Personal Finance · Excel workbook · 11 sheets

Debt Payoff Planner

Replaces Undebt.it Pro / YNAB ~$12/mo save ~$144/yr 10-yr: keep ~$1,433

Replaces Undebt.it Pro / YNAB debt module (~$12/mo). Snowball + avalanche payoff system — NPER-based months-to-payoff per debt, total interest cost projection, and side-by-side strategy comparison. Make extra-payment decisions with the math in front of you, not a paywalled chart. Now includes Industry Playbook, Print Reports.

For Individuals who want to own their money data — no Plaid, no app subscriptions, just the file on their machine.
Not for Phone-first tap-logging, automatic Plaid bank syncing, or anyone who wants a notification when they overspend.
Debt Payoff Planner.xlsx · Debts Master
Debt-Free In 38 mo
Interest Saved $8.4k
Active Debts 10
Debt Type Balance APR % Min Payment Extra Payment Total Monthly Months to Payoff Interest Cost Payoff Date Strategy Priority
Visa Sapphire Credit Card $4,850 0.2299 $145 $200 Snowball 1
AmEx Gold Credit Card $2,100 0.1999 $75 $150 Snowball 2
Discover It Credit Card $3,400 0.2499 $110 0.0 Snowball 3
Federal Student Loan Student Loan $28,500 0.0653 $320 0.0 Min Only 6
START HERE Debts Master Payoff Schedule Debt Dashboard Print Reports Data Import +5 more
  • START HERE
  • Debts Master
  • Payoff Schedule
  • Debt Dashboard
  • Print Reports
  • Data Import
  • Companion Tools
  • Assumptions
+ 3 analytical & operator sheets
  • Lookup Tables
  • Industry Playbook
  • Settings & Targets
  1. 01

    Open the .xlsx in Excel, Google Sheets, or Apple Numbers

    Sample data is pre-loaded so every dashboard works the moment you open it. Look around. Click cells. See the formulas.

  2. 02

    Replace the sample data with your numbers

    Paste a CSV from Undebt.it Pro / YNAB, type directly into the input sheets, or import month by month. The workbook recomputes automatically.

  3. 03

    Read the dashboards

    11 sheets across KPI dashboards, forecasts, and traffic-light alerts. They update as you log. No buttons to press.

Can I edit the formulas?

Yes — input cells, targets, and assumptions are editable. Logic sheets stay protected so the workflow remains stable while you customise the system.

Does it work in Google Sheets?

Best in Excel. You can open the .xlsx file in Google Sheets or Apple Numbers, but review formulas, formatting, and recalculation after import.

Is this a one-time purchase?

Yes — pay once and own it forever. No subscriptions, no monthly fees, no accounts required.

What if the template is not right for me?

We offer a 7-day review window. Contact support and we will sort it out.

one .xlsx file. pay once. yours to keep, edit, and run on Excel, Google Sheets, or Numbers — no vendor can revoke access.

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