Kindly BudgetSee the exact month you'll be debt-free.
The Debt Payoff Planner turns your balances into a month-by-month plan — snowball or avalanche — with a real debt-free date and the interest you'll avoid.
Secure checkout by Polar · Card, Apple Pay, Google Pay · Love it or it's free (14 days)
- Snowball & avalanche, compared with your numbers
- Google Sheets, Excel & Numbers + printables
- Instant download · $, £, €, CA$, A$
Paying and paying… and the balance barely moves.
- You pay the minimums every month, but the interest eats most of it.
- You have five balances and no idea which one to attack first.
- Every extra $50 disappears because there's no plan telling it where to go.
- "When will this be over?" doesn't have an answer. That's the worst part.
Debt isn't a character flaw. It's a math problem — and math problems have a finish line.
When every dollar has a place in line, the balances start falling faster than you'd believe. You don't need to earn more to start — you need a plan you can see.
The Snowball Countdown
Your total monthly debt budget never goes down. Here's what happens every month:
List
Enter each debt once: balance, APR and minimum payment.
Order
Choose snowball (smallest balance first) or avalanche (highest interest first). The planner compares both with your numbers.
Roll
Minimums on everything; every extra dollar goes to debt #1. When it's gone, its payment rolls into debt #2 — the snowball grows.
Count down
Your Payoff Plan shows what to pay each debt, every month, until your debt-free date.
Real screenshots, real formulas.
What's inside
- Dashboard: debt-free date, months to go, interest you'll avoid vs. minimums, % paid off
- Snowball vs. avalanche comparison calculated with YOUR debts
- Payoff Plan: what to pay each debt, every month, for up to 8 years (the green cells show where your extra goes)
- The order your debts get paid off, with a payoff month for each
- Room for 12 debts: credit cards, store cards, car, student, personal, medical, BNPL
- Chart of your total debt falling over time
- 8 printable pages (US Letter + A4): debt list, strategy worksheet, payment tracker, 100-square countdown, 8 coloring thermometers, milestones & rewards
- 5 currency versions: $, £, €, CA$ and A$
Formats: Excel .xlsx — Google Sheets, Excel and Numbers · Printable trackers PDF — US Letter + A4 (8 pages) · 5 currency versions: $, £, €, CA$, A$
How it works
Checkout
Secure checkout by Polar with card, Apple Pay or Google Pay.
Download
Planner and printables arrive instantly by email.
Plan
Type your debts from your statements — about 10 minutes — and get your date.
or it's
free
Love it or it's free
If the planner doesn't give you a clearer path out of debt, email us within 14 days of your first purchase for a full refund.
Good questions
Snowball or avalanche — which is better?
Avalanche usually costs a bit less interest; snowball gives faster wins. The planner calculates both with your own debts, so you can choose the one you'll stick with.
What if I can't pay extra right now?
Start with 0 extra — the plan still rolls freed-up minimums into the next debt. Even small extras later move your date.
Does it handle 0% APR or medical bills?
Yes. Any balance with a minimum payment works, including 0% promos and payment plans.
Do I need Excel?
No — free Google Sheets works (on your phone too), as do Excel and Apple Numbers. Printables are included.
Is this financial advice?
No. It's an educational planning tool. Interest is estimated monthly from your APR, so your lender's statements may differ slightly.
Your debt-free date exists. Let's find it.
Ten minutes with your statements and you'll know the month — and the plan to get there.
Not ready yet? Grab the free Subscription Audit.
Secure checkout by Polar · Card, Apple Pay, Google Pay · Love it or it's free (14 days)
Kindly Budget products are educational tools, not financial advice. Example numbers are for illustration only.