Pricing
Web tools free. Spreadsheets paid. Bundle best value.
Use every calculator without an account. Unlock Pro if you want saved plans in the browser. Buy a template when you want the file.
Calculators
Free
- • All three calculators, no account
- • Sample plans you can edit
- • Debt-free date, leftover, and cash-flow chart
- • Optional: email yourself a snapshot
Harbor Pro
$19
One-time via Stripe. Unlocks in this browser. Does not include spreadsheet files.
- • Unlimited named saved plans in this browser
- • CSV export and print-friendly reports
- • Full Snowball vs Avalanche comparison
- • 24-month cash flow horizon
- • More than 8 debts
- • Quieter spreadsheet prompts
All 3 spreadsheet bundle
$29
One-time. Instant download after payment.
- • Debt Payoff Tracker
- • Paycheck Budget + Bill Tracker
- • Cash Flow Forecast
- • Excel + Google Sheets
Individual templates — $14 each
Same files as the bundle, sold one at a time.
Debt Payoff Tracker & Schedule
Snowball or Avalanche for up to eight debts, a 120-month schedule, payment log, and a side-by-side comparison.
Paycheck Budget + Bill Tracker
Budget by paycheck. Recurring bills, category actuals, a transaction log, and leftover after bills and after the plan.
Cash Flow Forecast Spreadsheet
Monthly running balance, one-time hits, and a 12-month chart. The keep-using version of the free forecast.
Reviews
Why people pay once.
Pro for the browser. Templates for the file. Here’s what they said after.
“Snowball vs Avalanche on the same debts. I picked the date I could live with, then bought the spreadsheet so I could log the extra $200.”
“The calculator got me in. The paycheck workbook is what I still open. Bills hit the right check. I don’t argue with it.”
“I saved a $100-extra plan and a $200-extra plan and emailed myself both. Nineteen dollars, once. I would have paid that for the comparison table alone.”
Questions
- Do I need an account?
- No password. Calculators are free. After you pay, use the email from your Stripe receipt on the Restore page to bring Pro or templates to another device.
- Is this a subscription?
- No. Everything is one-time.
- Does Pro include the spreadsheets?
- No. Pro is for the web tools (save, export, comparison). Spreadsheets are the Excel / Google Sheets files. Buy one template, the bundle, or both Pro and a template — they stack.
- What’s the difference vs the spreadsheet?
- The web tools are the 2-minute version, free. The workbooks add logs, due-date bills, 120-month engines, and the tabs you live in every month.
Template and Pro purchases go through Stripe Checkout. Harbor Pro is $19 once and does not include the spreadsheet files. See Privacy and Terms.