{"title":"Debt Payoff Trackers","description":"\u003cp\u003eDebt payoff spreadsheets that show which debt to pay first, how much interest you save and your exact debt-free date. Snowball and avalanche methods, for Excel and Google Sheets.\u003c\/p\u003e","products":[{"product_id":"ultimate-budget-planner-excel-google-sheets","title":"Ultimate Budget Planner – Excel \u0026 Google Sheets","description":"\u003ch2\u003eKnow exactly where your money goes, and finally see it grow.\u003c\/h2\u003e\n\u003cp\u003eOne simple spreadsheet for your whole financial life: your budget, bills, savings goals, debt payoff and net worth. Enter your numbers once and everything else updates on its own. No formulas to write, no apps, no subscriptions.\u003c\/p\u003e\n\n\u003ch3\u003eWhat's inside\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eBudget Dashboard\u003c\/strong\u003e: pick any month and see income, spending, savings rate and every category against its budget, with color-coded progress bars.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eTransaction log\u003c\/strong\u003e: pick a category from the dropdown and the planner knows whether it's income, spending, a saving or a debt payment.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eRecurring bills\u003c\/strong\u003e: list rent, phone and subscriptions once, tick them when they're paid, and see what's still due this month.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eAccounts\u003c\/strong\u003e: live balances for your checking, savings, credit cards and cash, plus month-end balances.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSavings goals\u003c\/strong\u003e: track every goal with a progress bar and see exactly how much to save each month to hit your date.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eDebt payoff\u003c\/strong\u003e: the snowball order, months left and your estimated debt-free date.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eNet worth\u003c\/strong\u003e: what you own minus what you owe, month by month, with a chart.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eAnnual overview\u003c\/strong\u003e: all 12 months side by side, your best saving month and savings over the year.\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eMade to be easy\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eWorks in \u003cstrong\u003eMicrosoft Excel\u003c\/strong\u003e and \u003cstrong\u003eGoogle Sheets\u003c\/strong\u003e\n\u003c\/li\u003e\n\u003cli\u003eStart any month of the year\u003c\/li\u003e\n\u003cli\u003eUse any currency ($, €, £, A$…)\u003c\/li\u003e\n\u003cli\u003eClean, modern design with a step-by-step \"Start Here\" guide\u003c\/li\u003e\n\u003cli\u003eIncludes a filled-in example version so you can see how it works\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eFree bonus\u003c\/h3\u003e\n\u003cp\u003e\u003cstrong\u003eMonthly Budget Tracker\u003c\/strong\u003e: a lighter version for when you just want a simple monthly budget.\u003c\/p\u003e\n\n\u003ch3\u003eHow you get it\u003c\/h3\u003e\n\u003cp\u003eThis is a digital download. Nothing is shipped. Right after checkout you'll get a download link by email. Open the file in Excel, or upload it to Google Drive and open it with Google Sheets.\u003c\/p\u003e\n\n\u003cp\u003e\u003cem\u003eFor personal use only. Not financial advice.\u003c\/em\u003e\u003c\/p\u003e","brand":"Fernwise","offers":[{"title":"Default Title","offer_id":49044069974134,"sku":null,"price":29.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0727\/3942\/2326\/files\/ultimate-budget-planner-01.png?v=1792258396"},{"product_id":"debt-payoff-planner-spreadsheet","title":"Debt Payoff Planner – Excel \u0026 Google Sheets","description":"\u003ch2\u003eSee your debt-free date, and get there faster.\u003c\/h2\u003e\n\u003cp\u003eA calm, simple debt payoff spreadsheet for Excel and Google Sheets. List your credit cards and loans, choose the \u003cstrong\u003edebt snowball\u003c\/strong\u003e or \u003cstrong\u003edebt avalanche\u003c\/strong\u003e method, and the planner builds your month-by-month payoff plan. No formulas to write, no apps, no subscriptions.\u003c\/p\u003e\n\n\u003ch3\u003eWhat's inside\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eDebt payoff dashboard\u003c\/strong\u003e: your debt-free date, what's left to pay, what you've paid so far and how much interest you save compared to paying minimums only.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSnowball vs avalanche calculator\u003c\/strong\u003e: both methods side by side, with debt-free date, months and total interest, so you can pick the one that fits you.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eMonth-by-month payoff plan\u003c\/strong\u003e: exactly how much goes to each debt every month, how much is interest and what's left, up to 20 years.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eDebt list\u003c\/strong\u003e: up to 12 credit cards, loans or bills with balance, APR, minimum payment, progress bar, payoff order and paid-off date.