Description
The Plan Most People Are Missing
Paying off debt without a calculator is like driving without GPS. You know you need to go somewhere, but you’re guessing at every turn.
Here’s what actually happens without one: you pay minimums for 3 years, feel like you’re making progress, check the balance, and it’s barely moved. That’s because interest is eating the payments alive.
This calculator changes that. Enter your debts once. See both strategies, avalanche and snowball, built out month by month. Know exactly what you owe, when it ends, and what happens if you throw an extra $100 at it.
What You Get
Debt Input Sheet: Enter up to 20 debts. Balance, interest rate, minimum payment. That’s it.
Avalanche Payoff Schedule: Highest interest rate first. Lowest total interest paid. Best for saving money.
Snowball Payoff Schedule: Smallest balance first. Fastest early wins. Best for staying motivated.
Side-by-Side Strategy Comparison: See which method gets you debt-free sooner and the interest cost of each. Pick the one that fits your situation.
Extra Payment Modeler: What does adding $50/month do? $100? $200? See the numbers update in real time.
Month-by-Month Payoff Schedule: A complete breakdown of what to pay on each debt, every month, until it’s gone.
Interest Savings Summary: The true total cost of your debt under each strategy. Most people never see this number.
Estimated Debt-Free Date: The exact month and year you could be done. Put it in your calendar.
How It Works
- Download instantly after checkout. One email, one link, done.
- Open in Microsoft Excel or free Google Sheets.
- Enter your debts: balance, rate, minimum payment.
- Read your plan. Both strategies are built automatically.
No setup. No formulas to build. No learning curve. Open it, fill it in, and you’ll know more about your debt in 10 minutes than most people learn in years.
Who This Is For
- Anyone carrying credit card debt on 2 or more cards
- Student loan borrowers trying to find the fastest path out
- People who’ve tried budgeting but feel like the debt never moves
- Anyone who wants one clear plan instead of guessing every month
- Couples who need a shared document to stay on the same page
Who This Is NOT For
- People with one single debt (you don’t need a comparison tool for one balance)
- Anyone looking for budgeting or investing features (those are in the Spreadsheet Pack)
Frequently Asked Questions
Is this a subscription? No. One-time payment. You own it forever.
Does it work with Google Sheets? Yes. Fully compatible with free Google Sheets and Microsoft Excel.
How many debts can I enter? Up to 20. Works for credit cards, student loans, personal loans, car loans, medical debt, anything with a balance and a rate.
What if I’m not good with spreadsheets? You don’t need to be. Everything is pre-built. You enter numbers in the yellow cells. The calculator does the rest.
Can I share it with my partner? Yes. Upload it to Google Sheets and share the link. No extra cost.
What’s the refund policy? 30-day money-back guarantee. If it doesn’t give you a clear plan, email Bobby and he’ll refund it.
Want Everything?
The Complete Wealth Tools Bundle includes this calculator plus the Wealth Building Spreadsheet Pack and the Real Estate Deal Analyzer: all three tools for $67 instead of $81. See the Complete Bundle ($67) →
Reviews
There are no reviews yet.