Debt tracker
List up to 12 debts with balance, APR, minimum payment, target payment, due day, and notes.
Private spreadsheet - one-time purchase - no subscription
See your debt-free date in 10 minutes.
PayoffSheet turns credit cards, loans, overdrafts, and BNPL instalments into one clear plan: what you owe, what to pay next, and when you will be clear.
- No bank connection
- Works in Excel and Google Sheets
- 30-day clarity guarantee
Product preview
See what you get before checkout.
The preview shows the main workbook flow: add your debts, check the dashboard, plan payday, then keep the sheet updated weekly.
- Debt tracker, dashboard, payoff comparison, payday planner, and payment log.
- Quick-start PDF included so customers know exactly what to fill in first.
- No bank login, no subscription, and no app account needed.
14.6m
UK adults were not coping financially or found it difficult to cope in the FCA January 2024 recontact survey.
5.5m
UK adults had missed domestic bills or credit commitments in the previous six months, according to the same FCA survey.
0 calls
PayoffSheet is built for private, self-paced organisation. It does not require speaking to anyone to start.
The problem
Debt feels bigger when it lives in five different places.
One card balance here, one overdraft there, a few BNPL payments due later, and no single view of what is actually happening. PayoffSheet gives you the calm first step: a visible plan.
What is inside
The spreadsheet bundle customers can use immediately.
Payoff dashboard
Automatically shows total owed, debt-free date, estimated interest, and progress.
Snowball vs avalanche
Compare motivation-first and interest-first approaches so the customer can choose a plan they will keep using.
BNPL tracker
Dedicated space for Klarna, Clearpay, PayPal Pay in 3, Zilch, and other instalments that are easy to forget.
What-if calculator
Shows how an extra monthly payment changes the clear-by date and potential interest saving.
Quick-start guide
A plain-English PDF that helps customers set up the sheet in around 10 minutes.
How it works
Three steps from scattered numbers to a clear plan.
-
01
Enter your debts
Add creditor, balance, APR, minimum payment, and target payment.
-
02
Check your dashboard
See your total owed, estimated clear-by date, and progress.
-
03
Update weekly
Log payments, update balances, and keep your plan current.
Trust
New product, shown honestly.
PayoffSheet does not use fake testimonials. Real customer feedback will be added only after real buyers have used it. Until then, you can judge the product from the screenshots, preview, refund guarantee, and clear support notes.
30-day clarity guarantee
If PayoffSheet does not help you get your debt picture organised, email within 30 days for a refund. This is in addition to your statutory rights.
No bank login
You manually enter balances. PayoffSheet does not ask for banking passwords, open banking access, or credit file access.
Preview before buying
The page shows the dashboard, tracker, payday planner, and what is included so customers can see the product before checkout.
Free debt help signposted
If someone is behind on essential bills or cannot afford minimum payments, the page points them to free UK debt support first.
Launch offer
Get PayoffSheet today.
£19 one-time
Suggested future price: £29. No subscription. No bank login. Instant digital delivery through Payhip.
30-day clarity guarantee
If it does not help you organise your debts into a clearer plan, email support@payoffsheet.com within 30 days and ask for a refund.
Included
- PayoffSheet-v1.xlsx
- Google Sheets compatible workbook
- Quick-start PDF guide
- Product preview and setup guidance
- Starter version for lead magnet or bonus
- Free update promise for v1 buyers
Secure checkout and instant file delivery are handled by Payhip.
Ad creative included
Ready-made image assets for your first test.
The launch folder includes square and story ad creatives so you can test Meta ads without paying a designer first.
FAQ
Questions customers are likely to ask.
Is PayoffSheet financial advice?
No. PayoffSheet is a general educational budgeting and organisation tool. It does not provide regulated debt counselling, financial advice, credit repair, investment advice, legal advice, or a guaranteed outcome.
What if someone is already missing payments?
They should use free UK debt support before relying on any spreadsheet. MoneyHelper, StepChange, National Debtline, and Citizens Advice can help with regulated debt support.
Does it connect to a bank?
No. Customers manually enter balances. That keeps it private and avoids asking for bank access.
Why are there no testimonials yet?
PayoffSheet is a new launch, so there are no fake reviews on this page. Real feedback will only be added after real customers have used the product.
What is the refund policy?
There is a 30-day clarity guarantee. If PayoffSheet does not help you organise your debt picture into a clearer plan, email support@payoffsheet.com within 30 days and ask for a refund. This does not affect your statutory rights.
Does it work outside the UK?
The workbook maths works anywhere, but the support links and wording are UK-focused. Keep the first launch UK-focused for cleaner ads and fewer support questions.
Important support note
If you are behind on essential bills, have received court papers, or cannot afford minimum payments, use free UK debt advice before buying any tool.