Original price was: $8.99.$4.99Current price is: $4.99.
Snowball and avalanche computed side by side from your real debts, with a true rolling payment. Shows what paying only the minimum actually costs, which most templates understate by years.
Instant digital delivery. One purchase, one file, no subscription. Full refund within 14 days if it does not do what this page says it does.
A 4,500 balance at 24.99% APR, paying the 3% minimum.
Most payoff templates will tell you 48 months and 2,634 in interest, because they assume a fixed payment. Your minimum is not fixed. It falls as the balance falls, which is exactly why it takes so long.
Calculated properly, that balance takes 183 months and costs 6,353 in interest.
Fifteen years. Understated by 135 months and 3,719.
This workbook does that calculation for every debt you enter.
Both are computed from your actual debts, with a true rolling payment. When one debt clears, its payment moves to the next. Most templates calculate each debt in isolation and quietly overstate how long you will be paying.
On the sample data, paying each debt separately takes 78 months. Rolling the payments with the snowball method takes 50.
You see months to debt-free and total interest under each method, and what adding a fixed extra amount every month does to both.
Runs in Google Sheets. One menu command builds the whole workbook, with sample debts already loaded so you can see how it works before entering your own.
One purchase, one spreadsheet in your own Drive. No subscription, no account to keep, no monthly fee.
Copy the file, reload it once, run a single menu command. Nothing to configure and no setup wizard.
Every figure that changes your plan shows how it got there, in the sheet, before anything is rewritten.
The script reads and edits that one spreadsheet. No email, no other Drive files, and nothing is collected by us.
Google Sheets only. Excel cannot run the automation. Menu commands need a desktop browser, and day to day use works on mobile.
Immediately, as a link to the workbook and a setup manual. You copy the file into your own Google Drive and it is yours from that point.
No. The automation is Google Apps Script, which only runs inside Google Sheets. Opening the file in Excel gives you a spreadsheet with no menu and formulas that will not resolve.
Reload the file first, because the menu only appears after the first reload. If that does not fix it, support goes to a person and you get a reply rather than a ticket number.
Within 14 days, if the workbook will not build or does not do what this page says it does. The one exclusion is buying it for Excel, which is stated here, in the terms, and on How it works.
