{"title":"Money \u0026 Budgeting","description":"\u003cp\u003eBudget, debt payoff and savings apps that do the math for you.\u003c\/p\u003e","products":[{"product_id":"couples-budget-app-fair-share-split-by-income-running-balance-html-fil-5281","title":"Couples Budget App | Fair Share Split by Income, Running Balance (HTML File)","description":"\u003cp\u003eA budget for two people with two different pay packets — and the only one that keeps a running balance of who owes whom.\u003c\/p\u003e\n\u003cp\u003eWHAT IT IS\u003cbr\u003eTally \u0026amp; Tether is one HTML file. You open it in the browser you already use, and it works offline, for good. Nothing is installed, no account is made, nothing is paid again.\u003c\/p\u003e\n\u003cp\u003eTHE FAIR SHARE\u003cbr\u003eMost couples planners divide a bill in half. This one divides it four ways and shows all four side by side, in this month's real money: down the middle, by income, by what is left over once each of you has covered your own fixed costs, or a number you agreed. Seven pay cycles are normalised properly, so a fortnightly wage counts as twenty-six packets a year and not twenty-four.\u003cbr\u003eThen it keeps a running balance — because the fair share is only half the problem. The other half is who actually paid, and one button settles it back to nothing.\u003c\/p\u003e\n\u003cp\u003eEVERY SCREEN\u003cbr\u003eWHERE YOU ARE - what is due, what is left, and how the two of you are doing\u003cbr\u003e  Today\u003cbr\u003eTHE MONEY - the month, the year, the bills and the fair share\u003cbr\u003e  Money \/ Month \/ Spending \/ Split \/ Bills\u003cbr\u003eTHE PLAN - what you are saving for, what you owe, and what you are worth\u003cbr\u003e  Goals \/ Debt \/ Net worth\u003cbr\u003eTHE TWO OF YOU - the weekly check-in, 132 date cards and 96 questions\u003cbr\u003e  Check-in \/ Dates \/ Us\u003cbr\u003eTHE REST - the full guide, and everything you can change\u003cbr\u003e  Guide \/ Setup\u003c\/p\u003e\n\u003cp\u003eWHY THIS ONE\u003cbr\u003eNothing else on this shelf does both halves. The money planners never ask how the two of you are; the relationship journals never add up. This is one file that does the arithmetic and remembers the conversation — a weekly check-in with two scores, the gap between them, and the subject that keeps coming back.\u003c\/p\u003e\n\u003cp\u003eIT IS YOURS\u003cbr\u003eIt is a file in your Downloads folder. Everything the two of you type stays in that browser on that device — there is no server to send it to and no network request of any kind. One button writes a backup file you can carry to the other laptop, and the app says so plainly when a month has gone by without one.\u003c\/p\u003e\n\u003cp\u003eONE-CLICK SETUP\u003cbr\u003eFirst run is one button, not a wizard. Language, currency and date format are read from your browser and filled in for you — you check them rather than choose them, and a theme is already applied. Two names is the only thing you have to type. Measured at 0.19 s in a clean browser profile, in all six languages. If you already have a backup file, restoring from it is the other button on the same screen.\u003c\/p\u003e\n\u003cp\u003eTHE FULL GUIDE\u003cbr\u003eThe full guide is inside the app, reachable from every screen with the ? control, and it can be searched. It covers all fourteen screens in your language — and if you rename a tab, the guide follows the name you gave it. A one-page quick setup guide comes as a PDF in the download as well.\u003c\/p\u003e\n\u003cp\u003eWHAT YOU DOWNLOAD\u003cbr\u003e- The app - one HTML file, six languages, ten themes light and dark\u003cbr\u003e- A one-page quick setup guide, PDF, in your language\u003c\/p\u003e\n\u003cp\u003eQUESTIONS\u003cbr\u003eDo we need an account?\u003cbr\u003eNo. There is nothing to sign up for, no password and no subscription. The app never asks who you are.\u003c\/p\u003e\n\u003cp\u003eDoes it work offline?\u003cbr\u003eAlways. It makes no network request of any kind. Once the file is on your machine you can use it on a plane, and it will still open years from now.\u003c\/p\u003e\n\u003cp\u003eWhich browsers does it need?\u003cbr\u003eChrome, Edge, Firefox and Safari, on Windows, Mac, Linux, iPad and Android. It is one HTML file - if the browser opens a web page, it opens this.\u003c\/p\u003e\n\u003cp\u003eHow long does setup take?\u003cbr\u003eMeasured at 0.19 s in a clean browser profile, in all six languages. One button, and two names to type - everything else is read from your browser and can be changed later.\u003c\/p\u003e\n\u003cp\u003eIs there a guide, and what is in it?\u003cbr\u003eTwo. The full guide is inside the app, on every screen, searchable, covering all fourteen screens - and it follows your own names if you rename a tab. A one-page quick setup guide comes as a PDF in the download.\u003c\/p\u003e\n\u003cp\u003eWhat if we get stuck?\u003cbr\u003eMessage us through our Contact page. A person reads it and answers.\u003c\/p\u003e\n\u003cp\u003eHow do we back it up or move to another device?