Debt Freedom Planner: Find Extra Money, Track Progress, See Your Date

Description

The Part Most Debt Tools Skip

A calculator tells you what avalanche or snowball would do with the money you already have. It does not help you find more money, and it does not keep you going in month six when the motivation fades.

The Debt Freedom Planner covers that other half: where the extra payment actually comes from, what date you are working toward, and how to track it long enough to get there.

What You Get

Debt Snapshot: A simple list of every debt you owe, balance, rate, and minimum payment, feeding everything else in the workbook.

Find Extra Money: A budget trim worksheet across seven flexible categories. Whatever you free up becomes your extra debt payment.

Debt Freedom Date: Enter your extra payment and get an estimated date you could be debt-free, plus the interest that pace will cost you.

Monthly Progress Tracker: Log your total debt balance once a month and watch a chart build itself as the number goes down.

Milestones & Vision: Track 25%, 50%, 75%, and 100% payoff milestones, and write down the real reason you are doing this.

How It Works

1. Download instantly after checkout. One email, one link, done.
2. Open in Microsoft Excel or free Google Sheets.
3. List your debts and trim your budget, once.
4. Check your projected date, then update your progress every month.

Already have the Debt Payoff Calculator? The two are built to work together: the Calculator runs the avalanche vs snowball math, the Planner finds the extra payment and keeps you on track after that.

No subscription. No login. Just a plan you can actually follow.

Educational tool only. This spreadsheet does not provide personalized financial, legal, tax, or investment advice. Results depend on your own numbers, decisions, and follow-through.

What's your biggest money question right now? Drop it in the comments below.