ZeroMinute
StudioBuy · ₹149
See your debt-free date. Save interest.
Type in your debts once. The Debt Payoff Tracker runs Snowball and Avalanche side by side and shows when you will be debt-free, how much interest you pay, and how much you save.
Get the tracker · ₹149₹149 (about $1.70)
Instant download after payment. Pay with your name and email, no account needed.
What you get
Side-by-side dashboard
Debt-free date, months to go, total interest and interest saved for Snowball and Avalanche, with a chart.
Month-by-month plan
Full schedule for each method (up to 30 years) showing interest, payments and the balance of every debt.
Extra-payment what-if
Change one cell and watch the debt-free date move. See what an extra payment each month really does.
Up to 10 debts
Credit cards, car loan, student loan, personal loan. Balance, APR and minimum payment. Any currency.
Progress Log
Record what you really paid each month and compare your real balance with the plan.
Sample + blank files
A filled-in example with 5 debts, a clean copy for your own numbers, and a PDF Quick Start Guide.
See it in action
Preview with the sample data that comes in the file: 5 debts, $30,350 total, $200 extra per month.
Snowball or Avalanche?
Snowball
Pay the smallest balance first. You clear debts sooner, which keeps motivation high.
Avalanche
Pay the highest interest rate first. It usually costs the least interest. Not sure? Run both and compare.
How it works
Pay
Check out on our SuperProfile store with your name and email. No account needed.
Download
Your download link arrives by email right after payment.
Enter your debts
Type balances, APR and minimum payments into the yellow cells. Everything else calculates itself.
Questions
What is the difference between Snowball and Avalanche?
Snowball pays the smallest balance first for quick wins and motivation. Avalanche pays the highest interest rate first, which usually costs the least interest. The tracker runs both on your debts so you can compare the debt-free date and total interest.
Does it work in Google Sheets?
Yes. Upload the .xlsx file to Google Drive and open it with Google Sheets (File, Import, Upload). It also works in Microsoft Excel, LibreOffice and Numbers.
Which currency does it use?
Any. The sheet only works with numbers, so type your balances in dollars, pounds, euros, rupees or any currency you like.
How many debts can I enter?
Up to 10 debts, with a plan of up to 30 years for each method.
What do I get after paying?
A sample workbook with 5 example debts, a clean blank workbook for your own numbers, and a Quick Start Guide (PDF). Your download link is emailed to you right after payment.
How do I pay in USD?
Checkout is in INR (₹149, roughly $1.70). Checkout is processed in India: UPI and Indian cards work; cards issued outside India may not be offered yet (if so, email zerominutestudios@gmail.com).
Is this financial advice?
No. It is a planning tool. Interest is estimated monthly with fixed rates, so your lender's figures may differ slightly.
Know your debt-free date today.
Get the tracker · ₹149 (about $1.70)
Secure checkout on our SuperProfile store. A planning tool, not financial advice.