Money Reset — Debt Payoff & Budget Tracker (No Spreadsheet Needed)

Getting out of debt shouldn't require a Google account, a stack of formulas, or a spreadsheet you're scared to touch.

Money Reset is a debt-payoff and budget tracker you just open — type in your balances, and it instantly shows you your debt-free date, the interest you'll pay, and how much faster you'll finish if you throw a little extra at it.

What's inside:

• Dashboard — a live progress ring, total debt remaining, your projected debt-free date, and interest left to pay
• Snowball vs. Avalanche toggle — switch strategies and watch every payoff date recalculate instantly
• Extra-payment slider — drag it and see how much interest you save and how many months you cut
• Debts tab — list every card, loan, and balance; each row shows its own payoff date and total interest
• Budget tab — income minus expenses shows your "free to attack debt" number, with one click to apply it
• Per-debt progress bars so you can watch each balance disappear
• Multi-currency — $, £, €, and more
• Your data saves automatically in the browser and is there when you come back

Who it's for: Perfect if you're doing a money reset after a life change — a new baby, a divorce, a job change, or just a "no more of this" moment — and you want a plan you can actually see, without wrestling a spreadsheet.

Format & compatibility:

• A single interactive file (.html) — no app, no login, no Google account, no Excel required
• Opens in any modern browser on computer, phone, or tablet (Chrome, Safari, Edge, Firefox)
• Nothing installs; nothing is uploaded — your numbers stay on your own device
• Not a printable PDF and not a Google Sheet — this is a working tool, which is the whole point

How it's delivered: Instant download after purchase. Save the file, double-click to open it in your browser, and start typing. A short "start here" note is included.

## Every other debt tracker hands you a spreadsheet and wishes you luck. Money Reset does the math the moment you open it — so the only thing left to do is start paying it down.