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your debt payoff plan

this is the exact process i'd walk you through if we sat down together with a coffee. fill it in as you go — it saves on your device, nothing gets sent anywhere.

list every debt

all of them. even the one you've been avoiding.

debt 01

name

balance owed ($)

interest rate (%)

minimum / month ($)

debt 02

name

balance owed ($)

interest rate (%)

minimum / month ($)

total owed

total minimums per month

0.0%

weighted average interest rate

pick your method

your order

add a balance in section 01 and your order shows up here.

your bare-minimum month

rent / mortgage ($)

groceries ($)

utilities ($)

insurance ($)

phone / internet ($)

transportation ($)

childcare ($)

other essentials ($)

minimum debt payments ($)

your floor

monthly take-home pay ($)

track one month

download last month's bank + credit card statements

highlight every want in one colour

add up subscriptions and recurring charges

write down the number that surprised you

my 'oh no' moment:

cancel the forgotten stuff

streaming
streaming — $ per month saved
music
music — $ per month saved
app subscriptions
app subscriptions — $ per month saved
gym
gym — $ per month saved
phone plan
phone plan — $ per month saved
bank account fees
bank account fees — $ per month saved
credit card annual fee
credit card annual fee — $ per month saved
amazon prime
amazon prime — $ per month saved
meal kits
meal kits — $ per month saved

$0 / month found money

your extra payment

extra i can put toward debt each month ($)

add at least one debt in section 01 to see your plan.

a little emergency fund too

set aside each paycheque ($)

pay frequency

$325

in 6 months

$650

in 12 months

so a flat tire doesn't end up on the credit card.

make it official

my debt-free date is ______

why i'm doing this

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this is a planning tool, not financial advice. results are estimates and assume your rates and payments stay the same. i'm not a financial advisor.

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