# Journey Start!

**Debt Payoff & Debt-Free Journey Planners**

*Start Your Journey. Track Every Step. Become Debt-Free.*

Two complete spreadsheets in one bundle. Pick the smartest payoff strategy for your debts, then follow your progress every month, from your first payment to your final one. Just enter your numbers and everything else updates automatically.

**What's Inside**

Debt Freedom & Payoff Planner

- 📋 **Debt Tracker**: track up to 15 debts with balance, APR, and minimum payment

- ⚔️ **Avalanche vs. Snowball**: compare both strategies side by side to see your debt-free date and total interest

- 🗓️ **Month-by-Month Payment Schedule**: a full plan for whichever strategy you choose

- 🚩 **Milestones**: see exactly which month each debt gets cleared

Debt-Free Journey Planner

- ⏳ **Debt-Free Countdown**: see how many months until your final payment, with a projected debt-free date

- 🗒️ **Monthly Payment Log**: record every payment and compare it to your plan

- 🏆 **Milestone Tracker**: celebrate every debt you clear, with your own notes

- 💰 **Interest Saved Calculator**: see how much interest extra payments save versus paying only the minimum

- 📈 **Net Worth Tracker**: watch your net worth improve as your debt disappears

Both workbooks include a live dashboard with KPI cards and interactive charts.

**Why You'll Like It**

Everything recalculates instantly. Change your balances, rates, or extra payments and every schedule, countdown, and chart updates automatically, with no manual work required. Choose your strategy, log every payment, and watch your debt shrink in one connected toolkit.

**What's Included**

- 2 spreadsheets in one bundle

- Instant .xlsx download

- Compatible with Microsoft Excel 2016+, Microsoft 365, and Google Sheets

- Works on all devices

- No macros, plugins, or add-ons needed

- Works with any currency, with no symbol hard-coded

- Built-in user guide and sample-data preview sheets in every workbook

- Clean, color-coded inputs so you always know what to edit

- Lifetime access and all future updates

**Who It's For**

Anyone beginning their journey out of debt: people juggling credit cards, personal loans, or auto loans, and people already committed to paying off a specific balance. This bundle gives you the real numbers instead of guesswork.

**One-time payment, lifetime access & updates**