Know exactly when you'll be debt-free.
Affordable Excel tools for real people — not accountants. Pay once, open in Excel, see your payoff date by Saturday.
- One-time · $7 USD
- Excel 365 · Windows
- 30-page guide included
- Priced in USD · your currency shown at checkout
Featured tool · 01 of 01
Debt Payoff Manager
An Excel workbook that tracks up to four debts, compares Snowball and Avalanche side-by-side, models balance transfers, and tells you exactly when you'll be debt-free. With a 30-page illustrated guide.
- 01Snowball vs Avalanche side-by-side, switch with one cell.
- 02Balance-transfer & promo-rate support — unique on Etsy.
- 03True period-by-period amortisation, not rough estimates.
- 04Extra repayment, windfall & rate-change simulators.
- 0530-page illustrated PDF guide included.
Priced in USD · your currency shown at checkout
What you get
Open the box.
Why KalqMate
Built for real people. Not accountants.
No subscription. No app to download. No 90-minute YouTube tutorial. Open Excel, type in your balances, and read your payoff date. We're your mate for personal finance — that's the whole pitch.
One price, forever.
Pay once and own it. No monthly fees, no email upsells, no "pro tier" we hold features hostage in.
Lives in Excel.
Nothing to install. Microsoft Excel 365 on Windows is all you need. Your numbers stay on your machine.
Useful on day one.
Plain-English labels, colour-coded inputs, and a 30-page illustrated guide so you're never stuck.
Common questions.
If you're stuck on whether this is the right tool for you, read these — or just email and ask.
You could be debt-free this Saturday.
Pay seven dollars, open Excel, type your balances. By the time the kettle's boiled you'll have a payoff date.
Priced in USD · your currency shown at checkout
From the blog
Guides to help you get debt-free
Good Debt, Bad Debt, and the Grey Area in Between
Not all debt is equal — but it's more complicated than mortgages vs credit cards. Here's where car loans, personal loans, and buy now pay later actually sit.
Read articleWhy Paying the Minimum on Your Debt Is Keeping You Broke
Minimum repayments feel manageable — but they're designed to keep you in debt for years. Here's what's actually happening to your money.
Read articleWhat is the Debt Avalanche Strategy?
The debt avalanche targets your highest interest rate first, saving you the most money over time. Here's how it works and whether it's right for you.
Read article