\u003cbr\u003eOne button writes a backup file. Copy it to the other machine and use “I have a backup file” on the first screen. The app tells you plainly when a month has gone by without one - it is the one thing it nags about, because it is the one thing it cannot do for you.\u003c\/p\u003e\n\u003cp\u003eTHE SMALL PRINT\u003cbr\u003eDigital download - nothing is posted. Because the file is delivered instantly and cannot be returned, all sales are final. If anything is wrong, message us through our Contact page and it gets fixed.\u003c\/p\u003e","brand":"Brightday Planners","offers":[{"title":"Default Title","offer_id":67942528647472,"sku":"DD-4565885281","price":4.44,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0967\/6813\/1376\/files\/il_fullxfull.8455897556_sek1.jpg?v=1791205437"},{"product_id":"paycheck-budget-planner-app-biweekly-envelope-budget-debt-payoff-plan-2133","title":"Paycheck Budget Planner App, Biweekly Envelope Budget, Debt Payoff Plan (Digital Download)","description":"\u003cp\u003eAlmost every budget is built around a month. You are not paid monthly, so this one is built around the day you ARE paid - it rolls your pay periods forward on its own, for ever, and tells you what is safe to spend today.\u003c\/p\u003e\n\u003cp\u003eWHAT IT IS\u003cbr\u003eOne HTML file. You double-click it and it opens in the browser you already have, on a laptop or a phone. There is no account to make, no subscription to cancel, no app store and nothing to install. Everything you type stays in that browser on that device, and one button writes a backup file you can keep anywhere you like.\u003c\/p\u003e\n\u003cp\u003eTHE ONE CALCULATION IT IS BUILT AROUND\u003cbr\u003eMoney in - Bills - Envelopes - Savings and debt = Safe to spend\u003cbr\u003eThat is the number on the first screen, and the app shows you the arithmetic that made it rather than asking you to trust it. Money that has landed, minus the bills that still have to come out of this paycheck, minus what your envelopes still need to last, minus the saving and the debt payment you decided on. What is left is what you can spend today without borrowing from the fortnight.\u003c\/p\u003e\n\u003cp\u003eWHAT IS IN IT\u003cbr\u003e- This paycheck: What came in, what is already spoken for, and what is safe to spend today\u003cbr\u003e- The plan: One sheet a payday: money in, bills, envelopes, saving, and what is left to assign\u003cbr\u003e- Spending: One line per spend, against the envelope it came out of\u003cbr\u003e- Calendar: Month, week, or a plain list of what is coming and when\u003cbr\u003e- Bills: Every must-pay, the paycheck it lands in, and a tick when it is paid\u003cbr\u003e- Savings: Pots with a target and a date, and the amount per payday that gets you there\u003cbr\u003e- Debt: Snowball or avalanche, with the month it is gone and what the difference costs\u003cbr\u003e- Accounts: What the bank says, and what it all adds up to\u003cbr\u003e- Insights: Where it actually went, by envelope and by month, with the trend\u003cbr\u003e- The year: Twelve months at once, so the once-a-year bills stop being a surprise\u003cbr\u003e- Together: Two people, one budget, and who actually paid for what\u003cbr\u003e- Catch up: The screen for the fortnight that went wrong, and how to land the next one\u003c\/p\u003e\n\u003cp\u003eWHAT IT DOES THAT A SPREADSHEET TEMPLATE CANNOT\u003cbr\u003eA spreadsheet template gives you one month and asks you to duplicate the tab. This works out your pay periods from one date and how often you are paid - weekly, fortnightly, every four weeks, twice a month, monthly, or irregular - and rolls them forward for ever without you touching anything. A bill entered once lands in the right period every time, including the ones that fall twice in one fortnight and the ones that skip a fortnight entirely. The run to payday tells you the day the money runs out if nothing changes. The debt plan tells you the month you are free, and what choosing the other order would cost you.\u003c\/p\u003e\n\u003cp\u003eYOURS TO SET UP\u003cbr\u003eTen themes, each in light and dark, and a language and a currency you pick rather than one you are given. The tabs down the side are yours too: reorder them, rename them, hide the ones you do not use, or collapse the whole strip to icons. Hiding is not deleting, and the app says so at the moment you do it. Your layout travels in the backup file, so a new laptop looks like the old one.\u003c\/p\u003e\n\u003cp\u003eONE-CLICK SETUP\u003cbr\u003eOne button, not a wizard. The app reads your browser and fills in the language, the date format, the currency and the day your week starts, shows them to you as a worked example, and asks you for exactly one thing it cannot know: your next payday. Everything else can wait. Timed in a clean browser in all six languages: one click, under 20 seconds. If you already have a backup file, the button that restores it is on the same screen and the same size.