The Debt-Free Date Starter Kit Your plan to see the finish line.
List your debts, pick snowball or avalanche, find your debt-free date and color in every win. Calm, simple and judgment-free. Print it or fill it in on screen.
⬇ Download the free kit (PDF)
What's inside
Twelve gentle pages that walk you from "where do I even start?" to a date on the calendar.
Money in, must-pay basics and what's left to work with.
Every debt in one table: balance, rate, minimum and due day.
Snowball or avalanche, explained simply, plus your payoff list.
A quick worksheet with a big box for your finish line.
A 100-circle tracker plus six debt-by-debt cards.
Find $100 this month, a 30-day tracker and a Paid-Off Wall.
Tap any page to see it full size.
Use it with these free tools
The kit works on paper. These make the math instant.
Debt Payoff Calculator
Compare snowball and avalanche and drag a slider to watch your date move.
Find my date → GuideHow to Budget for Beginners
Six simple steps and a real example budget. No jargon.
Read the guide → Free appPaper & Prosperity
Your budget and debt-free countdown on your phone. No bank connection.
See the app →Want a gentle nudge each month?
Join the Debt Free Empire list for calm money tips and new free printables. No spam, unsubscribe anytime.
Your email is never sold.