3 Free Web Tools

Three Free Tools for
Planning a Debt Payoff

A payoff calculator, a snowball tracker and a monthly budget tool. They run in a web browser. Free with an email sign-up.

Debt Payoff Calculator
Shows an estimated debt-free date
Example numbers
Total Debt $15,400
Interest Rate (APR) 19.99%
Monthly Payment $450 / mo
Debt-Free Date LOCKED
Total Interest LOCKED

Enter your email to unlock the full calculator

Get Free Access
Monthly Budget Template
A budget planner that runs in the browser
Example numbers
Monthly Income $4,200
Housing$1,200
Food & Groceries$380
Debt Payments$650
Leftover / Savings LOCKED

Enter your email to unlock the full template

Get Free Access
Debt Snowball Tracker
Tracks progress, smallest balance first
Example numbers
Credit Card · $800 92%
Store Card · $1,40048%
Car Loan · $6,20011%
Overall progress LOCKED
Total paid off LOCKED

Enter your email to unlock the full tracker

Get Free Access

Free Instant Access

Unlock All 3 Free Tools

The links to all three tools open on the next page and also arrive by email.

Debt Payoff Calculator: shows an estimated debt-free date
Monthly Budget Template: income, expenses and what is left over
Debt Snowball Tracker: progress on each debt, smallest balance first

A few short emails follow, including one about our paid workbook. No spam. Unsubscribe at any time.

About the Tools

Simple, Practical and Free to Use

Three Free Tools

The three tools are free. We also sell one paid workbook. Nobody has to buy it to use the free tools.

Runs in a Web Browser

The free tools are web pages, not spreadsheet files. They open in a web browser, with nothing to download or install.

Snowball or Avalanche

The calculator can order debts by smallest balance first (snowball) or highest interest rate first (avalanche).

About This Site

Financial Clarity Shouldn't Require a Financial Advisor

DebtSpreadsheets.com makes plain tools for planning a debt payoff. The three free tools on this page run in a web browser and work from the numbers typed in, so their dates and totals are estimates. We also sell one paid workbook. Nobody has to buy it to use the free tools. We're not financial advisors. This is general education, not personal advice.

How the Tools Fit Together
1
List the Debts
Balances, rates and minimum payments go into the calculator.
2
Pick an Order
Snowball or avalanche. The calculator builds a month-by-month schedule.
3
Update Each Month
The tracker shows progress as new balances are entered.