Debt Payoff Planner
Snowball, avalanche or your own order: see what to pay on every debt this month, the date you become debt free and how much interest you save.
Try it here
A live demo of the app with a made-up example. Nothing you do here is saved or sent anywhere. In your download you start with an empty planner of your own.
Protected by ZeroUploadThe app works on your device. Your entries are never uploaded.
What it does
Your debt-free date
- The month the last debt is paid
- How many months sooner than minimums
- The interest you save
Snowball or avalanche
- Smallest balance first
- Highest interest first
- Or your own order
What to pay this month
- The minimum on every debt
- The extra goes to the focus debt
- Up to 10 debts
Watch it shrink
- Log every payment
- How much of each debt is paid off
- A month-by-month plan for 10 years
Inside the download
Questions
Where do I buy?
On Etsy only: every “Buy on Etsy” button opens our EnveloSheets shop. After payment Etsy gives you the download right away. This site does not take payments.
What is in the download?
A START HERE guide and an archive with folders for Excel, Apple Numbers, Arabic and the app. The guide has a button for every look that makes your own copy in Google Sheets.
Where is the example?
In every file: your empty planner comes first, then a tab called Example with a filled-in sample. The example never mixes with your numbers.
Do I need an account or a subscription?
No. You pay once on Etsy. The spreadsheets and the app work on their own, without any account.
Where is my data?
In your own file: your Google Drive copy, your Excel or Numbers file, or the app on your device. We never see your numbers.
Can I move my entries between the app and the spreadsheet?
Yes. In the app: Settings → “Import from Envelo Excel” and “Export to Envelo Excel”. Only your entries move; the spreadsheet does its own math. From Numbers or Google Sheets, save the file as Excel (.xlsx) first.
Does changing the currency convert my amounts?
No. It changes the symbol only; the amounts stay exactly as you type them.
Are the formulas locked?
In Excel and Numbers the formula cells are locked against accidental typing. In your Google Sheets copy they show a warning before you change them – the copy is yours, so you can still edit everything.
Which languages?
English, Spanish, French, German, Portuguese, Italian, Dutch, Polish, Russian and Hindi in one file, plus a separate right-to-left Arabic file.