Report this item to Etsy

Price:$13.81

Debt Payoff Planner | Snowball vs Avalanche Calculator (Offline HTML App)

You can only make an offer when buying a single item

Highlights

  • Party decor for gatherings and celebrations
  • Digital download
  • Digital file type(s): 1 ZIP

FINALLY – See Exactly When You'll Be Debt-Free 💸

Most debt trackers are static PDFs that don't calculate interest. Google Sheets formulas break. This offline HTML dashboard does it LIVE – toggle Snowball (smallest first = quick wins) vs Avalanche (highest APR first = saves most interest), slide extra payment, add bonus 3-paycheck months, watch payoff timeline animate, interest saved counter.

✅ DEMO DATA PRE-LOADED – 4 debts $36,820 total: Chase CC $8,500 22% APR min $250, Personal Loan $2,320 12.5% $230, Car Loan $14k 6.9% $420, Student Loan $12k 5.5% $165. Total min $1,065/mo – typical US household. Bonus 3-paycheck months Aug & Oct extra $2,125 each = debt-free 23 months faster, $4,820 interest saved demo.

WHAT MAKES THIS DIFFERENT (HTML > PDF/Sheets):
🔒 100% OFFLINE – No login, no cloud, no subscription. Data stays in browser localStorage. Works airplane mode.
🎨 8 BACKGROUND THEMES – Default Light, Sage Calm, Blush Pink, Ocean Blue, Sunset Warm, Midnight Dark, Forest Dark, Paper Warm.
📊 6 LIVE CHARTS – Payoff Timeline line with bonus orange dots, Debt By Balance donut, Debt By APR bar, Interest Saved comparison bar, Snowball vs Avalanche side-by-side, Progress ring.
❄️🔥 SNOWBALL vs AVALANCHE TOGGLE – Click to re-rank payoff order instantly. Snowball = smallest balance first (psychology win), Avalanche = highest APR first (math win). Shows which saves more for YOUR debts.
⚡ EXTRA PAYMENT SLIDER – $0 to $1,500 + Bonus $2,125 button – drag and payoff date animates shorter, interest saved grows.
🎉 BONUS 3-PAYCHECK INTEGRATION – Checkbox includes bonus $2,125 in month 2 & 4 + every 6 months (demo Aug 29 & Oct 31). Perfect for biweekly paid – ties to Paycheck Budget Dashboard.
🎯 DEBT-FREE COUNTDOWN – Months to free, total interest, progress bar, paid off list.

FEATURES:
Tabs: Dashboard + Charts / Debts List / Snowball vs Avalanche Simulator / Timeline Schedule / Settings & Themes
• Debts: Name, category (credit_card, student_loan, car_loan, personal_loan, medical, mortgage, other), balance, APR %, min payment, due day, notes
• Slider: Monthly Extra $0-$1,500 + Bonus button
• Simulator: Side-by-side Snowball vs Avalanche payoff order, payoff month per debt, interest per debt, debt-free date, total interest comparison, insight which saves more
• Timeline: Month-by-month schedule: Date, Target Debt, Payment (with bonus tag), Interest that month, Total Remaining, Paid Off list – export CSV
• Settings: Currency USD GBP EUR CAD AUD, method default Snowball/Avalanche, extra default, bonus amount, 8 themes, backup JSON, restore JSON, reset demo
• Charts: Line total debt declining, donut balance, bar APR, bar interest saved min vs extra, etc.
• Export: Schedule CSV, backup JSON, print plan

WHAT'S INCLUDED IN ZIP (Instant Download):
1. app.html – Main dashboard 210KB offline
2. How-To-Guide.pdf – How to open, themes, backup, payoff strategy
3. Sample-Report.pdf – Example payoff plan 37 months vs 60 months min-only
4. Theme-Preview.png – 8 themes
5. ReadMe.txt – Quick start

HOW IT WORKS (3 Steps):
1. Extract ZIP → double-click app.html – demo 4 debts pre-loaded
2. Dashboard → see Total Debt $36,820, Debt-Free Date, Interest Saved, Months Saved with extra $300 + bonus
3. Simulator → toggle Snowball vs Avalanche → slide extra → bonus checkbox → Save → Timeline updates → Backup monthly

COMPATIBILITY:
Desktop/laptop focused – Windows/Mac/Linux Chrome/Edge/Firefox/Safari/Brave. Tablet via Files → open in browser. No mobile app needed.

WHO THIS IS FOR:
• US/Canada/UK/AU with credit card, student loan, car loan, personal loan – $1k-$50k debt
• Paid biweekly and get 3-paycheck months – want to blast debt with bonus
• Tired of Sheets breaking, want private offline tracker (debt data sensitive)
• Need motivation – visual timeline + interest saved counter + quick win snowball


DISCLAIMER: Not financial advice – educational only. Consult professional. Personal use only.

SEARCH KEYWORDS: debt payoff tracker, snowball vs avalanche calculator, debt free visual dashboard, interest saved calculator, credit card payoff, student loan payoff, offline debt tracker, no login debt app, bonus paycheck debt.

See your debt-free date today – add to cart!

Instant Download

Your files will be available to download once payment is confirmed.  Here's how.

Instant download items don’t accept returns, exchanges or cancellations. Please contact the seller about any problems with your order.

Etsy Purchase Protection
Shop confidently on Etsy knowing if something goes wrong with an order, we've got your back for all eligible purchases — see program terms

View shop registration details

Be the first to review this item

No reviews yet. See what customers say about other items from this shop.
PlannerToolLab
Planner Tool Lab
PlannerToolLab ·

London, United Kingdom

We calculate this number using a recency-weighted average of all ratings, with a rating's value decreasing by half each year to best reflect the current experience. 5.0
·
62 sales
·
3 years on Etsy
Message seller

Typically responds within a few hours

Typically responds within a few hours

Rave reviews Average review rating is 4.8 or higher.

You may also like

Shoppers with similar taste loved these

Show more
Show more

Explore related searches

Debt Payoff Guide

Debt Payoff Coloring Tracker

Digital Debt

Listed on Aug 12, 2026
9 favorites
Homepage Paper & Party Supplies Paper Stationery Design & Templates Templates Planner Templates