What's inside the Debt Payoff Planner
The planner has three tabs. Start Here walks you through it in under a minute. My Debts is where you list each creditor, balance, interest rate and minimum payment — and it instantly ranks them by both the snowball method (smallest balance first, for motivation) and the avalanche method (highest rate first, to save the most money). Payoff Schedule models a single debt month by month so you can see exactly when it clears and how much interest you'll pay, and watch both shrink as you raise your payment.
Why a spreadsheet when the calculators are free?
The free calculators are perfect for answering a single question in your browser. The planner is for people who want everything in one saved file they own — all their debts together, editable offline, with their real numbers persisted. If that's you, it's the fastest way to turn a pile of statements into a clear plan.
How delivery works
Checkout and download are handled by our secure storefront. After payment you get an instant download link and a copy by email — no account required. It's a one-time purchase, yours to keep and reuse.
Templates are for general informational purposes only and are not financial advice. Results are estimates based on the figures you enter and assume a fixed interest rate. Payment, delivery and refunds are handled by our third-party storefront. © 2026 Kontio Power, LLC.