All-in-One Financial Toolkit
$24.99
Four auto-calculating tools in one download — budget, bookkeeping, debt payoff and a 30-day money checklist. Saves $8 versus buying separately.
Lumio.financial tools
Debt Payoff Toolkit
$9.99
Enter your debts once — this 6-tab workbook calculates both payoff strategies and shows your debt-free date.
Instant digital download · Secure card payment · 14-day refund policy
Interest is modelled monthly (APR / 12) — a close estimate for cards that compound daily.
About this template
Snowball (smallest balance first, for momentum) and Avalanche (highest APR first, for minimum interest) are calculated side by side.
The Compare tab puts both plans next to each other with a chart, so you can see exactly how much the avalanche method saves you.
What's included
- 6-tab workbook: Start Here, Inputs, Snowball, Avalanche, Compare (with chart), Monthly Tracker
- Debt-free date, updated as you pay
- Example data you replace in about 30 seconds
- Works in Excel, Google Sheets and Numbers · instant download
Before you buy
- Digital product — nothing is shipped. You receive a download link immediately after payment.
- Requires Microsoft Excel, Google Sheets or Numbers. No macros, nothing to install.
- Education, not financial advice.
- 14-day refund policy — see Refund Policy.
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