\u003c\/p\u003e\n\u003cp\u003eTHE GUIDE, INSIDE THE APP\u003cbr\u003eThe ? in the toolbar of every screen opens the guide at that screen. It is searchable, it is in all six languages, and there is an entry for every screen in the app - what the numbers mean, and what to do when one of them looks wrong. If you rename a tab, the guide follows the name you gave it.\u003c\/p\u003e\n\u003cp\u003eIT IS YOURS, AND IT STAYS YOURS\u003cbr\u003eNo account, no server, no telemetry, nothing to cancel. Your figures never leave the device you typed them on, which also means nobody here can recover them for you - so the backup button matters, and the app reminds you on your first payday. The file you download is yours to keep, and it keeps working whether or not this shop still exists.\u003c\/p\u003e\n\u003cp\u003eWHAT YOU DOWNLOAD\u003cbr\u003e- The app - one HTML file, all six languages\u003cbr\u003e- Quick setup - one page, in your language\u003c\/p\u003e\n\u003cp\u003eQUESTIONS PEOPLE ASK\u003cbr\u003eDo I need an account?\u003cbr\u003eNo. There is nothing to sign into and nothing to sign up for. The file opens and works.\u003c\/p\u003e\n\u003cp\u003eDoes it connect to my bank?\u003cbr\u003eNo, and it never will. There is no server for it to connect through, which is the same reason your figures cannot leak. You type what you spent, the way you would into a notebook - and that typing is what makes you notice it.\u003c\/p\u003e\n\u003cp\u003eI am paid twice a month, not every two weeks. Does that work?\u003cbr\u003eYes, and the difference matters: twice a month is 24 paydays and every two weeks is 26. Pick either, or weekly, four-weekly, monthly, or irregular if your hours move. The periods are built from your choice and roll forward on their own.\u003c\/p\u003e\n\u003cp\u003eWhat happens if I clear my browser?\u003cbr\u003eYour figures go with it, and nobody can get them back - not even us, because we never had them. That is why one button writes a backup file, why the app asks you to use it on your first payday, and why restoring from that file is on the very first screen.\u003c\/p\u003e\n\u003cp\u003eCan my partner and I use it together?\u003cbr\u003eYes. There is a screen for two people: who earns what, who paid for what, and a fair split that accounts for both. It is one file though, not a shared account - pass the backup file across, or keep it on the machine you both use.\u003c\/p\u003e\n\u003cp\u003eWill it work on my phone?\u003cbr\u003eYes - it has a layout made for a narrow screen, which is where you log a spend standing at a till. One thing to know: a browser on a phone is a different browser from the one on your laptop, so it holds a different copy. Move the backup file across when you want them to match.\u003c\/p\u003e\n\u003cp\u003eI am behind. Is this going to make me feel worse?\u003cbr\u003eThere is a screen for exactly that fortnight - the one where the money ran out early. It does not scold you and it does not reset your streak, because there is no streak. It shows you what the next payday has to cover and the smallest change that lands it.\u003c\/p\u003e\n\u003cp\u003eTHE FINE PRINT\u003cbr\u003eDigital download, so no refunds once it is downloaded - which is why the photos show real screens rather than mock-ups, and why the questions above answer the awkward ones instead of the easy ones. For personal use. Works in any current browser: Chrome, Edge, Safari, Firefox, on Windows, Mac, iPad, Android and Linux. It is not an app store app and it does not connect to your bank.\u003c\/p\u003e","brand":"Brightday Planners","offers":[{"title":"Default Title","offer_id":67942528680240,"sku":"DD-4563452133","price":4.44,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0967\/6813\/1376\/files\/il_fullxfull.8451264706_oy2p.jpg?v=1791205438"},{"product_id":"cash-envelope-tracker-app-offline-budgeting-payday-run-sinking-funds-h-8872","title":"Cash Envelope Tracker App | Offline Budgeting, Payday Run, Sinking Funds (HTML File)","description":"\u003cp\u003eCash works because it runs out. What it will not do is add itself up - so this does that part, and tells you exactly what to ask for at the counter.\u003c\/p\u003e\n\u003cp\u003eWHAT IT IS\u003cbr\u003eOne HTML file that opens in the browser you already have. It keeps your envelopes, every movement in and out, the payday run, the sinking funds, the challenge cards and the whole year - and the balance column adds itself up. Nothing to install, nothing to sign up for.\u003c\/p\u003e\n\u003cp\u003eTHE ONE THING PAPER CANNOT DO\u003cbr\u003eEvery envelope system asks you to work out what to withdraw. This one works it out: envelope by envelope, rounded up to notes a teller can actually hand over, then counted out largest first, with whatever falls under the smallest note named as change. You walk in with one figure instead of dividing at the window.