Enter your cards once and see which one to pay first. Pick avalanche (least interest) or snowball (quick wins), see this month’s payment per card, your estimated months to payoff, and track your total debt every month.

What you get:

• A spreadsheet (Excel or Google Sheets) with 4 tabs: Start Here, My Cards, Payoff Order, Monthly Tracker
• Works for up to 10 cards, with example data you can overwrite
• Instant download, no subscription

This is a planning tool, not financial advice. Estimates assume no new purchases; your statement is the final word on balances and interest.