and today’s step
Choose Snowball or Avalanche. Your estimated debt-free date appears plus the single payment to make today, and the exact order to pay.
Everything you need and only what you need to look at.
A done-for-you system that turns a pile of debts into one plan, with one next step.
Today’s One Step
The dashboard names the exact payment to make now — which debt, how much so you never have to decide or hold it all in your head.
The Dashboard
Your next step, your next win, your progress, and your debt-free date the whole picture in one glance, worked out for you.
The Debt Planner
Type your debts, choose a strategy, and it builds the exact order to pay, plus a month-by-month schedule to the finish.
Snowball vs Avalanche
Fast, motivating wins — or the most interest saved. Both compared, with the dollar difference spelled out, so the choice is easy.
Progress, not resets
A bar that fills, a win each time a debt closes, and a plan that picks up where you left off if you miss a month.
Start Here + filled example
A simple setup page and a worked example, so you can see exactly how it works before entering a single number of your own.
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.
Set up once. Then just glance.
No complex setup, no blank spreadsheet to build. Three steps and your plan is ready.
Enter your debts
Balance, rate, and minimum into the yellow cells. Up to 15 debts. A 0% debt is fine.
Choose your strategy
Snowball or Avalanche, plus any extra you can put toward debt each month. Your plan updates instantly.
Do today’s one step
Pay what the dashboard says, log it, and watch the progress fill. Come back when you can — it’s still there.
It opens in Sheets or Excel. Nothing new to learn.
No new app. No login to forget. One file that works in both Google Sheets and Microsoft Excel — no macros, no add-ons.
Google Sheets
Prefer your browser? Open it in Google Drive and check your plan from any device, free. (To keep the formatting: File → Import → Replace spreadsheet.)
Microsoft Excel
Prefer your desktop? Open the same file in Excel and manage everything offline.
What’s-included strip: Your download comes with the ready-to-use tracker and a fully filled example — so you can see exactly how it works before you touch a thing.
Built for anyone who wants debt to feel simpler.
This is for you if…
- You have a few debts and holding it all in your head feels like a lot.
- You’ve started payoff plans before and lost momentum.
- You want one clear next step, not a wall of numbers.
- You want a real debt-free date to aim for.
- You want a plan that survives a missed month.
- You’d rather use Sheets or Excel than learn another app.
This may not be for you if…
- You want an app that links to your bank and updates on its own.
- You want someone else to manage or negotiate your debt.
- You’re looking for a loan, credit repair, financial advice, or ADHD treatment — this is a planning tool, not any of those.
- You don’t want to use a spreadsheet at all.
One clear plan. One step at a time.
Turn your debts into a plan you can see, follow, and keep up with.
What’s inside:
- The full ADHD Debt Payoff Tracker System
- Google Sheets + Excel
- “Today’s one step” dashboard + your debt-free date
- Snowball vs Avalanche comparison
- Payoff order + 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.
Nothing resets. The plan is still there when you come back; you just pick up where you left off. It's built to be easy to return to.
Yes. The dashboard names the exact payment to make now — which debt, and how much plus the order for everything else.
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.
Up to 15. A 0% debt is fine — just enter 0 for the rate. Need more? Contact us and we'll extend it.
Yes. Set any start date and your plan builds from there.
No — it's an estimate based on the numbers you enter, and it assumes you follow the plan. Update anytime for a fresh date. The value is the clarity and the direction.
Ready to see your debt-free date?
Everything you need to turn your debts into one clear plan — one step at a time.
- The full ADHD Debt Payoff Tracker System
- Google Sheets + Excel
- Today's one step + your debt-free date
- Snowball vs Avalanche + payoff order
- Instant access
Complete Your Order
Instant access, delivered to your email.
ADHD Debt Payoff Tracker System
- Google Sheets + Excel
- Instant download
- Lifetime access, no subscription
