Hands-on review · Personal Finance
OFF THE CARD: What Is Actually Inside
A private credit-card payoff system built around a 90-day plan, not a monthly subscription.
Editorial note. DaveWays builds these products, so this is a first-party breakdown, not an independent review. We list every file, say plainly who each tool is not for, and never publish invented customer quotes or star ratings. Prices and contents were checked on 20 August 2026.
Everything in the download
| 25-page payoff guide | |
|---|---|
| 14-page worksheet pack | Printable PDF |
| 90-day plan template | |
| Balance and payoff tracker | XLSX / Google Sheets |
| Price | $24.99 — one-time payment |
| Delivery | Instant download after checkout |
Who it suits
People carrying one or more credit-card balances who want a plan they can keep private.
What it does well
- Works entirely offline — no bank login, no account linking
- Snowball and avalanche side by side, so you pick a method rather than being assigned one
- The tracker opens in Excel, Google Sheets and LibreOffice without conversion
- One-time payment, no renewal
What it does not do
- You enter balances by hand; there is no automatic import
- Aimed at credit-card debt specifically, not mortgages or student loans
- If you already run a working payoff spreadsheet, the tracker will duplicate it
Who should skip it
Anyone looking for automated bank syncing or a debt-management service.
OFF THE CARD — $24.99
Instant download. One-time payment. Covered by the DaveWays refund policy.
View the product page