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003ePayment log\u003c\/strong\u003e: record every payment and watch the progress bars and balances update.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eRollover built in\u003c\/strong\u003e: when a debt is paid off, its payment moves to the next one automatically.\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eMade to be easy\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eWorks in \u003cstrong\u003eMicrosoft Excel\u003c\/strong\u003e (Mac \u0026amp; PC) and \u003cstrong\u003eGoogle Sheets\u003c\/strong\u003e\n\u003c\/li\u003e\n\u003cli\u003eUse any currency ($, €, £, A$…)\u003c\/li\u003e\n\u003cli\u003eStart in any month\u003c\/li\u003e\n\u003cli\u003eStep-by-step \"Start Here\" guide\u003c\/li\u003e\n\u003cli\u003eIncludes a filled-in example version so you can see how it works\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWho it's for\u003c\/h3\u003e\n\u003cp\u003eAnyone paying off credit card debt, a car loan, student loans, a personal loan or medical bills who wants a clear plan and a real finish line.\u003c\/p\u003e\n\n\u003ch3\u003eHow you get it\u003c\/h3\u003e\n\u003cp\u003eThis is a digital download. Nothing is shipped. Right after checkout you'll get a download link by email. Open the file in Excel, or upload it to Google Drive and open it with Google Sheets.\u003c\/p\u003e\n\n\u003cp\u003e\u003cem\u003eFor personal use only. Dates and interest are estimates based on the numbers you enter. Not financial advice.\u003c\/em\u003e\u003c\/p\u003e","brand":"Fernwise","offers":[{"title":"Default Title","offer_id":49046545924214,"sku":null,"price":17.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0727\/3942\/2326\/files\/debt-payoff-planner-01.png?v=1792272544"},{"product_id":"complete-planner-bundle","title":"Complete Planner Bundle – Budget, Debt, Habit \u0026 Business Spreadsheets","description":"\u003ch2\u003eMoney, habits and business, one low price.\u003c\/h2\u003e\n\u003cp\u003eGet your money, your routines and your business in order with four Fernwise spreadsheets for Excel and Google Sheets. Buy them together and save 36%.\u003c\/p\u003e\n\n\u003ch3\u003eWhat's included\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003ca href=\"\/products\/ultimate-budget-planner-excel-google-sheets\"\u003e\u003cstrong\u003eUltimate Budget Planner\u003c\/strong\u003e\u003c\/a\u003e ($29): budget dashboard, transactions, recurring bills, accounts, savings goals, debt payoff, net worth and annual overview. Includes the bonus Monthly Budget Tracker.\u003c\/li\u003e\n\u003cli\u003e\n\u003ca href=\"\/products\/debt-payoff-planner-spreadsheet\"\u003e\u003cstrong\u003eDebt Payoff Planner\u003c\/strong\u003e\u003c\/a\u003e ($17): snowball vs avalanche, your debt-free date, a month-by-month payoff plan and a payment log.\u003c\/li\u003e\n\u003cli\u003e\n\u003ca href=\"\/products\/habit-tracker-spreadsheet\"\u003e\u003cstrong\u003eHabit Tracker\u003c\/strong\u003e\u003c\/a\u003e ($12): 12 monthly habit grids, weekly goals, streaks and a yearly heatmap.\u003c\/li\u003e\n\u003cli\u003e\n\u003ca href=\"\/products\/small-business-income-expense-tracker\"\u003e\u003cstrong\u003eSmall Business Income \u0026amp; Expense Tracker\u003c\/strong\u003e\u003c\/a\u003e ($19): income and expense logs, monthly profit \u0026amp; loss, unpaid invoices and a quarterly tax set-aside.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eTotal value $77. Bundle price $49.\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003ePlanning a wedding? The \u003ca href=\"\/products\/wedding-planner-spreadsheet\"\u003eWedding Planner\u003c\/a\u003e is sold separately.\u003c\/p\u003e\n\n\u003ch3\u003eMade to be easy\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eWorks in \u003cstrong\u003eMicrosoft Excel\u003c\/strong\u003e (Mac \u0026amp; PC) and \u003cstrong\u003eGoogle Sheets\u003c\/strong\u003e\n\u003c\/li\u003e\n\u003cli\u003eAny currency, start any month\u003c\/li\u003e\n\u003cli\u003eEvery planner has a \"Start Here\" guide and a filled-in example\u003c\/li\u003e\n\u003cli\u003eOne-time payment, no subscription\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eHow you get it\u003c\/h3\u003e\n\u003cp\u003eThis is a digital download. Nothing is shipped. Right after checkout you'll get one download link with all the files.\u003c\/p\u003e\n\n\u003cp\u003e\u003cem\u003eFor personal use only. Not financial or tax advice.\u003c\/em\u003e\u003c\/p\u003e","brand":"Fernwise","offers":[{"title":"Default Title","offer_id":49046957654134,"sku":null,"price":49.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0727\/3942\/2326\/files\/complete-planner-bundle-4-planners-01.jpg?v=1792312610"}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0727\/3942\/2326\/collections\/debt-payoff-spreadsheets.jpg?v=1792328438","url":"https:\/\/fernwise.store\/collections\/debt-payoff-trackers.oembed","provider":"Fernwise","version":"1.0","type":"link"}