What you can do with it
Three strategies
Avalanche (highest APR first), snowball (smallest balance first) or your own order.
Month-by-month plan
Up to 20 years: payment, interest, balance and which debt gets the extra money.
Rollover built in
When a debt is paid off, its payment moves to the next one.
Debt-free date
Plus payoff date and interest for every debt.
Savings vs minimums
Months and interest saved compared with paying only the minimums.
Data checks
Budget below minimums, minimums that never cover the interest, missing data.
See it before you buy
What's in the download
| DebtBook-Example.xlsx | Example workbook filled with sample data, to explore first |
| DebtBook-Blank.xlsx | Blank workbook, ready for your own data |
| README.txt | Setup and how-to guide |
| CHANGELOG.txt | Version history |
| LICENSE.txt | Licence terms |
Version 1.0.0. One ZIP file, no installer, nothing sent anywhere.
Why buy it instead of building it
Checked against an independent calculation
Before release, every formula is compared with a separate model, including edited data and deliberately bad entries.
Starts with a worked example
Open the Example workbook to see it filled in, then type your own numbers into the Blank one.
A person answers support email
Write to altaitoondev@gmail.com and get a reply within 2 business days. If it doesn't work as described, you get a refund within 30 days.
What you need
- Microsoft Excel 2010 or later
- Tested in Microsoft Excel for Windows (Microsoft 365)
- No macros or add-ins
- Google Sheets, LibreOffice and Numbers not tested
What it doesn't do
- Fixed APR and minimums, monthly interest; real lenders may differ slightly.
- Promotional 0% periods, fees and new borrowing are not modelled.
- A planning tool, not financial advice.
How buying works
- Pay onceCheckout by Polar. Card details never touch this site.
- Download straight awayThe download link appears after payment and arrives by email with your receipt.
- Open and use itOpen the Example workbook, then enter your own data in the Blank one.
Questions
Avalanche or snowball?
Avalanche saves the most interest; snowball clears small debts first for motivation. Switch the strategy in Settings to compare instantly.
Does it handle a debt being paid off early?
Yes — its payment rolls into the next debt in your order automatically.
What if it doesn't work for me?
Email altaitoondev@gmail.com within 30 days of purchase. We'll try to fix the problem first; if we can't, you get a full refund through the store you bought from.