\u003c\/p\u003e\n\u003cp\u003eTHE SCREENS\u003cbr\u003e- This period: what is left in every envelope right now, and what you can still spend today\u003cbr\u003e- Envelopes: one row per envelope, the ledger behind it, the moves and sweeps, and the ones you have closed\u003cbr\u003e- Payday run: what to ask for at the counter, the notes it counts out to, and every past trip to the bank\u003cbr\u003e- Budget: income, bills, debt and saving, with the bills laid out through the month and what is left in the account after each one\u003cbr\u003e- Sinking funds: money put by now for a bill that is not due yet, and what to put by each payday to arrive on time\u003cbr\u003e- Challenges: the hundred-envelope card, the weekly, the dice and the twelve months, with every total this market prints and the rule behind it\u003cbr\u003e- Print: envelope covers with the register on the outside, register slips four to a sheet, the challenge cards and the budget sheets\u003cbr\u003e- Patterns: where the money actually goes, by category and month by month, and the year on one page\u003cbr\u003e- Guide: an entry for every screen, searchable, that follows a tab after you have renamed it\u003cbr\u003e- Setup: language, currency, payday, the ten themes, the tab strip and the backup button\u003c\/p\u003e\n\u003cp\u003eHOW IT WORKS\u003cbr\u003eLogging a spend is one line: pick the envelope, type what it was, type the amount. The balance column is every earlier row of that envelope added up, so it is right however the rows are sorted, and the number on the envelope cannot disagree with the notes inside it. Pick your own payday rhythm - weekly, fortnightly, four-weekly, monthly - and every per-payday figure follows it. It opens on a phone, a tablet or a laptop from the same file.\u003c\/p\u003e\n\u003cp\u003eIT PRINTS\u003cbr\u003eEnvelope covers with the register printed on the outside, where you actually write. Register slips four to a sheet for the pouch that will not take a cover. All four challenge cards, and the budget sheets. US Letter or A4, undated, so the same pages print again next year.\u003c\/p\u003e\n\u003cp\u003ePRIVACY, DESCRIBED RATHER THAN PROMISED\u003cbr\u003eEverything you write stays in this browser on this device. There is no account, no login, no sync and no server holding a copy, and the app makes no network request of any kind - turn the wifi off and it works exactly the same. That is a description of how it is built, not a promise about what somebody intends to do.\u003c\/p\u003e\n\u003cp\u003eSETUP TAKES 0.6 SECONDS\u003cbr\u003eOpen the file. That is the whole install - measured at 0.6 seconds to a usable screen, in a clean browser, in all six languages. One optional first name is the only thing it asks for, and you can skip that too. There is no account, no password and no subscription.\u003c\/p\u003e\n\u003cp\u003eTHE GUIDE IS INSIDE IT\u003cbr\u003eEvery screen has its own entry: what it is for, what to type into it, what the numbers mean and what to do when one of them looks wrong. It is searchable, it follows a tab you have renamed, and the ? button in the header opens it at whatever screen you are standing on. There is also a one-page quick start in the download, saying the same words.\u003c\/p\u003e\n\u003cp\u003eIT IS YOURS\u003cbr\u003eYou buy the file, not a seat. There is no subscription and nothing to renew, it will still open in ten years because nothing in it can be switched off from somewhere else, and one button writes a backup you can carry to any other machine.\u003c\/p\u003e\n\u003cp\u003eWHAT YOU DOWNLOAD\u003cbr\u003e- the app - one HTML file, all six languages, all ten themes\u003cbr\u003e- a one-page quick start, as a PDF, in this language\u003c\/p\u003e\n\u003cp\u003eQUESTIONS\u003cbr\u003eDo I need an account?\u003cbr\u003eNo. There is nothing to sign up for and nothing to log in to. The file is yours and it runs on your own machine.\u003c\/p\u003e\n\u003cp\u003eDoes it work without internet?\u003cbr\u003eYes, always. It never makes a network request of any kind, so it is the same with the wifi off, in a waiting room or on a train.\u003c\/p\u003e\n\u003cp\u003eWhich browsers does it work in?\u003cbr\u003eChrome, Edge, Firefox and Safari, on Windows, Mac, Android and iPhone. It is one HTML file, so anything that opens a web page opens it.\u003c\/p\u003e\n\u003cp\u003eHow long does setting it up take?\u003cbr\u003eOpening the file is the install. It was measured at 0.6 seconds to a usable screen in a clean browser, in all six languages, and the one thing it asks for is optional.\u003c\/p\u003e\n\u003cp\u003eIs there a guide, and what is in it?\u003cbr\u003eYes, two. A searchable guide inside the app with an entry for every screen - what it is for, what to type, what the numbers mean - and a one-page quick start PDF in the download.\u003c\/p\u003e\n\u003cp\u003eWhat if I get stuck?\u003cbr\u003eMessage me here. The card in your download also carries a reply address, and a wrong or missing file gets sorted the same day I see it.\u003c\/p\u003e\n\u003cp\u003eHow do I back it up or move to a new phone?\u003cbr\u003eOne button writes a file with everything in it, including the way you arranged your tabs. Open the same app on the other device and load that file back.