← ALL PRODUCTS

Chart your course out of debt — an Excel calculator that ranks your debts, estimates your debt-free date, and finds the extra payment hiding in your budget, paired with a 6-page printable binder that keeps you motivated.

GET IT ON ETSY

EXCEL CALCULATOR

5 linked tabs — Start Here, My Debts, Monthly Budget, Payoff Plan, Savings Tracker. Every number calculates automatically.

PRINTABLE PDF BINDER

6 pages — cover, monthly budget, debt tracker, debt-free coloring chart, $1,000 emergency fund challenge, and a yearly bill checklist.

SCREENSHOTS

PRINTABLE BINDER — branded cover page

MY DEBTS — totals, weighted APR & monthly interest cost, automatic

PAYOFF PLAN — debt snapshot and estimated debt-free date

MONTHLY BUDGET — finds your extra debt payment

PROGRESS CHART — color in a square for every 1% paid off

EMERGENCY FUND CHALLENGE — 30 deposits to your first $1,000

FEATURES

SNOWBALL & AVALANCHE

Both payoff methods, auto-ranked from your debts. Quick wins or maximum interest savings — pick your strategy.

DEBT-FREE DATE

Enter your extra monthly payment and see your estimated payoff month — watch it move closer as you pay more.

BUDGET THAT FEEDS THE PLAN

The monthly budget tab calculates what's left over and feeds it straight into your payoff plan.

TRUE COST OF DEBT

See exactly what your debt costs you in interest every month — the number that makes the plan stick.

MOTIVATION BUILT IN

A 100-square coloring chart, a savings challenge, and a "My Why" page — because paying off debt is a habit, not a formula.

NOTHING TO INSTALL

Works in Excel and Google Sheets. Print the binder at home on any printer, US Letter.