Enter your debts below. Find out exactly when you'll be debt-free and how much interest each payoff method costs you — the snowball vs the avalanche. Then keep it all on track with the full workbook.
Calculate my payoff — freeAdd your debts, set what extra you can put toward them each month, and compare both methods. Nothing is sent anywhere — it runs right in your browser.
| Debt | Balance | APR % | Min / mo |
|---|
Both roll every freed-up payment onto your next debt. They just differ on the order.
Attack the smallest balance first. You clear whole debts fast, which keeps you motivated — but you may pay a little more interest.
Attack the highest APR first. Mathematically cheapest — the least total interest — though the first win can take longer.
Read the complete snowball vs avalanche guide → — real worked numbers, the behavioral research, and a hybrid plan.
One file you own — opens in Excel and imports straight into Google Sheets. Every number is a live formula, not a screenshot.
The same snowball/avalanche engine as above — flip a dropdown to compare, see your debt-free month and total interest update instantly.
Income vs. expenses by category, with a live "left to budget" so every dollar has a job.
Save ahead for the irregular bills (car, holidays, insurance) that wreck a budget.
Track assets minus debts over time, plus a savings challenge that quietly stacks ~$1,378.
Stop rebuilding spreadsheets. Own the whole system once.
↩ 7-day money-back guarantee. Download it, try every tab — if it doesn't help you pay off debt faster, just reply to your receipt for a full refund, no questions asked.
No guarantees and no fake testimonials — just an honest, well-built tool that does the math for you.
For a one-time look, yes — that's why it's free. The workbook is for living with the plan: budget every month, track sinking funds and net worth, and watch your real debt-free date move as you pay things down. It's the difference between a snapshot and a system.
Both. You get an .xlsx that opens in Excel, Numbers, or LibreOffice, and imports cleanly into Google Sheets (File → Import). Every formula carries over.
No spreadsheet can promise that. What it does is show you the fastest, cheapest path and keep the math honest so you can stick to it. The discipline is still yours.
A single .xlsx file, downloaded instantly after checkout. No accounts, no add-ons, no upsells.
If it's not useful, email within 7 days for a full refund.
See exactly how long a balance takes to clear at today's card rates — minimum vs extra payments.
Guides: Snowball vs avalanche → · Pay off credit card debt fast → · Make a debt payoff plan →