Know your actual debt-free date.

A real month-by-month payoff simulation — not a rough guess. See exactly when you'll be debt-free, and how much interest you'll actually pay.

Get the Planner →

Excel and Google Sheets · AUD format · No bank login required

The problem

Minimum payments feel endless, and it's hard to see the finish line.

You don't know your real payoff date

Minimum payments alone can take years longer than they need to.

Extra payments feel abstract

Putting an extra $50 toward debt each pay — but no way to see what difference it actually makes.

Snowball or avalanche? Hard to tell

Both strategies get recommended, but without real numbers it's impossible to know which suits you.

How it works

A real simulation, not a guess.

List your debts

Balance, interest rate, and minimum payment for each one.

Pick your strategy

Snowball (smallest balance first) or Avalanche (highest interest first).

See your real payoff date

A month-by-month simulation shows exactly when you're debt-free, and what it costs in interest.

Take a look inside

See exactly what you're getting.

Debts

Every debt, automatically prioritised

List balance, rate, and minimum payment — the planner ranks which to attack first based on your chosen strategy.

Dashboard

Watch the balance drop to zero

A real payoff curve, months to debt-free, and total interest — calculated exactly, not estimated.

Who it's for

Designed for people who...

This is for you if you:

Have more than one debt and aren't sure what order to tackle them
Want to know your actual debt-free date, not a guess
Are deciding between snowball and avalanche
Prefer Excel or Google Sheets
Don't want to connect your bank account

This isn't for you if you want:

A live bank-syncing app
Debt consolidation or refinancing advice
Personalised financial advice

Built from real budgeting frustrations

This planner exists because minimum payments alone can feel like they'll never end, and generic advice about snowball vs avalanche doesn't tell you your actual numbers. This shows you exactly what your own numbers do.

Pricing

One simple price. No subscription.

Debt Payoff & Savings Planner

$14.95

one-time payment

Excel version
Google Sheets compatible
Snowball or Avalanche method, your choice
Freed-up minimum payments automatically roll to the next debt
Total interest calculated exactly, not estimated
Visual payoff curve chart
Bank statement import (CSV or PDF)

After payment, you'll receive immediate access to the downloadable file and setup instructions.

By completing this purchase, you agree to the Terms and Conditions and acknowledge the Privacy Policy.

FAQ

Questions before you buy

Is this an Excel file?

Yes. It works fully in Microsoft Excel, and just as well in Google Sheets.

Does it connect to my bank?

No. You enter your debts yourself — balance, rate, minimum payment.

Does it recommend consolidating or refinancing?

No. This is purely a payoff planning tool — it doesn't recommend any specific financial product.

What's the difference between Snowball and Avalanche?

Snowball pays off the smallest balance first for quick wins. Avalanche pays off the highest interest rate first, which saves the most money. You choose which one to use.

Is this financial advice?

No. This is an educational planning tool, not personalised financial advice.

What happens after I purchase?

You get immediate access to the downloadable file and a short setup guide.