Personal Finance products
Debt payoff, budgeting, cash flow, savings, and practical money planning.
Featured products
A plain-English credit-card payoff toolkit with a guide, printable worksheets, a 30-day action plan, and an Excel or Google Sheets-compatible tracker.
Turn credit-card balances into a private 30-day payoff plan.
Best for people carrying one or more credit-card balances.
Secure Paddle checkout. Instant digital delivery. One-time payment.
A monthly budgeting workbook for planning income, bills, flexible spending, and savings.
Plan income, bills, spending, debt, and savings before the month runs you.
Best for first-time budgeters and households with uneven spending.
Secure Paddle checkout. Instant digital delivery. One-time payment.
A dashboard-style money tracker for monthly cash flow, bills, debt, and savings.
See monthly cash flow, bills, debt, and savings in one dashboard.
Best for spreadsheet-first budgeters who want a quick monthly view.
Secure Paddle checkout. Instant digital delivery. One-time payment.
An all-in-one annual and monthly budget spreadsheet for Excel and Google Sheets. Track income, bills, spending, debt, and savings with auto-calculating totals.
See the full year and monthly budget plans in one connected workbook.
Best for spreadsheet-first budgeters who want one file, not ten.
Secure Paddle checkout. Instant digital delivery. One-time payment.
A debt payoff calculator spreadsheet that ranks your debts by the snowball and avalanche methods, shows your payoff date, and totals the interest you'll pay.
Compare snowball and avalanche payoff plans with your own numbers.
Best for people juggling multiple debts or cards.
Secure Paddle checkout. Instant digital delivery. One-time payment.
A sinking funds tracker spreadsheet for saving toward irregular expenses like car repairs, holidays, and insurance. Set goals, target dates, and see the monthly amount to set aside.
Break irregular bills into a calm monthly saving plan.
Best for households planning ahead for known future costs.
Secure Paddle checkout. Instant digital delivery. One-time payment.
A net worth tracker spreadsheet to log assets and liabilities each month and watch your true financial picture change over time. Works in Excel and Google Sheets.
Track the one number that shows whether your finances are moving forward.
Best for savers, debt payers, and anyone who wants a clear financial scorecard.
Secure Paddle checkout. Instant digital delivery. One-time payment.
A bill and subscription tracker spreadsheet to list every recurring payment, due date, and renewal so nothing slips through and you can cancel what you don't use.
See recurring spend clearly and stop surprise renewals.
Best for households that want to cut recurring waste.
Secure Paddle checkout. Instant digital delivery. One-time payment.
A couples and family finance workbook for combining incomes, splitting bills fairly, and planning shared goals. Spreadsheet plus conversation prompts.
Split shared bills and plan goals without guesswork.
Best for couples and families coordinating money together.
Secure Paddle checkout. Instant digital delivery. One-time payment.
A printable no-spend challenge kit with a 30-day tracker, rules worksheet, trigger log, and reflection page to reset your spending and save fast.
Run a no-spend challenge that is clear, visible, and easy to finish.
Best for anyone wanting a fast spending reset.
Secure Paddle checkout. Instant digital delivery. One-time payment.
A printable visual debt payoff tracker. Colour in each chunk of debt as you clear it and watch the balance shrink.
Make debt payoff visible so progress stays motivating.
Best for visual and hands-on payoff planners.
Secure Paddle checkout. Instant digital delivery. One-time payment.
All 10 DaveWays Personal Finance products in one bundle: budget spreadsheet, debt payoff calculator, sinking funds, net worth, bill tracker, and more.
Build the whole DaveWays money system from one purchase.
Best for buyers who want the strongest value in the catalogue.
Secure Paddle checkout. Instant digital delivery. One-time payment.
A US paycheck budget planner for people paid weekly or biweekly. Assign every paycheck, auto-sort bills, and stop running out before payday.
Assign every paycheck a job and stop running out before payday.
Best for people paid weekly or biweekly who want bills matched to paychecks.
Secure Paddle checkout. Instant digital delivery. One-time payment.
Popular articles
Zero-based budgeting gives every dollar a job before the month starts. Learn the method step by step, with a simple template you can run each month.
Most debt apps want your bank login and a subscription. A spreadsheet wants neither. An honest comparison of what each is actually good at.
A free credit card payoff spreadsheet that ranks your cards by balance and by interest rate. Works in Excel, Google Sheets, and LibreOffice. No signup wall, no bank login.
The avalanche method costs less in interest. The snowball method gets you a win sooner. Here is how to work out which one you will actually finish, with the numbers laid out.
Paying the minimum on a $5,000 card at 22.9% takes around 19 years and costs about $8,400 in interest. Here is the arithmetic, and what changes it.
Free printable debt payoff worksheets - a balance list, a payoff order sheet, and a monthly tracker. Letter size, print at home, fill in by hand.
A practical guide to listing balances, choosing a payoff method, and building a realistic credit card debt plan.