Credit Card Destroyer
A real payoff plan for your cards, not a sheet that only adds up what you owe.
Most payoff spreadsheets list balances and show a timeline. This one adds a Balance Transfer Analyzer, so you can weigh a transfer offer against your current path, and a Credit Score Recovery Tracker, so your score recovery sits next to your balances.
You enter your own card balances and rates, and the sheet does the math. The workbook has 9 tabs.
- Balance transfer analyzerCompares a balance transfer against staying on your current path.
BalanceTransfer - Credit score recovery trackerFollows your score while you pay down your balances.
CreditScore - Payoff calculatorRuns the payoff with your own balances and rates.
Calculator - Card detailWhere you list each card.
Detail - Monthly tracker and annual progressFollow the payoff month by month and year by year.
MonthlyTracker, AnnualProgress - SummaryThe whole picture on one page.
Summary
- Before release, the English version passed its 11-test automated suite.
- Like every FinanzaX template, it went through an automated test suite, a measured WCAG AA contrast audit, and a render and PDF verification.
What do I receive?
A link to make your own editable copy of the Google Sheets template, delivered instantly after purchase on Gumroad.
What do I need to use it?
A free Google account and Google Sheets. There is nothing to install.
Is it available in Spanish?
Yes. The Spanish version is Destructora de Tarjetas, a separate product with its own page.
Does it tell me whether to transfer a balance?
No. It lays out the comparison with your own numbers. Whether to transfer a balance is your decision.
Is this financial advice?
No. FinanzaX products are educational tools. They do not provide financial, investment, tax, legal, accounting, or any other professional advice, and using one does not substitute for advice from a licensed professional who knows your particular situation.
This FinanzaX template is an educational digital tool that helps you organize and track your own financial information. It does not provide personal financial, investment, tax, legal, or accounting advice. All figures shown are estimates based on the information you enter, not guarantees of any outcome. FinanzaX and its creator are not responsible for any financial loss, damage, or decision resulting from the use of this product, to the maximum extent permitted by applicable law. As a digital product delivered instantly upon purchase, refunds are subject to applicable law and the refund policy of the platform (Gumroad) where you purchased it. By purchasing, you acknowledge that you have reviewed this disclaimer and the Terms of Use included in the product.