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.

Samhughes on 11 May, 2026

5 out of 5 stars

Visually appealing, easy to use and navigate. Using the help guide made a difference when I got stuck. This in an app version would be cool so I can have it available when not near my comp, or a quick help video would be good for those who don't have time to read the guide.

Debt Payoff Manager Excel Spreadsheet | Debt Snowball Avalanche Tracker | Balance Transfer Calculator | Debt Free Planner Tool

Debt Payoff Manager Excel Spreadsheet | Debt Snowball Avalanche Tracker | Balance Transfer Calculator | Debt Free Planner Tool

About KalqMate

KalqMate | Debt Payoff & Budget Excel Spreadsheet Tools

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On Etsy since 2026

KalqMate | Debt Payoff & Budget Excel Spreadsheet Tools

Your finances. Your numbers. Your way.

I started KalqMate because financial literacy shouldn't require a finance degree — or a monthly subscription.

Most people have no idea how much interest they're actually paying, or how much they'd save by changing one thing about how they repay debt. That gap between "I should sort my finances" and actually having the tools to do it — that's what KalqMate exists to close.
Every tool I build lives in Excel. No app to download, no account to create, no data leaving your machine. Buy it once, use it forever.

The Debt Payoff Manager is the first product. It took months to get right — real amortisation, true Snowball vs Avalanche comparison, balance transfer modelling, windfall simulation. The kind of depth you'd expect from expensive software, at a price that doesn't need justifying. If you've got debt and a copy of Excel, this was built for you.

— Malakai @ KalqMate

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Accepts Etsy Gift Cards and Etsy Credits

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More information

Last updated on 08 May, 2026

Frequently asked questions

Can I get a refund if it's not for me?

Due to the digital nature of this product, all purchases are final.

How do I actually get the file after I buy it?

Etsy emails you a download link instantly. The file is an .xlsm workbook plus a PDF guide. Open in Excel, type your numbers, you're done.