Workbooks / Debt by Paycheck™
See the month you're debt-free, funded one paycheck at a time.
Enter your debts and what you can put toward them per paycheck. The workbook compares payoff strategies side by side and shows the date each debt disappears.
Launch price. Instant download, Excel and Google Sheets, 30-day refund.
- CPA-built10+ years in tax advisory
- Instant downloadDelivered by email at checkout
- Excel and Google SheetsBoth versions included
- 30-day refundKeep the files either way
What's inside
Fund it by paycheck
Enter an amount per check, bi-weekly, weekly, twice a month or monthly. The sheet converts it, including the extra checks a bi-weekly schedule gives you.
Strategy face-off
Snowball, Avalanche and Minimums Only calculated at the same time, with a plain verdict on the difference.
Milestones
Your first debt gone, the 25, 50 and 75 percent marks, and your debt-free date.
Progress check-in
Track actual balances against the plan each month. Up to 15 debts and a 20-year horizon.
Who it's for
A good fit if
- You're making payments but can't see an end date
- You're unsure whether snowball or avalanche suits you
- You want extra payments tied to payday so they really happen
Probably not if
- You need debt settlement or credit counselling
- You have a single loan with a fixed payoff date
From people who run their money this way
The Paycheck System™: all four workbooks, one pay schedule.
Budget, bills, savings and debt, each planned against the same paydays. Most people start here because the four problems are really one problem.
Instant download. Excel and Google Sheets. 30-day refund.
Try it for two full pay cycles.
Set it up, run it through a month of paychecks, and if it doesn't make your money clearer, email us within 30 days for a full refund. You keep the files.
Questions
Snowball or avalanche, which should I pick?
The workbook shows both with your real numbers. Avalanche usually costs less interest, snowball clears your first debt sooner. The better plan is the one you'll keep following.
What do I get, and how fast?
An Excel file and a Google Sheets version, delivered by email the moment you check out. Open whichever you prefer.
Do I need to be good with spreadsheets?
No. You type in the tinted cells and everything else calculates itself. A Start Here tab walks you through setup.
Does it work if I'm not paid bi-weekly?
Yes. Weekly, twice a month and monthly schedules are all supported. Bi-weekly earners simply feel the problem most.
What if it isn't for me?
Email us within 30 days and we'll refund you. No forms and no questions about why.
The rest of the system
Bills by Paycheck™
Map every bill to the paycheck that covers it and see tight checks months ahead.