It's hard to stay motivated when the finish line is invisible. Enter your balance, rate, and monthly payment to see your real debt-free date and the total interest you'll pay — then see what happens when you pay a little more.
A clear plan to clear every balance — snowball or avalanche.
Secure checkout via Stripe · Google Sheets & Excel · instant delivery by email.
We use standard loan math: your monthly payment against your balance and interest rate tells us exactly how many payments it takes to reach zero, and how much of that is interest.
Avalanche (highest rate first) saves the most interest; snowball (smallest balance first) gives quicker wins for motivation. The tracker shows both so you can choose.
A ready-to-use spreadsheet (Google Sheets + Excel): list your debts, compare payoff strategies, set a budget, and watch your debt-free date move closer — delivered instantly after checkout.