Debt Freedom Planner: Budget, Debt Payoff & Credit Rebuild Spreadsheet

See your debt-free date in 10 minutes.

Type your pay, bills and debts once, on one tab. The planner does the rest:

- Your debt-free date: Snowball vs. Avalanche side by side, with the interest each one saves.

- Bills by paycheck: see which bills to pay from which check, and when they're due.

- Spending tracker: planned vs. actual each month, with Over/Under flags.

- Emergency fund goal with a progress bar.

- Credit rebuild tracker: a 12-month plan, a card-limit-used meter and a dispute letter template.

- Number checks that warn you if something doesn't add up.

- Hard Month guide for when there isn't enough to pay everything.

WORKS IN: Excel (2010 or newer) and Google Sheets. No macros, no subscription.

EASY TO USE: Yellow boxes are the only places you type. Example numbers are filled in so you can see how it works.

WHAT YOU GET: One spreadsheet file (.xlsx), downloaded right after purchase.

NEED HELP? If the file won't open or something isn't right, email help@billhelpnow.com and we'll fix it or refund you.

This is a planning tool, not financial advice.