Virtually Stored
UK Debt Payoff Planner
List your credit cards, overdraft, loans, buy now pay later and catalogue debts, choose avalanche or snowball, and see a month-by-month plan with your debt-free date, the total interest, and how much you could save compared with paying only the minimums.
Works in Google Sheets & Excel
£6
Buy now
Instant digital download, sold through Payhip.
A guide only, not financial advice.The planner works out an estimate from the figures you type in, and real interest and balances can differ. Deal with priority bills like rent, Council Tax and energy first. If you're struggling, get free, independent help from StepChange, National Debtline, Citizens Advice or MoneyHelper, or in Jersey, Citizens Advice Jersey.
About this planner
When you've got a few debts at once, it's hard to know where any spare money should go, or when it'll ever end. This planner keeps every minimum payment covered, puts your extra money where it does the most good, and rolls each cleared payment on to the next debt, so you can see a real finish date. It comes filled in with example debts so you can see it working straight away, with a clear warning until you delete them. Made in Jersey.
What's included
- Up to 10 debtsCredit cards, store cards, overdrafts, personal loans, car finance, buy now pay later, catalogues and more, with the balance, APR and minimum payment for each.
- Avalanche or snowballPay the highest interest rate first to save the most, or the smallest balance first for quicker wins. Switch with one drop-down to compare.
- Your debt-free dateSee the month you'll be clear, and the month each debt is cleared, in the order to tackle them.
- Interest savedTotal interest on your plan compared with paying only the minimums, and how many months sooner you'll finish.
- Month-by-month scheduleWhat you pay, the interest added and what's left on every debt, for up to 30 years.
- Payment logRecord what you actually pay and your statement balances, and see how much of each debt you've cleared.
- Built-in checksFlags any minimum payment that doesn't cover the interest, so a debt that would never go down doesn't slip past.
- Free help, signpostedStepChange, National Debtline, Citizens Advice, MoneyHelper and Citizens Advice Jersey, plus a note on priority debts. Google Sheets & Excel, no macros.