\u003c\/p\u003e\n\u003ch3\u003eTHE HONEST PART\u003c\/h3\u003e","brand":"Brightday Planners","offers":[{"title":"Default Title","offer_id":67942528745776,"sku":"DD-4569938872","price":4.44,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0967\/6813\/1376\/files\/il_fullxfull.8483471504_5yq0.jpg?v=1791205440"},{"product_id":"divorce-financial-planner-hub-asset-division-after-tax-value-excel-wor-9106","title":"Divorce Financial Planner Hub, Asset Division, After-Tax Value, Excel Workbook (Instant Download)","description":"\u003cp\u003eDIVORCE FINANCIAL PLANNER HUB — the marital balance sheet, the after-tax value of every asset, a two-column division worksheet, the house, and your budget for one. A browser app plus a 38-tab Excel workbook. Nothing you type ever leaves your device.\u003c\/p\u003e\n\u003cp\u003eA certified divorce financial analyst charges $250 to $400 an hour to do exactly that work. This is that work, in a file you open by double-clicking it.\u003c\/p\u003e\n\u003cp\u003e────────────────────────────\u003cbr\u003eWHAT YOU GET — INSTANT DOWNLOAD\u003c\/p\u003e\n\u003cp\u003e• Divorce Financial Planner Hub (Web) — 57 screens, 200 features, three settlement scenarios. Opens in any browser. No install, no account, no internet needed.\u003cbr\u003e• Divorce Financial Planner Hub (Excel) — 38 tabs, 1,895 live formulas, no macros. Excel, Google Sheets, LibreOffice, Numbers.\u003cbr\u003e• Quick Start Guide (PDF) — 10 pages, including a glossary of the thirty terms you are about to hear a great deal of.\u003cbr\u003e• All 200 Features (PDF) — the complete list, grouped.\u003cbr\u003e• A complete worked example — a $1.2M marital estate, 22 assets, 10 debts, three scenarios and eight months of legal bills. Nothing is ever a blank page. One click wipes it and starts you fresh.\u003c\/p\u003e\n\u003cp\u003e────────────────────────────\u003cbr\u003eTHE FIVE ENGINES\u003c\/p\u003e\n\u003cp\u003eTHE DIVISION WORKSHEET\u003cbr\u003eClick a letter beside every asset and every debt — yours, theirs, or a percentage of each. The two columns total as you type, and the equalisation payment recalculates: who pays whom, how much, to land on whatever target split you are working toward. Then four ways to fund that payment without cash, priced on your own numbers.\u003c\/p\u003e\n\u003cp\u003eAFTER-TAX VALUE\u003cbr\u003e$100,000 in a 401(k), $100,000 in a Roth and $100,000 of house equity are three different amounts of money. Pre-tax money carries income tax at the owner's marginal rate. Taxable accounts carry the gain above basis. Property carries the cost of selling it, and a home carries the gain above the §121 exclusion. Second-hand furniture is worth resale, not replacement. Every line is priced the way it would actually come out — and then the face-value split is shown beside the after-tax one.\u003c\/p\u003e\n\u003cp\u003eCOVERTURE AND THE TIME RULE\u003cbr\u003eA plan someone joined before the marriage is not all marital. Both accepted methods are run side by side — the coverture fraction and subtracting the premarital balance with its growth — with the dollar gap between them shown, because they rarely agree. Pensions get frozen coverture against the time rule, plus a survivor-benefit warning. Unvested RSUs and options get the time rule per grant, calculated to the day.\u003c\/p\u003e\n\u003cp\u003eTHE HOUSE\u003cbr\u003eCost of sale, net proceeds, buyout at any equity split. Keep against sell-and-invest over five years — what you are actually worth at the end of each path. The §121 exclusion at single against joint. And the refinance affordability test: front-end and back-end ratios on one income, with a switch for whether support counts as qualifying income, and the same loan priced at seven rates. Every keep-the-house plan lives or dies on that screen.\u003c\/p\u003e\n\u003cp\u003eTHE BUDGET FOR ONE\u003cbr\u003eSixty-plus lines across twelve categories, in two columns: what the household spends now, and what you will spend alone. The delta column is where the real conversation is. Then the surplus or shortfall with support and without it — because the second number is what happens on the day support ends, and that date is already in the agreement.\u003c\/p\u003e\n\u003cp\u003e────────────────────────────\u003cbr\u003eAND THE REST OF IT\u003c\/p\u003e\n\u003cp\u003e• Asset and debt registers with marital \/ separate \/ mixed on every line, and a tracing worksheet for the money you brought in\u003cbr\u003e• Up to six settlement scenarios compared on eleven measures, plus an offer-and-counter log\u003cbr\u003e• Support: post-2018 and pre-2019 alimony tax treatment both modelled, a step-down calendar, a payment ledger with running arrears, and shared children's expenses\u003cbr\u003e• Legal cost: retainer trust ledger, burn rate, the date it runs out, cost by issue — and the legal spend on each disputed item beside what that item is actually worth\u003cbr\u003e• A 96-item document checklist weighted by priority, a statement inventory with a month grid and a gap detector, a discovery register, and a financial-affidavit builder\u003cbr\u003e• The day after: a live COBRA countdown, beneficiary and estate updates, credit protection, the ten-year Social Security and military 10\/10 checks, name change, and a post-decree obligation register\u003cbr\u003e• Five printable reports — balance sheet, division proposal, budget, attorney packet, document checklist\u003c\/p\u003e\n\u003cp\u003e────────────────────────────\u003cbr\u003ePRIVACY, AND BACKUP\u003c\/p\u003e\n\u003cp\u003eA financial affidavit is the most sensitive thing most people ever write down about themselves, and they write it precisely when someone they live with has become adverse to them.