Every dollar, one screen
BATTLE BOARD — HP bars, damage dealt, rank and next target
Paying off debt is boring. So this one turns it into a boss fight.
Every debt becomes a boss with an HP bar. Every payment you make deals damage. Bosses fall one at a time, achievements unlock, and your rank climbs from ROOKIE to LEGEND as the balances come down.
Snowball or avalanche, switched with one dropdown.
Smallest balance first for quick wins, or highest interest first to save the most money. Change your mind whenever you like — all 120 months of the projection rebuild instantly.
The snowball is actually built in.
When a debt is cleared, its minimum payment doesn't vanish. It rolls straight into the attack on the next boss, automatically, exactly as the method is supposed to work.
It tells you the two numbers that matter.
The month you'll be debt free, and how much interest you're saving compared with paying only the minimums. Both recalculate every time you log a payment.
And it's honest with you.
If your payment doesn't cover the interest, it says so instead of drawing a pretty chart of a debt that never dies.
What's inside
7 tabs
- BATTLE BOARD — HP bars, damage dealt, rank, next target, and a colour-coded status for every debt
- QUEST SETUP — up to 10 debts, snowball/avalanche toggle, your extra monthly payment
- PAYMENT LOG — 300 rows; log a payment and the boss HP drops
- PAYOFF PLAN — the projected month-by-month route to your freedom date
- ACHIEVEMENTS — 16 milestones that unlock on their own as you go
- START HERE — plain-English setup, about five minutes
Why this one
Checked, not eyeballed
- No checkboxes to add, no scripts, no permissions to grant — including on the Google Sheets mobile app
- The payoff maths was tested against an independent simulation, including awkward cases like a 0% card, a 36% card, and a payment too small to ever clear the balance
- Works in Google Sheets and Microsoft Excel — both files included
QA RECORD
Formulas10,180
Evaluation errors0
Independent checks33
33 checks across four scenarios: baseline, a 10-debt avalanche with 0% and 36% APR extremes, negative amortization, and the fully-paid-off state.
What you get
- A PDF with your Google Sheets link — open it, then File → Make a copy
- An .xlsx file for Microsoft Excel
- Instant download after purchase
Your data stays yours
You take a copy into your own Drive. Everything you type lives in your copy. You can never edit the master, and I can never see a number in yours.
Good to know
Digital product — nothing is posted. You'll need a free Google account for the Sheets version, or Excel for the .xlsx. For personal use; please don't resell or redistribute the file.
Something not working? Email me and I'll fix it.
Goes well with
Three savings games, one scoreboard
The bills that wreck a budget are just early