Debt Payoff Planner
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Hello

One screen, one plan. No alarm colours, no guilt — just the next small step.

Your 2-minute setup

Four tiny steps — that is the whole setup. Nothing needs to be perfect: rough numbers are fine, and you can change everything later. A plan you start beats a perfect plan you avoid.

The story so far

Next debt to attack

Coming up

Three small next steps

Your debts

Every debt, one calm list

Seeing them all in one place is the hard part — and you just did it. Add each debt once; the planner does the organising. Everything here is yours to add, edit or remove at any time.

Add a debt

Debt categories

Categories are simple labels that keep your list tidy — Credit Card, Personal Loan, and so on. They are fully yours: add your own, rename any of them, or delete ones you do not use. If you delete a category that debts are using, those debts calmly move to "Other" — nothing is ever lost. "Other" itself always stays, so there is always a safe home for every debt.

Attack order

Your plan pays the minimum on every debt, then throws everything spare at ONE target debt until it is gone. That freed-up payment then rolls into the next one — that is the snowball effect. Snowball targets the smallest balance (quick wins), Avalanche the highest APR (cheapest overall), Custom is your own order — use the up and down buttons. There is no wrong choice: the best plan is the one you finish.
Bills

Bills, all in one place

The regular bills that leave your account each month — rent, electric, phone. Add each one once, then tick it off when you pay it.

Add a bill

Bill categories

Bill categories are simple labels — Rent & Housing, Utilities, Phone & Internet, and so on. They are fully yours: add your own, rename any of them, or delete ones you do not use. If you delete a category that bills are using, those bills calmly move to "Other" — nothing is ever lost.
Payoff plan

See your finish line

Every strategy, honestly priced side by side. Change the extra amount and watch the date move — that is the whole game.

Extra each month

Any extra — even a small amount — goes straight onto your target debt, on top of all the minimums. Slide it and watch the debt-free date and interest change instantly. Small and steady beats big and abandoned.

Watch it melt

Plan vs real life

Two lines. The soft line is your plan, month by month. The strong line is real life - what you still owed at the end of each month, from the payments you logged. If the strong line sits under the soft one, you are ahead of your own plan.

One-off payment simulator

Got a tax refund, a bonus, or a good month coming? Type the amount to preview what one extra payment this month would do to your date and your interest. It is a preview — nothing is saved until you log the real payment.

Pick your finish line

Working backwards works too: choose the month you want to be debt-free, and the planner works out the extra per month that gets you there with your current strategy.

Saved what-if plans

A what-if is a version of your plan with a different extra. Save up to three, and see their finish dates side by side - then load the one you like. Saving never changes your real plan until you tap Load.

This saves the extra amount above - plus any one-off amount you typed - as one what-if.

Month-by-month schedule

This is your current plan, month by month: what you pay, what interest costs you, and what is left. When a debt disappears, its payment rolls into the next one automatically. Print it and put it somewhere you will see it — visible progress is the fuel.

MonthYou payInterestStill owed
Planner

Your month on one page

Debt due days, bill due days, paydays and the payments you logged — all on one calm calendar.

Debt due Bill due Payday Payment logged

This month at a glance

Payments

Log it, watch it shrink

Every payment you log lowers that debt's balance right here. Typed something wrong? Edit any entry, delete it, or use Undo — mistakes are free in this planner.

Log a payment

Your quick amounts:

Progress per debt

Payment history

Milestones

Proof you are moving

These fill in by themselves from your real numbers. No streaks that break, nothing to lose — once earned, a milestone is yours for good.

Your totals

Calm corner

Money feelings count too

Debt is heavy. This corner is for the days it feels heavier — a quick check-in, a minute of breathing, and permission to do the minimum.

How is money feeling today?

No judgement, no score. Just a note to your future self.

One calm minute

Box breathing: breathe in, hold, breathe out, hold — four counts each. Follow the circle.

Ready when you are

Potato Day mode

Some days (or months) there is simply nothing spare — that is life, not failure. On Potato Days you do the "potato version" of the plan: cover the minimums, and that is enough. Minimums still move you forward, and the plan simply restarts when life allows. Turning this on changes your Today screen to minimums-only numbers, framed the kind way.
Guide

How this planner thinks

Two minutes of reading that makes everything else make sense. A fuller printed guide (PDF) came with your purchase — keep it handy.

The one idea

You pay the minimum on everything, then aim every spare penny at one target debt. When it is gone, its whole payment rolls into the next debt — the snowball grows as it rolls. Your Plan screen compares the target orders (Snowball / Avalanche / Custom) with their real costs, so you choose with your eyes open.

Everything is editable

Nothing in this planner is locked. Debts can be added, edited and removed. Categories are your own list — add, rename or delete them on the Debts screen. Payments can be edited or deleted after you log them, quick amounts can be changed on the Payments screen, and your custom attack order is yours to rearrange. Your planner, your rules.

Zero-shame rules, by design

· Missed a month? Nothing breaks. There are no streaks here to lose, and the plan restarts from wherever you are.
· Had a low-energy month? Turn on Potato Day mode — minimums are a real plan, not a failure.
· Progress is always visible: balances shrink, milestones stay earned, and your debt-free date is always one glance away.

Bills and the Planner

The Bills screen keeps your regular monthly bills in one list — add each bill with its due day, then tick it off when you pay it. The Planner screen shows the whole month on one calendar: debt due days, bill due days, your payday, and every payment you logged.

Make it yours

The short setup questions at the start put your name at the top of the app and set your currency, colours and payday. You can change every answer later in Settings — nothing is fixed.

Your privacy

Everything is stored only in this browser, on this device. No account, no sign-up, no bank login, nothing uploaded — the file works fully offline. Because your data lives in the browser, export a backup from Settings now and then, and import it after switching devices or browsers.

Honest note

Projections use each debt's APR spread evenly across months and assume payments stay the same. Real statements vary a little (daily interest, fees, new spending). Treat the dates as a trustworthy compass, not a legal promise — and if debt feels overwhelming, free non-profit credit counselling in your country can help alongside this planner.

Settings

Make it yours

Everything saves automatically, on this device only.

About you

A small amount for treats, so the plan survives real life. It comes out of what is left. It never changes the left total.

Your payday

Your next payday shows on the Today screen and on the Planner calendar.

Look & feel

Your data

Your planner lives only in this browser. A backup file is how you keep it safe and move it: export before changing phones or browsers, import to carry everything — debts, categories, payments, check-ins — into a fresh copy (including from the demo into the full version).

Import from a spreadsheet (CSV)

Bring debts or bills in from a spreadsheet. Download a template, fill it in, then choose the file. Nothing changes until you check the preview and tap Import.

Questions about your purchase? You can message the shop on Etsy any time.

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