\u003c\/p\u003e\n\u003cp\u003eSo there is no account, no server and no upload. The app makes no network calls at all — turn off your wifi and every screen still works. There is a four-digit PIN lock, and an instant screen blur on one key.\u003c\/p\u003e\n\u003cp\u003eFor backup, the app hands you a single dated file and shows you step by step where to put it: Google Drive, Dropbox, OneDrive, iCloud Drive or a plain USB stick, including how to sync the app itself between two computers. It never touches those services itself — your own sync client does, the way it already does for everything else. There is a reminder with an overdue badge, a restore, and a toggle for whether your private journal travels with the backup. The journal is left out by default, and it is excluded from every export and every printout.\u003c\/p\u003e\n\u003cp\u003e────────────────────────────\u003cbr\u003ePLEASE READ\u003c\/p\u003e\n\u003cp\u003eThis is an organising and arithmetic tool. It is NOT legal, tax or financial advice, and it is not a substitute for an attorney, an accountant or a certified divorce financial analyst.\u003c\/p\u003e\n\u003cp\u003eIt is state-neutral by design: it does not know your state's rules on property division, it does not calculate guideline child or spousal support, and it never tells you what a fair split is. Every derived number is arithmetic on entries you make yourself. The two sides are \"Column A\" and \"Column B\" — rename them to anything you like.\u003c\/p\u003e\n\u003cp\u003eTake the printouts to your professionals. You will get better advice, in less billable time. That is the point.\u003c\/p\u003e\n\u003cp\u003e────────────────────────────\u003cbr\u003eHOW TO OPEN IT\u003c\/p\u003e\n\u003cp\u003eDownload, unzip, double-click the HTML file. It opens in your browser like a web page, except there is no web. Works on Windows, Mac, Linux and Chromebook; readable on a tablet. The Excel file opens wherever you normally open spreadsheets.\u003c\/p\u003e\n\u003cp\u003eBecause this is a digital download, all sales are final — but if anything does not work, message me and I will fix it.\u003c\/p\u003e\n\u003cp\u003eInstant download. Yours forever. No subscription, ever.\u003c\/p\u003e","brand":"Brightday Planners","offers":[{"title":"Default Title","offer_id":67942528778544,"sku":"DD-4554899106","price":6.22,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0967\/6813\/1376\/files\/il_fullxfull.8423015525_1j2m.jpg?v=1791205442"},{"product_id":"debt-payoff-tracker-app-snowball-avalanche-planner-digital-download-2019","title":"Debt Payoff Tracker App, Snowball Avalanche Planner (Digital Download)","description":"\u003cp\u003eType in what you owe. Get the exact month you are debt-free — and the cheapest order to pay in. It runs in your browser, offline, with no account and no subscription.\u003c\/p\u003e\n\u003cp\u003e──────────────────────────────────\u003cbr\u003eWHAT YOU GET\u003cbr\u003e──────────────────────────────────\u003cbr\u003e1.  debt-free-date.html — the full app. One file. Double-click and it opens in Chrome, Safari, Edge or Firefox.\u003c\/p\u003e\n\u003cp\u003e──────────────────────────────────\u003cbr\u003eWHY IT IS NOT ANOTHER SPREADSHEET\u003cbr\u003e──────────────────────────────────\u003cbr\u003eFIVE payoff strategies, not two. Snowball, avalanche, a credit-utilisation order that pays each card past 70%, 50%, 30% then 10% of its limit, biggest-balance-first, and your own custom ranking. Every one is priced on YOUR debts, and the cheapest is flagged for you.\u003c\/p\u003e\n\u003cp\u003eWarnings written in plain words. “This minimum will never clear the balance.” “Your 0% ends in seven months.” “This card sits at 74% of its limit — and here is exactly what it takes to get under 30%.” A spreadsheet cannot tell you any of that.\u003c\/p\u003e\n\u003cp\u003eThe extra-payment slider. Move it and see the months saved and the interest avoided BEFORE you commit to anything. One-off windfalls too, on any date you like.\u003c\/p\u003e\n\u003cp\u003ePlan versus reality. Log what you actually paid and the projection re-reads your real balances, so a month you missed becomes a later date instead of a comfortable lie.