Paying minimums and not getting anywhere? Without an order and an end date, debt drags on. List your debts once and see your debt-free month tonight. Start now.

What it is: an Excel and Google Sheets workbook for up to 10 debts. Enter balances, APRs, minimums and one monthly budget; it plans every month for both snowball and avalanche, shows your debt-free month, the payoff month of each debt and the estimated interest, and tracks what you actually pay. Includes a free printable debt list worksheet.

What you get:
• Your debt-free month and months to go, calculated for you
• Snowball and avalanche side by side, with the interest difference
• Payoff month for every debt, with automatic roll-over
• Budget check and a 60-month payment tracker
• Excel and Google Sheets: no app, no subscription, no bank login

Interest is estimated monthly; your lender’s figures may differ slightly. This is a planning tool, not financial advice.