The kit
The printables are below — no email, no form, no waiting. The formulas sheet is generated from the same verified data the calculators use, so it can never drift out of step with the site.
Printable payoff thermometer
A color-in progress thermometer for the fridge — one segment per $100 or per month, your choice.
Formulas cheat sheet
Every formula on this site, with its citation, on one printable page.
The Debt-Free Date, on screen
The same idea, live: save your plan once and every visit shows whether your debt-free date moved closer or drifted, and by how much. It stores everything in this browser only — there is no account and nothing is uploaded.
Everything you type here is computed in your browser. Nothing you enter is stored on a server, sent anywhere, or shared — there is no account, and your balances never leave your device.
No ads on this page, by design.
Want the monthly check-in?
The whole point of a payoff date is watching it move. Once a month we will nudge you to re-run your plan, and tell you if any reference value behind these tools changed. Entirely optional — the downloads above need nothing from you.
Double opt-in: you will get one confirmation email and nothing else until you click it.
Other printables
These live on the resources page and ask for an email, because that is how the list grows.
- Debt-free date check-in — A monthly nudge to re-run your plan and see whether your date moved closer — plus the printable tracker.
- Sample negotiation letters — Filled-in examples of the itemized-bill and hardship letters, annotated line by line.
- Letter follow-up checklist — What to do on day 7, 14 and 30 after each letter — the schedule that makes letters work.