Debt Payoff Ritual

Debt-free date — the month your last balance hits zero — moves the moment you change the extra payment.

$14one-time · VAT included · no subscription

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✓Download page opens right after payment + links by e-mail. No account.

✓Excel 2016+ / Microsoft 365 · Google Sheets (upload to Drive)

✓Light + Dark · USD GBP EUR AUD CAD INR · PLN pricing · EN PL DE FR ES — every edition in one download

✓Free updates forever · 14-day refund

Part of Money Starter Bundle (3 files, $29) and New Year Money Reset Pack (5 files, $39) — and of the Complete Collection (119 files, $99).

The first of the month page

What the file tells you every month

Type your balances, choose snowball or avalanche, and get a date. Not a vague plan — a month-by-month schedule where every cleared minimum rolls onto the next debt, with the interest you avoid counted to the dollar.

01 · verdictThis month — where every unit of the payment goes

02 · verdictProgress — are you on the plan

03 · verdictInterest — what the plan saves you

Sheets in the workbook

✓Monthly · the ritual page

✓Debts · up to 12 balances, ordered by your strategy

✓Plan · 120 months, every debt, every payment

✓Progress · plan vs. reality log

How it works

1List your debts — balance, APR, minimum — up to twelve

2Choose avalanche or snowball and an extra amount — the plan rebuilds instantly, minimums roll over as debts clear

3Open on the first of the month — debt-free date, three verdicts, three tasks — fifteen minutes

Who it is for

Anyone with more than one balance who wants a plan with a date on it.

Dark edition included

Do I need Excel?

Excel 2016+ or Microsoft 365. Or upload the .xlsx to Google Drive — it opens in Sheets with formulas and charts intact.

Can I pay with BLIK?

Yes — BLIK, Przelewy24, any card, Apple Pay, Google Pay and PayPal. Prices in PLN, EUR, USD or GBP; the currency switch is at the top.

Invoice for my company?

Tick “I’m purchasing as a business” at checkout and enter your NIP / VAT ID. The invoice arrives with the download e-mail.

What if it isn’t for me?

14-day refund, no questions. One e-mail to hello@tintedcells.com.

Pairs well with

More Money files →