The Debt Kill Plan

Your debt has an exact end date. Most people never see it, so they guess, they hope, and they keep paying minimums while the balance barely moves.

The Debt Kill Plan is a debt payoff spreadsheet that shows you the month of your final payment, in big letters, the moment you enter your debts. Type in up to 15 balances, APRs, and minimum payments. Pick snowball, avalanche, or your own custom attack order. The sheet builds your full 60-month payoff schedule with automatic rollover: every time a debt dies, its payment rolls into the next target without you lifting a finger.

The killer feature is the What-If Simulator. Type any extra monthly payment and any lump sum, and watch your debt-free date move in real time, with months saved and interest saved shown live against minimums only. An extra $50 a month moves the date more than you think. Now you can see it before you commit.

You also get a Payment Allocator that splits one fixed monthly budget across your debts the smart way, a Milestone Tracker with progress bars and 25/50/75/100% markers for every debt, and the Stuck Debt Playbook for the worst case: when a minimum payment does not even cover the monthly interest. It includes a word-for-word creditor call script, balance-transfer break-even math, and a hardship checklist.

The printable companion gives you a fill-in debt-free-date poster for the fridge, a 24-month wall tracker, and "Debt Killed" certificates, one per debt.

Details: macro-free .xlsx spreadsheet (7 tabs), works in Excel, Google Sheets, and LibreOffice. No macros, no external links, your data never leaves the file. US Letter printable PDF included. Instant download. From Solo Ledger. Support: vdemetre0@gmail.com

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debt payoff spreadsheet, debt snowball calculator, debt avalanche spreadsheet, debt free date calculator, what if debt simulator, payoff schedule excel, google sheets debt tracker, minimum payment trap, balance transfer calculator, debt milestone tracker, printable debt tracker, Solo Ledger