Debt Payoff Tracker
Pay debts in the right order
Up to 10 debts, Avalanche or Snowball side by side, a payment log and your estimated debt free month.
Pure Wealth Capital
Debt payoff spreadsheet · Excel and Google Sheets
Too many debts? There’s an order to pay them.
The Financial Organization Kit · Pure Wealth Capital
Get the kit · $29One time payment · no subscription
Paying whichever card feels scariest spreads your money thin. Type your debts in once: the kit compares the two best known payoff orders and shows an estimated debt free date.
- Avalanche or Snowball, side by side
- Budget, savings and goal planners included
- No bank login. Works on your phone
Excel · Google Sheets · Apple Numbers · Instant download
Estimated debt freeJanuary 2031
What the kit does
Debts, monthly budget, savings and goals
Four spreadsheets that work together. Open any card to see the real tabs, filled with example numbers.
Budget Tracker
See what’s left before you spend it
Income, bills and spending on one screen, with every category flagged the moment it goes over.
Savings Challenge
Save a little every week, all year
52 Week, 30 Day or a custom goal. Set the amount and the whole plan builds itself, week by week.
Goal Planner
Turn a goal into a monthly number
Trip, car or down payment: the amount per month, broken into quarters, monthly plans and habits.
How to Use tab
Set up in about ten minutes
You only fill the white cells with a gold border. Every formula is already done for you.
See how it worksNot sure where to start?
Try the free debt preview with your own numbers. Nothing you type leaves this page.
Try it freeWhy the balance barely moves
Most people pay hard. The money just has no order.
When you guess
- Extra money spread thin across every card
- The 30% store card keeps growing quietly
- Minimums that barely cover the interest
- No number for what’s left this month
- No idea when it all ends
With the kit
- One clear target for every extra dollar
- Highest rate or smallest balance first, your call
- Every payment logged, the total shrinking
- What’s left this month, before you spend it
- An estimated debt free month that moves as you pay
How it works
From download to a plan
1
Get the files
Right after checkout, a download link arrives by email. Open it in Excel, Google Sheets or Numbers.
2
Type your numbers once
Debts, rates, income and bills. You only fill the white cells with a gold border.
3
Follow one target
Put every extra dollar on the debt your strategy points to, log it and watch the date move.
Free preview
Try it on your own debts
A quick version of the math inside the Debt Payoff Tracker. Swap our example numbers for yours. Nothing you type leaves this page.
DebtBalanceRateMinimum
Extra per month
Strategy
Pay your extra here first
Debt free
An estimate for direction, with interest calculated monthly. Your statements may differ slightly.
Everything in one download
The Financial Organization Kit
Built by Pure Wealth Capital to answer three questions every month: which debt gets the extra money, what is left to spend, and how close you are to your goals.
- Debt Payoff Tracker: Dashboard, My Debts, Strategies, Payment Log, Payoff Date
- Budget Tracker: Dashboard, Income, Expenses, Savings Goals
- Savings Challenge: 52 Week, 30 Day, Custom Goal
- Goal Planner: Annual Vision, Quarterly, Monthly Plan, Daily Habits
$29One time
Budgeting apps: about $100 a year.
This kit: $29 once, and the files are yours.
30 days to try it. If it isn’t for you, email us for a full refund.
Questions
Before you buy
Is this a subscription?
No. You pay $29 once and the files are yours. There is nothing to renew and nothing to cancel.
Do I need Microsoft Excel?
No. The files also work in Google Sheets, which is free, and in Apple Numbers, on a computer, tablet or phone.
Do I have to connect my bank account?
No. You type your own numbers. Nothing is linked and nothing leaves your file.
I’m not good with spreadsheets. Will I manage?
Yes. You only fill the white cells with a gold border and every formula is already done. Each file opens with a How to Use tab.
What if it isn’t for me?
Email us within 30 days of your purchase and we’ll refund you in full.
Your debt free date is already in your numbers
Four spreadsheets. $29 once. Yours to keep.
Get the kit · $29The kit
4 planning spreadsheets
Excel, Google Sheets and Numbers
Phone, tablet or computer
Payment
$29 one time, no subscription
Secure checkout
Download link by email