debt payoff toolkit · $19 · one-time
Your debt-free date, computed. Both routes, compared honestly.
Enter your debts once — balance, APR, minimum — and the extra you can add each month. The toolkit builds both payoff plans with real rollover math and shows you exactly what choosing snowball over avalanche costs (usually less than the internet argues about).
Instant download · light + dark editions · 30-day guarantee
The Compare tab is the whole point.
| Snowball | Avalanche | |
|---|---|---|
| Debt-free in | 25 months | 24 months |
| Debt-free date | Aug 2028 | Jul 2028 |
| Total interest (≈) | $3,650 | $2,820 |
| First debt gone in | 3 months | 3 months |
Snowball pays smallest balance first — early wins, momentum, the method most people actually finish. Avalanche pays highest APR first — mathematically cheapest. The toolkit doesn't preach either; it prices the difference for your debts and lets you pick with open eyes. When a debt clears, its whole payment rolls into the next — the plans account for every rolled dollar.
What's in the download.
- debt-payoff-toolkit-light.xlsx / -dark.xlsx — up to 10 debts, both strategies, the Compare verdict, per-debt payoff months and rollover payments.
- getting-started.pdf — setup in two steps (it's genuinely two steps).
Estimates use fixed APRs and whole-month rounding and assume no new charges — the honest fine print is printed right on the sheet. It's an organizational tool, not financial advice.
Fair questions.
How is this different from the free snowball calculator?
The free version tracks your list and focus debt honestly. The toolkit computes complete multi-debt plans for both strategies — focus order, rollover payments, months per debt, total interest — and compares them. It answers "when am I done and what does my choice cost," which the lite version can't.
What about 0% promo APRs or new charges?
You can model a 0% debt (it handles zero APR fine). Promo expirations and ongoing charges aren't simulated — enter the post-promo APR to be conservative, and treat outputs as estimates. The sheet says this on its face rather than pretending.
More than 10 debts?
Combine the small ones or email us — support@paydaysheets.com — and we'll help you extend it. It's a spreadsheet; it can grow.
Does the $39 kit include this?
Yes — the Complete Money Kit includes the toolkit, the Payday System, and two kit-only extras, for $9 less than buying both separately.