\u003c\/p\u003e\n\u003cp\u003e──────────────────────────────────\u003cbr\u003eINSIDE THE APP\u003cbr\u003e──────────────────────────────────\u003cbr\u003e•  Your debt-free date, the days remaining, and how far along you already are\u003cbr\u003e•  Up to 10 debts — credit cards, store cards, balance transfers, car, student, medical, personal, overdraft, mortgage\u003cbr\u003e•  Percent-of-balance minimums, 0% promotional periods, and what happens the month they end\u003cbr\u003e•  The whole month-by-month schedule to the final payment, interest and principal split, CSV export\u003cbr\u003e•  A one-page printable plan for the fridge door, dated so you can file it\u003cbr\u003e•  Ten colourways, light and dark, following your device or your choice\u003cbr\u003e•  Six languages and twenty-four currencies — dates, number formats and the warnings all follow\u003cbr\u003e•  iPhone, Android, iPad, Windows and Mac: the same file, with the layout rebuilt for the screen\u003c\/p\u003e\n\u003cp\u003e──────────────────────────────────\u003cbr\u003ePRIVACY\u003cbr\u003e──────────────────────────────────\u003cbr\u003eNo account. No cloud. No bank connection. Your plan lives in your own browser and nowhere else. Download a backup file whenever you like, delete everything in one click, and it all works with the wifi switched off.\u003c\/p\u003e\n\u003cp\u003e──────────────────────────────────\u003cbr\u003eINSTANT DOWNLOAD\u003cbr\u003e──────────────────────────────────\u003cbr\u003eYours the moment payment clears. You receive:\u003cbr\u003e›  debt-free-date.html — the app\u003cbr\u003e›  The version you pick, in all six languages, from that page\u003c\/p\u003e\n\u003cp\u003eBuy once, keep the file, and use it again the next time — or hand it to someone who needs it.\u003c\/p\u003e\n\u003cp\u003e──────────────────────────────────\u003cbr\u003ePLEASE NOTE\u003cbr\u003e──────────────────────────────────\u003cbr\u003e—  This is a digital download. Nothing is posted to you.\u003cbr\u003e—  It is an educational planning tool, not financial advice. It does not connect to your bank and cannot move money.\u003cbr\u003e—  Because the files arrive instantly, digital items are non-refundable — but message me if anything does not work and I will put it right.\u003c\/p\u003e\n\u003cp\u003e──────────────────────────────────\u003cbr\u003eQUESTIONS PEOPLE ASK BEFORE BUYING\u003cbr\u003e──────────────────────────────────\u003c\/p\u003e\n\u003cp\u003eDo I have to install anything?\u003cbr\u003eNo. It is a single HTML file. Double-click it and it opens in the browser you already have — Chrome, Safari, Edge or Firefox. There is no app store, no installer and no sign-up.\u003c\/p\u003e\n\u003cp\u003eWill it work on my phone, tablet and computer?\u003cbr\u003eYes — iPhone, Android, iPad, Windows and Mac. It is the same file everywhere; the layout rebuilds itself for the screen you open it on. On a phone, save it to Files and open it from there.\u003c\/p\u003e\n\u003cp\u003eDo I need an account or an internet connection? Does it touch my bank?\u003cbr\u003eNo to all three. It never asks for an email, it runs with the wifi switched off, and it has no way of reaching your bank. Nothing you type is sent anywhere, because there is nowhere for it to be sent.\u003c\/p\u003e\n\u003cp\u003eWhere is my plan stored — could I lose it?\u003cbr\u003eIt is saved in the browser you use it in, and nowhere else. That means clearing your site data, switching to a different browser, or working in a private window will lose it. Settings has a Backup button that writes a file, and a Restore button that reads it back — that same file is also how you move your plan to another device.\u003c\/p\u003e\n\u003cp\u003eWhich currency does it use? Does it convert anything?\u003cbr\u003eChoose from twenty-four symbols, sitting before or after the number, whichever is right where you live. Nothing is ever converted — the number you type is the number you see. Only the symbol and the formatting change.\u003c\/p\u003e\n\u003cp\u003eCan I switch language after I buy?\u003cbr\u003eYes. All six — English, German, French, Spanish, Italian and Dutch — are inside the same file, and you can change at any time. Dates, number formats and the written warnings all follow your choice.\u003c\/p\u003e\n\u003cp\u003eHow many debts can I put in?\u003cbr\u003eIt is designed and tested around ten, which is more than most people have. The app will not stop you adding more if you need to.\u003c\/p\u003e\n\u003cp\u003eDo I get updates, and can I use it again later?\u003c\/p\u003e\n\u003cp\u003eIs this financial advice?\u003cbr\u003eNo. It is a planning and educational tool that does arithmetic on numbers you give it. It cannot see your accounts, it cannot move money, and it does not know your circumstances. If your debts are unmanageable, please talk to a free debt advice service in your country.\u003c\/p\u003e","brand":"Brightday Planners","offers":[{"title":"Default Title","offer_id":67942528811312,"sku":"DD-4564022019","price":4.44,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0967\/6813\/1376\/files\/il_fullxfull.8489764601_fiyq.jpg?v=1791205446"},{"product_id":"interactive-debt-payoff-tracker-app-snowball-avalanche-strategies-exce-5485","title":"Interactive Debt Payoff Tracker App, Snowball \u0026 Avalanche Strategies (Excel, PDF)","description":"\u003cp\u003eDebt Payoff Hub — the debt tracker that shows you the way out. Drag one slider and watch your debt-free date jump closer, live.