FREEDOM LINE — Interactive Debt Payoff Simulator
Stop guessing when you'll actually be debt-free. Freedom Line is an interactive simulator that shows your exact payoff date, updating live as you test different strategies — no Google account, no spreadsheet formulas, nothing to copy.
Every other debt payoff tool on Etsy is a spreadsheet. This one isn't. It's a single HTML file that opens in any browser, on any device, with nothing to install.
WHAT IT DOES
→ Add every debt — balance, interest rate, and minimum payment
→ Compare Snowball, Avalanche, and your own Custom order side by side
→ Drag the extra-payment slider and watch your debt-free date move instantly
→ See your total interest, and exactly how much you're saving vs. minimums only
→ Drag debts into your own priority order — useful for cosigned loans or family lenders
→ Works in dark mode, and prints a clean summary to PDF
WHO IT'S FOR
Anyone carrying credit card, student loan, auto loan, or medical debt who wants a clear, honest payoff plan — without signing into another Google account or wrestling with spreadsheet formulas.
WHAT'S INCLUDED
- CTC-HOME-DEBTSIM.html — the interactive simulator (works offline)
- Quick-Start Guide (PDF) — walkthrough, troubleshooting, and license terms
HOW IT WORKS
1. Download and unzip your files
2. Double-click the HTML file — it opens in your browser
3. Add your debts — your debt-free date appears instantly
This tool estimates payoff using standard monthly compounding. It does not account for promotional rate changes, fees, or your lender's exact day-count method — use it for planning and motivation, and check your statements periodically.
This is a digital download. No physical item will be shipped. Due to the nature of digital files, all sales are final.
YOU MAY ALSO LIKE
Pair this with our Digital Product Sales Tracker or Notion Budget & Business Dashboard to round out your money toolkit. See the Cozy to Cozy shop for the full Home & Budget collection.
