Debt Payoff Tracker App, Snowball & Avalanche Strategies (Offline HTML File)

Try demo here: https://jps-demo.pages.dev/

A debt payoff tracker that shows the exact month you'll be debt free, opens in any browser, and never asks you to sign up for anything.

Debt Free Plan is one HTML file. You download it, double-click it, and it opens like a web page. Add your debts once, choose how much you can pay each month, and it builds your full payoff plan: what to pay on each debt this month, when each one is gone, and how much interest you save. Log payments as you go and watch every balance fall. No spreadsheet formulas, no bank login, no subscription. Your figures stay on your own computer.

How It Works:

1. Download the file and save it somewhere you will find it again.

2. Double-click to open it in your browser. Take the two-minute tour, or open Sample Mode to explore a set of fictional debts first.

3. Add each debt once: balance, interest rate, minimum payment and due day. Or import your card and loan downloads.

4. Choose your monthly budget and a strategy. Avalanche, snowball and three more are compared side by side.

5. Log payments as you go, or import your statements, and watch your debt-free date move closer.

WHAT YOU'LL GET:

• One HTML debt payoff tracker file

• Debt freedom dashboard: your debt-free date, total owed, paid so far and interest left to pay

• My debts as cards with a paid-off ring for each debt, or as a table; filter by category

• 5 payoff strategies compared at once: avalanche, snowball, cash flow first, credit score first, or your own order

• 8 color themes, light and dark; every screen prints

• Built-in how-to guide included

PERFECT FOR:

Paying off credit cards, store cards, car loans, student loans, personal loans, medical bills, buy now pay later, money owed to family, tax payment plans and mortgages. Anyone choosing between snowball and avalanche, couples paying off debt together, anyone leaving a messy debt spreadsheet behind, and anyone who wants their finances to stay private on their own computer.

Please note: this is a digital file, not a physical product. Nothing will be posted to you. Your data is stored in your own browser on your own device. This tracker never uploads anything anywhere.

Download a backup regularly; the app reminds you, and Chrome and Edge can back up to a folder automatically every day. Interest is estimated monthly from the rate you enter, so your lender's statement may differ by a few cents; importing your statement brings in the real interest.

Statement imports need the CSV, OFX or QFX download from your lender; PDF statements can't be read. Works best on a computer; phones and tablets can view and log payments. This is not financial advice.

After purchase, download your files from the Payhip confirmation page or your email receipt.

👍 You Can

✔ Use this tracker for your own personal debt payoff, for as long as you like

✔ Use it on your own computers, and print your own copies

✔ Back up your own file and your own data as often as you want

👎 You Cannot

❌ Resell, redistribute, or share this file with others

❌ Use it commercially, or include it in any product, bundle or service of your own

❌ Claim it as your own work, or alter it for resale

❌ Return it — digital files cannot be returned once downloaded

Please note: Due to the digital nature of this product, we do not accept returns, exchanges, or cancellations. But please contact us if you have any problems with your order! hello@jpsdigitalpages.com · www.jpsdigitalpages.com

Debt Free Plan by JPS Digital Pages