\u003c\/p\u003e\n\u003cp\u003eMost debt trackers are static spreadsheets that tell you where you are. This is an interactive browser app that shows you the way OUT: drag the extra-payment slider and your debt-free date, interest-saved meter and payoff chart all recalculate instantly. Even $25\/month visibly moves the date.\u003c\/p\u003e\n\u003cp\u003eOpen it in any browser — no login, no subscription, works offline, and your numbers never leave your device.\u003c\/p\u003e\n\u003cp\u003e⛰️ THE SIGNATURE MOVE\u003cbr\u003e✔ Drag the slider → your debt-free date moves in real time\u003cbr\u003e✔ Interest-saved meter — watch thousands of dollars of interest disappear\u003cbr\u003e✔ Debt-free countdown in years + months, always on screen\u003cbr\u003e✔ Interest burn rate — what your debt costs per month AND per day right now\u003c\/p\u003e\n\u003cp\u003e🧪 7 PAYOFF STRATEGIES, ONE HONEST TABLE\u003cbr\u003e✔ Avalanche (cheapest) · Snowball (fastest first win) · Highest Payment · Credit Utilization (credit-score focus) · Cash Flow Index · Hybrid · your own custom order\u003cbr\u003e✔ Head-to-head comparison: debt-free date, months, total interest and savings for every method — down to the dollar\u003cbr\u003e✔ Snowball rollover view — watch freed-up minimums pile onto the next target\u003cbr\u003e✔ 🎯 Debt-free BY… solver: pick a target month, it computes the exact extra payment needed (one click sets your slider)\u003c\/p\u003e\n\u003cp\u003e❄️ A PLAN THAT MATCHES REAL LIFE\u003cbr\u003e✔ Snowflakes — bake one-time windfalls (tax refund, bonus) into your actual plan\u003cbr\u003e✔ Biweekly mode — the classic \"13th payment\" accelerator\u003cbr\u003e✔ Promo APRs — 0% intro cards handled properly, right on the debt\u003cbr\u003e✔ Month-by-month payoff schedule to $0 with per-debt filters and payoff-party event pills\u003c\/p\u003e\n\u003cp\u003e🔮 WHAT-IF LAB — TEST BEFORE YOU SIGN\u003cbr\u003e✔ Balance-transfer tester: fee + promo months + go-to APR → \"worth it\" or \"not worth it,\" in dollars\u003cbr\u003e✔ Consolidation loan compare · lump-sum drops · quick +$50\/$100\/$250 bumps\u003cbr\u003e✔ Debt-to-income check with lender thresholds\u003c\/p\u003e\n\u003cp\u003e✅ TRACKING THAT KEEPS YOU GOING\u003cbr\u003e✔ Payment log that updates balances — payoffs trigger confetti 🎉\u003cbr\u003e✔ Due-date calendar with paid checkmarks + this-month attack plan\u003cbr\u003e✔ Milestone base camps (10%→100%) + debts-conquered badges + wins journal\u003cbr\u003e✔ Real balance history chart — auto-recorded monthly, receipts not projections\u003cbr\u003e✔ Credit utilization bars per card (the under-30% credit-score sweet spot)\u003cbr\u003e✔ Starter emergency fund tracker + 30-day no-spend challenge\u003cbr\u003e✔ \"My why\" on your dashboard every day + daily motivational quote\u003c\/p\u003e\n\u003cp\u003e🖨️ 6 FRIDGE-DOOR PRINTABLES (always your real numbers)\u003cbr\u003e✔ Debt Thermometer · 100-square Debt-Free Coloring Chart · My Payoff Plan · Debt Inventory · Strategy Comparison · Payment History\u003c\/p\u003e\n\u003cp\u003e📦 WHAT YOU GET (INSTANT DOWNLOAD — ONE ZIP)\u003cbr\u003e✔ The browser app — one file, 11 tabs, works in Chrome, Edge, Safari, Firefox on desktop, tablet and phone\u003cbr\u003e✔ Excel companion workbook — 10 tabs with real formulas: dashboard, per-debt payoff math (NPER), 240-month planner, payment log, both classic calculators, milestones and more (Excel, Google Sheets, LibreOffice)\u003cbr\u003e✔ Quick Start Guide PDF — launched in 10 seconds, zero jargon\u003cbr\u003e✔ Realistic sample data preloaded so you can explore instantly\u003cbr\u003e✔ Bonus: CSV import\/export + calendar (.ics) reminders for every due date and your projected debt-free month\u003c\/p\u003e\n\u003cp\u003e🎯 PERFECT FOR\u003cbr\u003e• Credit card payoff (snowball or avalanche)\u003cbr\u003e• Student loans, car loans, medical bills, personal loans, BNPL\u003cbr\u003e• Anyone choosing between a balance transfer, consolidation, or just paying more\u003cbr\u003e• Budget planner fans who want the debt side done right\u003cbr\u003e• Fresh starts: new year, new job, new baby, new plan\u003c\/p\u003e\n\u003cp\u003e🚀 HOW IT WORKS\u003cbr\u003e1. Download and unzip\u003cbr\u003e2. Double-click \"Debt Payoff Hub (Web).html\" — it opens in your browser\u003cbr\u003e3. Drag the slider. Feel better immediately.\u003cbr\u003e4. Clear the sample data, add your real debts, pick your strategy — climb.\u003c\/p\u003e\n\n\u003cp\u003eNot financial advice — a planning tool. Questions? Message me any time — happy to help.\u003cbr\u003e— Brightday Planners\u003c\/p\u003e","brand":"Brightday Planners","offers":[{"title":"Default Title","offer_id":67942534578480,"sku":"DD-4553615485","price":6.22,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0967\/6813\/1376\/files\/il_fullxfull.8366172166_83p0.jpg?v=1791205557"}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0967\/6813\/1376\/collections\/il_fullxfull.8455897556_sek1.jpg?v=1791205589","url":"https:\/\/brightdayplanners.com\/collections\/money-budgeting.oembed","provider":"Brightday Planners","version":"1.0","type":"link"}