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first of the month · 15 min Bestseller

Debt Payoff Ritual

Debt-free date — the month your last balance hits zero — moves the moment you change the extra payment.

$14one-time · VAT included · no subscription

Standard$14 You, your household or your own business — 1 person Promost picked$19 + Debt Payoff Binder — the paper version of the ritual, A4 + US Letter. separately ~~$21~~

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In your download: 12 files (+ the companion file with Pro)

Excel workbook · Light · USD
START HERE guide (PDF)
Excel workbook · Dark Mode
Excel workbook · UK · GBP
Excel workbook · EUR
Excel workbook · AUD
Excel workbook · CAD
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Excel workbook · Polski (PL)
Excel workbook · Deutsch (DE)
Excel workbook · Français (FR)
Excel workbook · Español (ES)

BLIKPrzelewy24VisaMastercardApple PayGoogle Pay

✓Download page opens right after payment + links by e-mail. No account.

Works inExcel Google Sheets

✓Excel 2016+ / Microsoft 365 · Google Sheets (upload to Drive)

✓Light + Dark · USD GBP EUR AUD CAD INR · PLN pricing · EN PL DE FR ES — every edition in one download

✓Free updates forever · 14-day refund

This file + 2 moresave 26%

Money Starter Bundle

$29vs. buying separatelySee the bundle →

The first of the month page

What the file tells you every month

Type your balances, choose snowball or avalanche, and get a date. Not a vague plan — a month-by-month schedule where every cleared minimum rolls onto the next debt, with the interest you avoid counted to the dollar.

01 · verdictThis month — where every unit of the payment goes

02 · verdictProgress — are you on the plan

03 · verdictInterest — what the plan saves you

Sheets in the workbook

✓Monthly · the ritual page

✓Debts · up to 12 balances, ordered by your strategy

✓Plan · 120 months, every debt, every payment

✓Progress · plan vs. reality log

How it works

1List your debts — balance, APR, minimum — up to twelve

2Choose avalanche or snowball and an extra amount — the plan rebuilds instantly, minimums roll over as debts clear

3Open on the first of the month — debt-free date, three verdicts, three tasks — fifteen minutes

Who it is for

Anyone with more than one balance who wants a plan with a date on it.

Dark edition included

Do I need Excel?

Excel 2016+ or Microsoft 365. Or upload the .xlsx to Google Drive — it opens in Sheets with formulas and charts intact.

Can I pay with BLIK?

Yes — BLIK, Przelewy24, any card, Apple Pay and Google Pay. Prices in PLN, EUR or USD; the currency switch is at the top.

Invoice for my company?

Tick “I’m purchasing as a business” at checkout and enter your NIP / VAT ID. The invoice arrives with the download e-mail.

What if it isn’t for me?

14-day refund, no questions. One e-mail to [email protected].

Pairs well with

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Debt Payoff Ritual

What the file tells you every month

What buyers say

Pairs well with