Interactive Debt Payoff Tracker App, Snowball & Avalanche Strategies (Excel, PDF)

Debt Payoff Hub — the debt tracker that shows you the way out. Drag one slider and watch your debt-free date jump closer, live.

Most 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.

Open it in any browser — no login, no subscription, works offline, and your numbers never leave your device.

⛰️ THE SIGNATURE MOVE
✔ Drag the slider → your debt-free date moves in real time
✔ Interest-saved meter — watch thousands of dollars of interest disappear
✔ Debt-free countdown in years + months, always on screen
✔ Interest burn rate — what your debt costs per month AND per day right now

🧪 7 PAYOFF STRATEGIES, ONE HONEST TABLE
✔ Avalanche (cheapest) · Snowball (fastest first win) · Highest Payment · Credit Utilization (credit-score focus) · Cash Flow Index · Hybrid · your own custom order
✔ Head-to-head comparison: debt-free date, months, total interest and savings for every method — down to the dollar
✔ Snowball rollover view — watch freed-up minimums pile onto the next target
✔ 🎯 Debt-free BY… solver: pick a target month, it computes the exact extra payment needed (one click sets your slider)

❄️ A PLAN THAT MATCHES REAL LIFE
✔ Snowflakes — bake one-time windfalls (tax refund, bonus) into your actual plan
✔ Biweekly mode — the classic "13th payment" accelerator
✔ Promo APRs — 0% intro cards handled properly, right on the debt
✔ Month-by-month payoff schedule to $0 with per-debt filters and payoff-party event pills

🔮 WHAT-IF LAB — TEST BEFORE YOU SIGN
✔ Balance-transfer tester: fee + promo months + go-to APR → "worth it" or "not worth it," in dollars
✔ Consolidation loan compare · lump-sum drops · quick +$50/$100/$250 bumps
✔ Debt-to-income check with lender thresholds

✅ TRACKING THAT KEEPS YOU GOING
✔ Payment log that updates balances — payoffs trigger confetti 🎉
✔ Due-date calendar with paid checkmarks + this-month attack plan
✔ Milestone base camps (10%→100%) + debts-conquered badges + wins journal
✔ Real balance history chart — auto-recorded monthly, receipts not projections
✔ Credit utilization bars per card (the under-30% credit-score sweet spot)
✔ Starter emergency fund tracker + 30-day no-spend challenge
✔ "My why" on your dashboard every day + daily motivational quote

🖨️ 6 FRIDGE-DOOR PRINTABLES (always your real numbers)
✔ Debt Thermometer · 100-square Debt-Free Coloring Chart · My Payoff Plan · Debt Inventory · Strategy Comparison · Payment History

📦 WHAT YOU GET (INSTANT DOWNLOAD — ONE ZIP)
✔ The browser app — one file, 11 tabs, works in Chrome, Edge, Safari, Firefox on desktop, tablet and phone
✔ 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)
✔ Quick Start Guide PDF — launched in 10 seconds, zero jargon
✔ Realistic sample data preloaded so you can explore instantly
✔ Bonus: CSV import/export + calendar (.ics) reminders for every due date and your projected debt-free month

🎯 PERFECT FOR
• Credit card payoff (snowball or avalanche)
• Student loans, car loans, medical bills, personal loans, BNPL
• Anyone choosing between a balance transfer, consolidation, or just paying more
• Budget planner fans who want the debt side done right
• Fresh starts: new year, new job, new baby, new plan

🚀 HOW IT WORKS
1. Download and unzip
2. Double-click "Debt Payoff Hub (Web).html" — it opens in your browser
3. Drag the slider. Feel better immediately.
4. Clear the sample data, add your real debts, pick your strategy — climb.

Not financial advice — a planning tool. Questions? Message me any time — happy to help.
— Brightday Planners