From $0

Which level
are you on?

You've watched the eight levels. Type in what you own and what you owe, and the tracker tells you your level today, and the month you reach the next one.

Get the tracker $9

Excel and Google Sheets. Setup takes five minutes. 30-day refund.

What's inside

One spreadsheet. Four tabs that do the math for you.

My Level

Your level, today

From Level 0, below zero, to Level 8, a million dollars. A progress bar to the next level, and the month you reach it.

The ladder

Every level after it, dated

The month you clear each one, calculated from your real surplus. Get a raise, and every date moves closer.

Debt Climb

Your debt-free date

The exact order to pay things off, highest interest first or smallest balance first, and the month each debt hits zero.

Check-Ins

Your real line, month by month

Log your net worth once a month and watch it chart. The estimate is where you're headed. The line is where you've been.

−$30,660

The example it opens with. Level 0. Debt-free in 40 months.

It starts below zero

Owing more than you own is a level too.

Most trackers begin at your first dollar saved. This one begins wherever you actually are. If that's in debt, it's Level 0, The Climb, and every payment moves the bar.

Who it's for

For you if

  • You're at zero, or below it
  • Your number hasn't moved in a while
  • You want a date, not a vague "someday"

Skip it if

  • You already track your net worth monthly
  • You already know your level and your date
  • You want stock picks. There are none in here.

Questions

Does it work in Google Sheets?

Yes. Open sheets.google.com, then File, Import, Upload, and pick the file. Everything calculates the same way it does in Excel.

How accurate are the dates?

They're estimates built on today's numbers and a steady return. Real life is lumpier. Update it once a month and the dates stay honest.

Is this financial advice?

No. It's arithmetic, done carefully, on your own numbers. It doesn't tell you what to buy.

What if it's not for me?

Email within 30 days and you get a full refund. No explanation needed.

Find your level.

Five minutes of typing. Then you'll know where you stand, and when that changes.

Get the tracker $9