BUNDLE Debt Freedom - Debt Payoff Calculator Spreadsheet, Debt Vs Invest & Impulse Spending Tracker Spreadsheets

The Debt Freedom Bundle gives you three tools in one download to get out of debt faster, then decide what to do with the freed-up money. You get a debt payoff calculator that finds your exact debt-free date, a debt-vs-invest calculator that settles the debate with a 5-year comparison, and an impulse tracker that stops new debt before it starts.

Picture a man at the kitchen table on payday, watching his pay land and then leave again, minimum payment after minimum payment, while the balances barely move. The frustration is not the bills. It is the feeling that the money was gone before the month even started. He is caught in a trap called the Minimum Payment Treadmill: pay the smallest amount allowed, and the debt decides how long it stays. Leave it running and this payday becomes next year's payday: the same balances, more interest paid, and every plan for the freed-up money pushed back again. So he gets a plan he can see: one payoff order, an exact debt-free date, a clear answer on debt versus investing, and a guard against the impulse buys that fed the balances. Then payday starts to look different: each payment moves a finish line closer that he can already read. He learned his pay was never too small. It was just never given a plan.

This is for anyone carrying credit card or loan balances who is tired of minimum payments and needs a clear payoff plan plus a system that keeps new debt from replacing the old.

WHAT'S INSIDE: THE 3 TOOLS

1. Debt Payoff Calculator: Your debt-free date. Enter every balance, rate, and minimum. Compare snowball vs avalanche vs minimums-only, and get your exact payoff month and interest saved. Includes a quick-start PDF.
2. Debt vs Invest Calculator: Pay off debt or invest? Get a 5-year net-worth comparison with your personal break-even rate and a clear verdict in 60 seconds.
3. Impulse Cooldown Tracker: A 24-hour cooldown for every want. Log the want, wait out the cooldown, and see each price in hours of your life. Includes a quick-start guide.

HOW THE THREE WORK AS A TEAM

The payoff calculator builds the attack plan: which debt first, how much extra, when you're free. The debt-vs-invest calculator answers the next question. Once there's breathing room, where does the extra dollar go? The impulse tracker guards the flank so new wants don't become new balances while you execute. Kill the debt, keep the freedom.

EASY TO START: NO SPREADSHEET EXPERTISE NEEDED

Everything you touch is a cream-colored cell. Type over the sample numbers, follow each workbook's Start-Here tab, and the plans build themselves.

YOUR FIRST 60 SECONDS
- Google Sheets: File → Make a copy, then type your numbers into the cream cells.
- Excel: click Enable Editing, then type your numbers into the cream cells.

COMPATIBILITY

Every workbook in this bundle passed a live Google Sheets import test and a real Excel review before its individual launch. The files you download are the exact launched versions.

WHAT YOU GET: INSTANT DOWNLOAD (1 ZIP)
- debt-payoff-calculator.xlsx + QUICK_START.pdf + README
- debt-vs-invest-calculator.xlsx
- impulse-cooldown-tracker.xlsx + README
- Bundle README with the full contents guide

TRY BEFORE YOU BUY: LIVE VIEW-ONLY DEMOS
- Debt Payoff Calculator: https://docs.google.com/spreadsheets/d/1wUf6clxr4TwHY__yS3d2M_weDD4-naD5OifVZY9NlYE/edit?usp=sharing
- Debt vs Invest: https://drive.google.com/file/d/1dWlHvVzFxqEgV0yNG5dFAFqI0XCo-m3z/view?usp=sharing
- Impulse Cooldown Tracker: https://drive.google.com/file/d/1HRwWmiA-Y6U5G0me8rNAJMHnmcAdl1BE/view?usp=sharing

PLEASE NOTE
- These are educational planning tools, not financial, tax, or legal advice.
- Digital product. No physical item will be shipped. All sales final on digital downloads.

Built by the Kollaz studio. Smart financial tools for modern money.

Q&A

Q: Snowball or avalanche: which should I use?
A: The calculator shows you both, with your exact payoff month and interest for each. Most people pick the one they'll actually stick with. The sheet shows the cost of either choice.

Q: I only have one debt. Is this bundle still useful?
A: Yes. The payoff calculator handles a single balance fine, and the impulse tracker is what keeps you from adding a second one.

Q: How is this different from a free debt calculator online?
A: Free calculators give you one number. This gives you the full plan: payment schedule, windfall simulator, extra-payment lab, plus the tools for what comes after the debt.

Q: Excel or Google Sheets: which is better for these?
A: Both work. The workbooks were tested live in Google Sheets and reviewed in real Excel. Use whichever you already have.

Q: Will the impulse tracker really change my spending?
A: It forces a 24-hour pause and shows every want in hours of your life. That combination is what breaks the buy-now reflex. The sheet just makes it systematic.

Q: How do I get the files after buying?
A: Instant download: one ZIP file appears on your Etsy order page right after checkout, plus a download link by email.