The only payoff planner built around your card utilization — the fastest lever to lift your score. Three strategies, an all-in-one budget, and your exact debt-free date.
We did the hard part so you don't have to. All the math runs itself — you just fill in the colored boxes. No formulas to learn, nothing you can break, zero spreadsheet skills required.
Your credit score is driven mostly by card utilization — how much of each limit you're using. This planner is built around lowering it.
See the cheapest payments to get each card under 30%, then 10% utilization — the fastest, most overlooked way to raise your score.
Snowball, Avalanche, or Credit-Score — switch with a dropdown and instantly compare your debt-free date and interest saved.
An all-in-one budget pulls your debts, bills, and income together so you can see exactly what's left to attack debt with.
Just type in the yellow boxes — every formula is locked so nothing breaks. Clear instructions on every tab. Nothing to install.
Seven tabs that do the math for you — here are a few.
Instant digital download. Works in Google Sheets and Microsoft Excel.