Kitson.workshop

Budget and debt payoff tools that do the math for you

Type in your income, bills and debts; choose smallest debt first (snowball) or highest interest first (avalanche); see a month-by-month payoff schedule and an estimated debt-free date. Start free with the One-Page Budget.

Start free

No sign-up

One-Page Budget (free PDF). Print it, fill it in, and give every dollar a job.

Download the One-Page Budget How to do a zero-based budget: one worked month

The planner and the kit

Excel and printable PDFs

Budget and Debt Payoff Planner: monthly budget, snowball or avalanche payoff, debt-free date and chart
Excel (.xlsx)Excel 2016 or newer

Budget & Debt Payoff Planner

  • Monthly budget with planned vs actual, category totals and savings rate
  • Up to 10 debts, snowball or avalanche, with extra payments
  • Paid-off payments roll into the next debt automatically
  • Your debt-free date, interest per debt and a payoff chart
$20.00USD Buy on Payhip or buy on Ko-fi

Debt-Free Kit

The planner, The Debt Payoff Workbook and No More Surprise Bills in one download: pay off debt, then plan ahead for bills you know are coming. $49 bought separately; $40.50 with code SAVE10.

$45 · Buy · Review

The Debt Payoff Workbook

Snowball vs avalanche with worked numbers, and worksheets to plan it on paper.

$16 · Buy

No More Surprise Bills

Sinking funds and your emergency fund, step by step.

$13 · Buy

For families

Printable PDFs

Family Money Kit

Money Smart Kids, No More Surprise Bills and the Expense Sorter app. $31.50 with code SAVE10.

$35 · Buy · Review

Money Smart Kids

A 10-week family money plan for ages 7-12.

$14 · Buy

Chore & Allowance Charts

Printable charts for kids 4 to 12: chores, Save-Spend-Give and a savings goal.

$9 · Buy

Questions

Snowball or avalanche: which should I pick?

Avalanche (highest interest first) usually costs less interest; snowball (smallest balance first) gets you a paid-off debt sooner, which helps some people stick with it. See the same four debts paid both ways. The planner switches between the two with one dropdown.

Does it work in Google Sheets?

The planner is made for Excel 2016 or newer. You can also import it into Google Sheets.

Does it connect to my bank?

No. You type in your own numbers. It doesn't connect to any bank and it can't make payments for you.

Is this financial advice?

No. These are planning tools for personal budgeting and education. If debt is weighing on you badly, a free nonprofit credit counsellor is worth a call.

What if a file won't open?

Email kit376351@gmail.com within 14 days for help or a refund.

For personal budgeting and education only; not financial advice.