<h2>Stop Guessing When You'll Be Debt-Free</h2><p>Most people have no idea how much interest they're actually paying. This calculator shows you <strong>exactly</strong> when every debt hits zero — and how much faster you can get there.</p><p><strong>What's inside:</strong></p><ul><li>Dashboard with total debt overview, progress tracker, and motivation section</li><li>Snowball method sheet (smallest balance first — for momentum)</li><li>Avalanche method sheet (highest interest first — saves the most money)</li><li>Complete debt inventory with monthly interest calculations</li><li>Payment log to track every dollar paid</li></ul><p><strong>Works for:</strong> Credit cards, student loans, car payments, medical bills, personal loans — any debt.</p><p>Yellow cells = your inputs. Green cells = automatic calculations. Start in under 2 minutes.</p>