DaveWays

Private credit-card payoff system

OFF THE CARD

Not another calculator. OFF THE CARD turns your card balances into a 30-day plan with a plain-English guide, printable worksheets, and a tracker that does the math and tells you what to do next. No app. No subscription. No bank login.

Instead of juggling spreadsheets or guessing your next move, you follow one 30-day plan and always know exactly what to pay next.

Buy Now - $24.99Compare payoff methods

Complete the set

Personal Finance Complete Bundle

All 10 DaveWays Personal Finance products in one bundle: budget spreadsheet, debt payoff calculator, sinking funds, net worth, bill tracker, and more.

Separately $170.91 — bundle $69.00, save $101.91.

Get the Bundle

✓ Refund requests accepted within 30 calendar days of purchase via support@daveways.com. Refund Policy

Secure checkout by PaddleInstant digital delivery30-day money-back guaranteeOne-time payment, no subscription

Launch price. Secure checkout powered by Paddle. Your digital files are delivered after successful payment.

What you receive

Files Included In The Download

  • OFF THE CARD Premium Guide PDF: 21 pages
  • OFF THE CARD Worksheets PDF: 11 pages
  • CSV payoff calculator template with 10 card/account rows
  • 30-day action plan and START-HERE instructions

Bundle value

$55 Toolkit Value. Launch Price: $24.99.

Guide ($19) + worksheets ($15) + tracker ($12) + 30-day plan ($9), packaged as one private payoff system you own forever.

30-day refund window. If the kit does not give you a clearer plan than you had before, request a refund within 30 days.

Product previews

Real Preview Images From The Product Bundle.

OFF THE CARD guide and worksheet preview

Guide And Worksheets

Plain-English payoff guidance plus printable planning pages for organizing balances and next steps.

OFF THE CARD payoff tracker spreadsheet preview

Payoff Tracker

Enter balances, APRs, minimum payments, and extra payment assumptions to compare payoff priority.

OFF THE CARD digital ZIP delivery preview

Digital ZIP Delivery

The download contains the PDFs, calculator template, and start instructions in one toolkit bundle.

Benefits

What OFF THE CARD Helps You Do

See Every Card In One Place.

Use the balance overview to list card names, balances, APRs, minimum payments, and payoff priorities before choosing a plan.

Choose Snowball Or Avalanche With Context.

The guide explains both methods so you can compare motivation-first and interest-first payoff strategies without treating either as universal advice.

Turn The Next 30 Days Into Actions.

The worksheet pack helps you translate the payoff method into a short-term plan you can print, update, and review.

Value ladder

Start Small, Choose The System When You Want The Full Plan.

Starter

Debt Payoff Starter

Freeemail download
  • 1-page printable reset
  • 3-row starter CSV
  • Quick first-step checklist
Core offer

OFF THE CARD

$24.99one-time
  • 21-page guide PDF
  • 11-page worksheet pack
  • 10-row payoff tracker CSV
  • 30-day action plan
Buy core kit

✓ Refund requests accepted within 30 calendar days of purchase via support@daveways.com. Refund Policy

Premium anchor

OFF THE CARD Complete

$39-$49planned bundle
  • Core kit included
  • Budget template pack
  • Video walkthrough
  • 30-day email support

Free checklist

Get The 5-Step Credit Card Payoff Checklist.

A one-page printable checklist to list balances, choose a payoff method, and pick the next card to target. Free by email, unsubscribe anytime.

Preview the PDF

By submitting, you agree to receive DaveWays emails about credit-card payoff resources and product updates. You can unsubscribe anytime.

Best fit

Who It Is For

  • People carrying one or more credit-card balances
  • Customers who want a private spreadsheet instead of a finance app login
  • Budgeters comparing debt snowball and debt avalanche methods
  • Anyone who wants printable worksheets for a 30-day payoff reset

Not a fit for

Who It Is Not For

  • Anyone looking for personalized financial, tax, legal, or credit advice
  • Customers who want automated bank syncing
  • Customers who need a lender, consolidation company, or credit counseling service

Delivery

How Digital Delivery Works

Checkout is processed by Paddle. After successful payment, DaveWays provides access to the OFF THE CARD download bundle. Save the ZIP file to your device and start with the included START-HERE instructions.

For order or access help, email support@daveways.com.

Refunds and legal

Before You Buy

Digital product purchases are covered by the DaveWays 30-day refund request window described in the Refund Policy.

Refund Policy | Terms of Use | Privacy Policy

DaveWays is operated by MIRAI YUSHUTSU GLOBAL VENTURE LLP.

FAQ

Questions Before Checkout

Do I need Excel?

No. The tracker is a CSV template that can be opened in Excel, Google Sheets, or LibreOffice Calc.

Is this financial advice?

No. OFF THE CARD is an educational digital toolkit. It helps you organize your own numbers and compare common payoff methods.

How many pages are included?

The delivery bundle includes a 21-page guide PDF and an 11-page worksheet PDF.

How do I get the files?

Use the secure Paddle checkout. Your digital files are delivered after successful payment.

Can I request a refund?

Refund requests must be made within 30 calendar days of purchase according to the DaveWays Refund Policy.

Supporting education

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