Paying every month but the balance won't move? See the exact month you'll be debt-free.

Takes 5 minutes. Plus which debt to pay first, and how much interest you'll save.

Get my Debt-Free Date – $27 →

Instant downloadGoogle Sheets & Excel7-day full refund

Your debt-free date

March 2029

$16,560 of $23,000 paid

🎉 Credit card PAID OFF

🎯 Car loan Next up

Student loan Jan 2029

Interest saved$4,139

+$100/mo5 months sooner

How it works

From "I can't look" to a plan, in 3 steps.

Make your copy

Open the sheet in Google Sheets or Excel. Your data stays private, with you.

Type your debts

Balance, interest, minimum payment. That's all it needs.

Get your date

See your debt-free month, which debt to attack, and what to pay each month.

Snowball vs Avalanche

Snowball Nov 2029 · $2,263

Avalanche Nov 2029 · $2,241

What if I add $100/month?

5 months sooner

What you get

Everything to finally see the finish line.

📅
Debt-Free Date spreadsheetSnowball or Avalanche, done for you. Exactly what to pay on each debt, every month.
⚖️
Snowball vs Avalanche, side by sideSee which gets you out faster and which saves more.
🚀
"What if I pay more?" calculatorSee how many months an extra $100 a month cuts off.
🗓️
Budget page + 12-month payment calendarKnow what you can afford and exactly what to pay, and when.
📘
30-day plan + 50 AI prompts (PDF)Scripts to lower your APR, negotiate bills and find extra income.
🎉
Progress trackerLog every payment and watch the bar fill up.

Made for you if…

Sound familiar?

I avoid opening my statements.

I pay every month, but the balance barely moves.

I don't know which debt to pay first.

One-time payment

~~$49~~

$27

Debt-Free Date spreadsheet
Snowball vs Avalanche + What-if
Budget + payment calendar
30-day plan + 50 AI prompts
Lifetime access & free updates

Get instant access →

🛡️

7-day full refund.
Don't love it? Email us within 7 days and get every cent back. No questions.

Questions

Do I need Excel?

No. It works free in Google Sheets. Excel works too.

Do you see my numbers?

Never. You make your own private copy. Your data stays with you.

How do I get it?

Right after payment you land on the download page, and you get a receipt by email.

What if it's not for me?

Email us within 7 days for a full refund. No questions asked.

Is this financial advice?

No. It's an educational tool that does the math for you.

Your debt-free date $27 →