Debt Consolidation Simulator

Total cost of the route — interest plus fees over the life of the debt — payment × months minus what you owe today — for a consolidation loan, a balance transfer, a credit union, or just paying more.

$14one-time · VAT included · no subscription

Free files

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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 — every edition in one download

✓Free updates forever · 14-day refund

Part of the Complete Collection — 119 workbooks, every edition, future releases, $99.

The ritual page

What the file tells you

A lower monthly payment is not a cheaper debt. This sheet runs every offer — consolidation loan, balance transfer with its fee, credit union, or just paying more — the same way and shows total cost in interest and fees, whether the payment fits, and when you are actually free.

01 · verdictCost — total interest and fees vs doing nothing

02 · verdictMonthly — the payment vs what you pay today and what you can afford

03 · verdictTime — months to debt-free, and what a 0% period really means

Sheets in the workbook

✓Analyzer · pick a route: total cost, three verdicts, three tasks

✓Scenarios · rate, fees, term or payment — one line per offer

✓Projection · the picked route month by month

✓Settings · total debt, average rate, what you pay today, what you can afford

How it works

1Enter the debt — total, average rate, what you pay today, the most you can afford — once

2Add offers as lines — seven ship with the file: do nothing, pay more, two loans, two balance transfers, a credit union

3Pick a route on Analyzer — total cost, TAKE IT / STRETCH / WORSE, debt-free date, month by month

Who it is for

Anyone with a few cards and a loan offer in the inbox, trying to tell relief from a trap.

Dark edition included

Debt Consolidation Simulator — dark edition

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

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