The complete Excel system that turns financial chaos into a visible, automatic, and proven plan to zero out debt.
Buy now and receive the .xlsx file + PDF Manual in your email in 2 minutes. Works in Excel, Google Sheets and mobile.
Register your debts, income and expenses in 10 minutes. The Dashboard calculates everything automatically: payment order, surpluses and timeline.
Track your progress week by week. The spreadsheet shows exactly how much to pay on each debt and when you'll be free.
Complete view on one screen: income, total debt, paid, remaining, emergency fund, and days on the plan.
Register up to 10 debts. The spreadsheet calculates totals, remaining balance, and payment order automatically.
Automatic income split. Visual alert if you exceed the limit of any category.
Track your $1,000 goal in %. Monthly contributions with automatic running balance.
Excel (Windows/Mac), Google Sheets, LibreOffice, mobile. Just need a spreadsheet app.
Step-by-step guide to use the spreadsheet in 10 minutes, even if you've never used Excel.
🎯 Bonus 1: "Quick Expense Cut" Checklist — 30 actions to free up $300+ in the first month
🎯 Bonus 2: Bank Negotiation Script — ask for a discount on your debt with ready-made arguments
🎯 Bonus 3: 2026 Goals Spreadsheet — stay organized after the 90 days
"I thought I'd never get out of overdraft. With the spreadsheet I saw I owed $12,800 across 6 places. In 67 days I zeroed 3 debts and today I have $1,200 in my emergency fund."
"The best part is the Dashboard. I take a screenshot and send it to the family group. Everyone sees my progress. That keeps me motivated."
"I never understood Excel. But the manual is so simple that in 15 minutes I had registered everything. Watching debts shrink every week is addictive."
Yes! Upload the .xlsx file to Google Drive and open it with Google Sheets. All formulas work 100%.
Just change the income cell in the Budget tab. Everything recalculates automatically: limits, surpluses, projections.
Yes. Insert new rows in the Debts tab and drag the formulas across the columns.
10 minutes with the PDF Manual. It's truly plug-and-play: type your numbers and the Dashboard updates.
Yes. Download the Google Sheets app, upload the file, and access from anywhere.
No. If you can type numbers into a calculator, you can use this spreadsheet. The Manual teaches every tab.
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