Debt-Free From "I can't look" to a plan, in 3 steps.
Open the sheet in Google Sheets or Excel. Your data stays private, with you.
Balance, interest, minimum payment. That's all it needs.
See your debt-free month, which debt to attack, and what to pay each month.
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 calendarPlan what you can afford and what to pay each month.
- 📘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.
Sound familiar?
Know what to pay, which debt to target, and when the plan may end
Debt can feel impossible to plan when every account has a different balance, interest rate and minimum payment. The Debt-Free Date System puts those numbers in one place. Enter the information from your statements, choose a monthly amount you can afford, and compare two common repayment strategies. The sheet estimates a payoff month and shows how extra payments could change it.
Compare snowball and avalanche with your own debts
Debt snowball directs extra money to the smallest balance, so you may see an account paid off sooner. Debt avalanche directs it to the highest APR, which generally reduces interest under the same assumptions. The spreadsheet lets you view both paths. Your choice can reflect both the math and the plan you can follow. For a fuller explanation, read our snowball versus avalanche guide.
Test a payment that fits your budget
If you can add $25, $50 or $100 per month, the what-if view helps you see how the estimated date changes. Start with a payment you can repeat after essential bills and a small buffer. The sheet cannot know about new purchases, future rate changes or unexpected costs, so update it when your statements change. If you cannot cover required minimums, contact your card issuer first; our credit card hardship guide explains the immediate steps.
Turn the forecast into a monthly routine
The included payment calendar and progress tracker help you turn a distant debt-free date into the next payment. The 30-day guide helps you organize accounts, review spending and ask about a lower APR. This is a self-directed educational tool: you keep your own copy of the spreadsheet, and your account numbers do not need to be entered into this website.
Start with the question you are asking today
Practical, sourced articles for paying off credit cards and building a realistic plan.
- Debt-Free Date spreadsheet
- Snowball vs Avalanche + What-if
- Budget + payment calendar
- 30-day plan + 50 AI prompts
- Lifetime access & free updates
Don't love it? Reply to your receipt email within 7 days for a full refund. 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?
Reply to your receipt email 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.
Is this a free debt payoff calculator?
No. The Debt-Free Date System is a $27 one-time purchase. It includes a spreadsheet and guide you can use in your own Google Sheets or Excel account. The blog guides are free.
Is the debt-free date guaranteed?
No. It is an estimate based on the balances, rates and payments you enter. New charges, fees or rate changes can move the date.