The Adulting Architect Money Toolkit
Debt Payoff Planner + Ledger: two private, browser-based tools that do the math for you.
Know where every dollar is going, then point your extra money where it helps most. This toolkit pairs a monthly bill-and-balance tracker with a debt payoff calculator. There are no spreadsheets or formulas to set up. Open the file in your web browser and start.
Ledger: your bills, paychecks and checkbook in one place
- A monthly calendar showing every bill and paycheck, with expenses in red and income in green
- Recurring entries for rent, subscriptions and paychecks, set up once to repeat every week, month or year
- Click any calendar entry to send it to the checkbook register, where your running balance updates automatically
- Mark items as cleared, then close out the month once everything matches your bank
- Print to PDF or export to a CSV spreadsheet
Debt Payoff Planner: see exactly when you'll be debt-free
- List every balance, including credit cards, student loans and car payments
- Compare Snowball (smallest balance first) and Avalanche (highest interest first) side by side, with your payoff time and total interest for each
- Set a custom payoff order if you have your own priorities
- Add an extra monthly amount and watch it roll forward as each debt is paid off
- See a full month-by-month payment schedule, and print or save it as a PDF
Good to know
- Private: everything runs in your browser, and nothing is uploaded or stored online.
- Your work is not saved automatically. Click "Save progress" to download a save file, and "Load progress" to pick up where you left off.
- Works in any modern web browser. No spreadsheet software needed.
For personal use only. The Debt Payoff Planner is a planning tool, not financial advice.
