All-in-One Financial Toolkit
$24.99
Four auto-calculating tools in one download — budget, bookkeeping, debt payoff and a 30-day money checklist. Saves $8 versus buying separately.
Lumio.financial tools
Debt Payoff Toolkit
$9.99
Up to six debts, each with its own interest rate. One extra monthly payment goes to the right debt automatically — and when one is cleared, its payment rolls onto the next. See the exact month you become debt-free.
Instant digital download · Secure card payment · 14-day refund policy
Interest is modelled monthly (APR / 12) — a close estimate for cards that compound daily. Six debts is the limit; leave unused rows blank and they are ignored.
About this template
Most free calculators handle a single debt, or make you manually add the freed-up payment every time one is cleared. This workbook carries it for you: enter up to six debts with their own balances, APRs and minimums, set one extra monthly amount, and both strategies are simulated month by month for up to 15 years.
Snowball (smallest balance first, for momentum) and Avalanche (highest APR first, for the least interest) run side by side. The Compare tab reports the payoff month, total paid and total interest for each, with the difference — plus a chart, and a monthly tracker to log real balances against the plan.
The calculation sheets are locked, so only the input cells accept typing. Free tools get broken; this one is built not to.
What's included
- Up to 6 debts — each with its own balance, APR and minimum payment
- One extra monthly payment, allocated automatically to the right debt
- Freed-up minimums roll onto the next debt when one is cleared
- Two 180-month simulations (Snowball + Avalanche), 3,900+ formulas each
- Compare tab: payoff month, total paid, total interest, and the difference
- Monthly tracker to log real balances against the plan
- Locked calculation sheets · Excel, Google Sheets and Numbers · instant download
Before you buy
- Digital product — nothing is shipped. You receive a download link immediately after payment.
- Requires Microsoft Excel, Google Sheets or Numbers. No macros, nothing to install.
- Education, not financial advice.
- 14-day refund policy — see Refund Policy.
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