Finally See a Clear Path Out of Credit Card Debt
Track every card, compare payoff strategies, and watch your exact debt-free date appear — all in one spreadsheet you'll actually use.
Everything you need to crush your credit card debt
Pre-built formulas. No setup. Just open and start.
What's inside the planner
Multi-Card Dashboard
Enter all your cards in one place and see your total debt picture at a glance.
Strategy Comparison
Side-by-side avalanche vs snowball comparison so you pick the method that saves you the most.
Credit Score Impact
See how paying down balances improves your utilization ratio and estimated credit score.
See exactly what you're getting
Every formula is pre-built. Just enter your numbers and the planner does the rest.
What buyers are saying
"I had no idea the avalanche method would save me $3,200 in interest. This planner made it so clear. Paid off 2 cards already!"
Sarah M.
Austin, TX
"Finally a spreadsheet that doesn't require a finance degree. I had my whole payoff plan set up in 20 minutes."
James T.
Chicago, IL
"The credit score tracker is genius. Watching my utilization drop each month is so motivating."
Priya K.
Seattle, WA
Ready to take control?
One-time payment. Instant download. No subscription ever.
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Frequently asked questions
Want to try before you buy? Use our free calculator first.
Try the Free Credit Card Payoff Calculator