Snowline See what extra saves
For paying off cards & loans

Pick an order.
Watch the balances fall.

Every debt in snowball or avalanche order, months and interest at the minimum, the debt to focus on this month, and colour-in progress charts that keep you going.

Time my payoffSee the planners
  • Excel, Sheets & print
  • Snowball or avalanche
  • Interest estimates
  • 30-day fix-or-refund

Debt Payoff Calculator

Edit the numbers — it updates as you type.

Months to pay off
—
Total interest
—
Total paid
—

Open the full tool & method →

Free tools

Free tools that show their working

Nothing you type leaves your device.

All tools

Debt Payoff Calculator

Months to pay off one debt at a fixed monthly payment, and the total interest, assuming no new charges.

Open calculator →

  • Every minimum, every monthLate fees undo progress.
  • One focus debtAll extra money goes to #1.
  • Roll it overPaid-off payments move down the list.
  • Log the statementReal balances, monthly.
Packages

Printable, planner, or both

A fridge tracker, the spreadsheet planner, or the payoff kit.

Starter

Printable Debt Payoff Tracker

$5 one-time

Best for: Colour-in progress on the fridge.

  • Debt list with snowball and avalanche numbering
  • Monthly plan checklist
  • Colour-in progress charts (5% steps)
  • 12-month balance log and debt-free page
View Starter

Pro

Debt Snowball & Avalanche Planner

$12 one-time

Best for: Ordering your debts and estimating months and interest.

  • Debts: monthly interest, months and interest at minimum (NPER)
  • Snowball and avalanche order side by side
  • Focus debt and this month's payment with your extra
  • Flags minimums that never clear the balance
  • Monthly balance log with % paid off
View Pro

PayPal, card (via PayPal) or Bitcoin · instant download link by email · 30-day fix-or-refund

Why payoff plans stall

Three common traps

Spreading extra money thin

A little extra on every debt clears none of them quickly.

Minimums that don't cover interest

The balance never falls. Fix that one first.

No record of progress

Without the numbers, months of effort feel like nothing.

FAQ

Questions, answered honestly

Snowball or avalanche: which is better?

Avalanche usually costs less interest; snowball gives faster first wins. The planner shows both orders so you can choose.

Is the interest exact?

No. It's an estimate using the standard loan formula and today's rate. Statements include daily interest, fees and rate changes.

Is this financial advice?

No. It's a planning tool. If debt feels unmanageable, a non-profit credit counsellor can help.

How do I pay, and do you accept cards?

PayPal, or a debit/credit card through PayPal's checkout where PayPal offers guest checkout. You can also pay with Bitcoin (on-chain).

When do I receive my files?

PayPal: a private download link is emailed to your PayPal address, usually within about 15 minutes. Bitcoin: email your order code to eclipsekingdom.support@gmail.com; the link follows one blockchain confirmation. Links stay valid for 30 days.

What if a file doesn't work for me?

Email eclipsekingdom.support@gmail.com within 30 days and we'll fix it or refund you (PayPal refunds via PayPal; Bitcoin refunds in BTC for the USD value paid). See terms & refunds.

How buying works

Pay with PayPal, card or Bitcoin. No account needed

  1. PayPal or card

    Finish on paypal.com. We email a private download link to your PayPal email once PayPal's payment notification reaches us, usually within about 15 minutes. Check spam too.

  2. Bitcoin

    Send the exact BTC amount shown, then email the order code to eclipsekingdom.support@gmail.com. After one blockchain confirmation we reply with your private link.

  3. Download

    Your private link works for 30 days. Lost it? Email eclipsekingdom.support@gmail.com and we'll resend it.

Guides

Plain-English guides with worked examples

All guides