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.
Preview · Debts Master
| 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 |
Inside the file
- 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
How it works
-
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.
-
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.
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03
Read the dashboards
11 sheets across KPI dashboards, forecasts, and traffic-light alerts. They update as you log. No buttons to press.
Frequently Asked Questions
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.