{"product_id":"freedom-line-interactive-debt-payoff-simulator-snowball-avalanche-calc","title":"Freedom Line: Interactive Debt Payoff Simulator, Snowball Avalanche Calculator Tool, Debt Free Planner, Credit Card Loan Payoff Tracker","description":"\u003cp\u003eFREEDOM LINE — Interactive Debt Payoff Simulator\u003c\/p\u003e\u003cp\u003eStop guessing when you\u0026amp;#39;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.\u003c\/p\u003e\u003cp\u003eEvery other debt payoff tool on Etsy is a spreadsheet. This one isn\u0026amp;#39;t. It\u0026amp;#39;s a single HTML file that opens in any browser, on any device, with nothing to install.\u003c\/p\u003e\u003cp\u003eWHAT IT DOES\u003c\/p\u003e\u003cp\u003e→ Add every debt — balance, interest rate, and minimum payment\u003c\/p\u003e\u003cp\u003e→ Compare Snowball, Avalanche, and your own Custom order side by side\u003c\/p\u003e\u003cp\u003e→ Drag the extra-payment slider and watch your debt-free date move instantly\u003c\/p\u003e\u003cp\u003e→ See your total interest, and exactly how much you\u0026amp;#39;re saving vs. minimums only\u003c\/p\u003e\u003cp\u003e→ Drag debts into your own priority order — useful for cosigned loans or family lenders\u003c\/p\u003e\u003cp\u003e→ Works in dark mode, and prints a clean summary to PDF\u003c\/p\u003e\u003cp\u003eWHO IT\u0026amp;#39;S FOR\u003c\/p\u003e\u003cp\u003eAnyone 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.\u003c\/p\u003e\u003cp\u003eWHAT\u0026amp;#39;S INCLUDED\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eCTC-HOME-DEBTSIM.html — the interactive simulator (works offline)\u003c\/li\u003e\n\u003cli\u003eQuick-Start Guide (PDF) — walkthrough, troubleshooting, and license terms\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003eHOW IT WORKS\u003c\/p\u003e\u003cp\u003e1. Download and unzip your files\u003c\/p\u003e\u003cp\u003e2. Double-click the HTML file — it opens in your browser\u003c\/p\u003e\u003cp\u003e3. Add your debts — your debt-free date appears instantly\u003c\/p\u003e\u003cp\u003eThis tool estimates payoff using standard monthly compounding. It does not account for promotional rate changes, fees, or your lender\u0026amp;#39;s exact day-count method — use it for planning and motivation, and check your statements periodically.\u003c\/p\u003e\u003cp\u003eThis is a digital download. No physical item will be shipped. Due to the nature of digital files, all sales are final.\u003c\/p\u003e\u003cp\u003eYOU MAY ALSO LIKE\u003c\/p\u003e\u003cp\u003ePair this with our Digital Product Sales Tracker or Notion Budget \u0026amp; Business Dashboard to round out your money toolkit. See the Cozy to Cozy shop for the full Home \u0026amp; Budget collection.\u003c\/p\u003e","brand":"ClearToolsCo","offers":[{"title":"Default Title","offer_id":67640781046038,"sku":"ETSY-4564776545","price":14.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1014\/1407\/6694\/files\/il_fullxfull.8447506940_sij3.jpg?v=1791034954","url":"https:\/\/cleartoolsco.myshopify.com\/products\/freedom-line-interactive-debt-payoff-simulator-snowball-avalanche-calc","provider":"CleartoolsCo","version":"1.0","type":"link"}