A working payoff calculator + habit tracker — usable free right now on this page — plus the full Notion template version and a bonus guide to build your own templates, in one bundle.
Not a screenshot. Add your actual debts and habits below; everything runs locally in your browser. This is the exact same calculator that ships in the paid bundle.
Everything you need whether you live in Notion or just want a fast, private calculator.
Enter every debt's balance, APR, and minimum payment. Get the exact smallest-balance-first payoff order, your real debt-free month, and total interest paid — as a Notion database or a standalone offline web app.
Daily checkbox tracking with automatic current-streak, longest-streak, and 30-day completion rate — no manual counting, no broken formulas.
The exact AI-assisted method (prompt template, niche research, QA checklist, listing tips) used to build this bundle — verified against current 2026 Gumroad/Etsy pricing and fees.
One payment. Yours forever.
No. The web app works standalone in any browser with zero setup. Notion import is optional, for people who already live in Notion and want it as a native database.
No. The web app stores everything locally in your browser (localStorage). Nothing is uploaded.
The debt snowball method: smallest balance first. Every open debt gets its minimum payment; your extra payment goes 100% toward the smallest remaining balance until it's paid off, then rolls to the next one.
If the bundle genuinely doesn't work for you, contact the seller through your Stripe/Gumroad receipt within 14 days.
Depends whether you need an early win to stay motivated. Full breakdown with the math: Debt Snowball vs Avalanche, compared honestly →