Digital tools

Tools built for your financial goals.

One-time purchase Excel tools. No subscriptions, no apps to download, no cloud access to your numbers.

1 tool available

Debt Payoff Manager

Personal Finance · Excel ToolsEtsy

Debt Payoff Manager

Stop guessing. Start winning. Know exactly when you'll be debt-free.

$7 USDOne-time

An Excel tool that runs Snowball vs Avalanche comparisons, models extra repayments, windfall lump sums, and interest rate changes — all in one click. Includes a full PDF user guide.

Personal Finance · Excel ToolsAvailable on Etsy

Debt Payoff Manager

Stop guessing. Start winning. Know exactly when you'll be debt-free.

One-time$7 USD
Instant Download

An Excel tool that runs Snowball vs Avalanche comparisons, models extra repayments, windfall lump sums, and interest rate changes — all in one click. Includes a full PDF user guide.

Files: .xlsm + PDF Guide · Excel 365 · Windows only

Priced in USD · your currency shown at checkout

Preview

Debt Payoff Manager

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What it does

  • 01Snowball vs Avalanche strategy comparison in one click
  • 02Extra repayment simulator — model $50, $100, $200+ extra per period
  • 03Windfall / lump sum simulator — tax refund, bonus, inheritance
  • 04Interest rate change simulator — see impact of rate rises
  • 05Full amortisation schedule for every debt
  • 06Promotional rate / balance transfer support
  • 07Live KPI dashboard — debt-free date, remaining balance, total interest
  • 08Orbital Debt by Type chart + 3D Debt by Instrument chart
  • 09Progress donut charts per debt
  • 10Up to 4 debts tracked simultaneously
  • 11Includes PDF User Guide (23 pages)

Compatibility

  • Excel 365 · Windows Desktop
  • Google Sheets — not supported
  • Mac — not supported
  • Mobile / tablet — not supported

What's included

  • Debt Payoff Manager v1.3 (.xlsm)
  • PDF User Guide v1.5 (23 pages)
  • Instant download after purchase

For personal planning purposes only. Not financial advice.

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.