Spreadsheet + AI prompts + free picker
Build your first debt payoff plan in 30 minutes.
Choose snowball or avalanche, pick your first target debt, and plan your next payment without building a complicated budget from scratch.
Temporary purchase route while Gumroad upload is being completed. No financial advice. No guaranteed financial result.
30-Minute Debt Payoff Plan
DebtBalanceAPR
Credit Card 1EUR 2,45024.9%
Credit Card 2EUR 1,23019.9%
BNPLEUR 3200%
SnowballSmallest balance first for momentum.
AvalancheHighest APR first for interest pressure.
Next action: minimums on everything, extra payment to one target, weekly check-in.
1. List every debtBalance, APR, minimum payment, and due date in one simple sheet.
2. Pick your methodUse snowball for quick wins or avalanche for interest pressure.
3. Plan 30 daysChoose one target debt and one realistic extra payment.
Inside the EUR 9 download
Debt inventory spreadsheet, snowball vs avalanche picker, 30-minute setup guide, paycheck reset tracker, weekly check-in, AI helper prompts, and plain-language disclaimer.