You have a debt-free date. The banks just never showed you.
A $19 spreadsheet that tells you the exact month you'll be debt-free, and how to make it sooner.
Not an app. No bank login. No monthly fee. Type three numbers and watch your finish line appear.
Show me my date · $19Budget Sheet
- Start Here
- Budget
- Paycheck Plan
- Transactions
- Bills
- Subscriptions
- Debts
- Payoff Plan
- Sinking Funds
- Net Worth
- Dashboard
Find your debt-free month
You're not bad with money. The maths was rigged.
You pay every bill. On time. Every month. And the balance barely moves. That's not a discipline problem. It's the minimum payment doing exactly what it was built to do: keep you current, never free.
You were never given a finish line. That's the whole trick.
Of your $250 this month, $154 never touches the debt.
At $8,400 and 22%, here's exactly where your money goes:
- $154.00: interest, gone
- $96.00: actually paying it down
- $5.06: charged every single day, just to exist
- 23.5 years: how long the minimum takes
- April 2050: your last payment, if nothing changes
- $14,333: interest. More than you borrowed.
Paying on time and getting out are two different plans. Nobody hands you the second one.
What you get
No subscription. No locked features. The whole sheet, for $19.
- Your debt-free date, front and centre
- The exact payoff order: first, second, third
- Every dollar mapped, honestly
- Your ghost subscriptions, exposed
- The bill calendar with your paydays marked
- An extra-payment lever: +$50 = 13 months sooner
- Sinking funds + net worth tabs
IT'S A SPREADSHEET
That's the point. No app. No login. No $12 a month, forever. Type in the yellow cells and it works.
NO BANK CONNECTION
Nothing links to your bank. Ever. Your numbers live in your Drive or on your laptop, not on some server.
NOTHING TO CANCEL
$19 once. Nothing renews. Nothing expires. It works in ten years, exactly as it does today.
IT SHOWS THE DATE
Update a balance, your debt-free month updates. You can watch it coming. That's the whole trick.
Try one tab right here
$11 doesn't feel like money. $11 × 12 does. Flip off the ones you've stopped using.
How it works
Type 3 numbers
Balance, rate, what you pay. Ten minutes and you're done. The maths is already built.
Get your date
The sheet hands you a month and a payoff order. Follow it. No thinking required.
Watch it move
Add $50, watch the date jump closer. Every update, the finish line gets nearer.
Watch the trailer
22 seconds: type your balances, get your date, add $50 and watch it move. Example numbers.
The real sheet · example numbers
Built by someone who was sick of $12/month apps.
Hi, I'm Destin.
I built this because I was sick of budgeting apps that wanted my bank login, then kept charging me $12 a month for the privilege. So I made it a spreadsheet. You type your numbers in once. It never phones home, never expires, never asks for anything.
Delete the app. Keep the $19.
Same sheet. Two ways in.
THE SHEET
- 11-tab debt-free sheet
- Google Sheets + Excel
- Your debt-free date
- Yours forever
THE KIT
- Everything in The Sheet
- Example file to copy from
- Setup guide (PDF)
- Ghost-subscription checklist
- Countdown printable for the fridge
You pay once · no subscription, ever · 30-day money-back
Every cent back. Keep the sheet.
Use it. Find your date. If it isn't worth it to you, email us within 30 days and we'll refund the full price. We can't take the copy back anyway: it's already on your computer.
Every reason to say no
So... it's just a spreadsheet?
Yes. That's the whole point. Spreadsheets don't have monthly fees, don't need your bank login, and don't stop working when you stop paying. It's the most reliable app you'll ever own, and it isn't an app.
Will it work for my situation?
If you have debt and a paycheck, yes. Snowball, avalanche, one debt or ten. It plans each one separately and tells you what to pay, in order.
How do I cancel?
You don't. There's nothing to cancel. You paid once. It's yours. Forever. This is the part people find hardest to believe.
Do I need Excel? Will it run on my phone?
No Excel needed: it runs in free Google Sheets, and an Excel copy is included. Setup's easier on a laptop. After that, checking your date from your phone works fine.
How accurate is the date?
Exact maths on your numbers. Your lender might figure interest daily, so your real month could land either side. Change any number and the date moves instantly.
Is this legit? What exactly am I paying for?
Yes. You pay once ($19, or $29 for The Kit) and get the actual spreadsheet files: a Google Sheets copy and an Excel file, delivered right after checkout. No subscription, no bank login, nothing renews. And if it isn't worth it to you, email us within 30 days for a full refund. You keep the sheet.
Your last payment has a month.
Go find it.
Yours is sitting there, waiting to be found.
Find my date · $19