Escape the Debt Cycle & Achieve Financial Freedom Faster!
Are you feeling overwhelmed by multiple debts? Juggling payments, watching interest pile up, and unsure where to start to finally become debt-free?
Introducing the Debt Elimination Roadmap – your comprehensive, intelligent Google Sheets solution designed to bring clarity, strategy, and acceleration to your debt payoff journey.
Stop guessing and start planning with a clear, step-by-step roadmap tailored to your specific debts. Whether you prefer the motivational wins of the Snowball method, the maximum interest savings of the Avalanche method, or a custom approach, this tool calculates and visualizes your path to freedom.
What makes the Debt Elimination Roadmap different?
✨ Strategic Payoff Planning: Easily compare Snowball, Avalanche, and Custom methods to see which saves you the most money and time. 📈 Visual Progress Tracking: See exactly how far you've come and stay motivated as your total debt shrinks. 🤖 AI-Powered Insights: Get personalized analysis, smart recommendations, and risk assessments powered by advanced AI (supports OpenAI, Claude, Gemini, OpenRouter - API key required). 📊 Comprehensive Reporting: Generate detailed reports to understand your debt landscape and progress. 📱 Interactive Dashboard: Access a user-friendly overview of your key debt metrics. 💾 Data Management: Easily export, import, and back up your financial data.
Take control of your finances, reduce stress, and build a brighter financial future. The Debt Elimination Roadmap provides the structure, insights, and motivation you need to conquer your debt efficiently.
Ready to build your path to debt freedom?


Dr. Tom
Resume Writing, Career Coaching, etc. Over 20 years experience interviewing and hiring.
What You'll Get:
When you get the Debt Elimination Roadmap, you receive a powerful Google Sheets template pre-configured with custom Google Apps Script code to help you manage and eliminate your debt effectively.
Here's what's included:
- The Google Sheet Template: A ready-to-use spreadsheet file that you will copy to your own Google Drive.
- Pre-built Sheets: The template includes the following structured sheets:
- Debt List: Enter details for all your debts (name, balance, interest rate, minimum payment, type, priority, notes).
- Elimination Roadmap: View calculated payoff plans for different strategies (Snowball, Avalanche, Custom) and compare total interest paid and time to debt free.
- Payment Schedule: (Placeholder for detailed monthly breakdown - requires further development for full automation).
- Progress Tracking: Monitor your overall debt reduction, amount paid off, percentage complete, and estimated debt-free date.
- Dashboard: An interactive HTML interface providing a quick visual summary of your key debt metrics and quick actions.
- Settings: Configure general preferences, AI provider, API keys, and other advanced options.
- Embedded Google Apps Script: The spreadsheet is powered by custom script code (visible and editable in the Script Editor) that provides all the advanced functionality.
- Custom Menu "💰 Debt Elimination": A dedicated menu added to your Google Sheet upon opening, providing easy access to all features:
- 🚀 Setup Debt Roadmap: Initializes or resets all necessary sheets and basic structure.
- 📊 Calculate Strategies: Runs the Snowball, Avalanche, and Custom payoff calculations based on your debt list and extra payment amount.
- 🔄 Update Progress: Calculates and updates your progress metrics based on current debt balances.
- 📈 Generate Report: Creates a comprehensive analysis report sheet.
- 🤖 AI Debt Analysis: Generates a detailed AI-powered analysis report with insights and recommendations (requires API key setup).
- 💡 Smart Recommendations: Provides quick, actionable AI-driven tips via an alert box (requires API key setup).
- 📱 Open Dashboard: Launches the interactive HTML dashboard interface.
- 📤 Export Data: Provides options to export your data (Excel, PDF, CSV, JSON).
- 📥 Import Data: Allows importing debt data from CSV, JSON, or another Google Sheet.
- 💾 Create Backup: Creates a JSON backup of your data in your Google Drive.
- ⚙️ Reset All Data: Clears all debt data and resets the sheets (use with caution).
- AI Integration: The script includes functions to connect with popular AI models (OpenAI, Claude, Gemini, OpenRouter) to provide enhanced analysis and recommendations. You will need to obtain and enter your own API key in the Settings sheet to use these features.
Requirements:
- A free Google Account.
- Optional: API keys for your chosen AI provider (OpenAI, Claude, Gemini, or OpenRouter) to enable AI features.