SGC Debt Free

See your debt-free date in 10 minutes. Then move it closer.

Type your debts into the workbook, pick a method, and the Dashboard shows your debt-free date, months to go, total interest and interest saved compared with paying minimums. The book and the 30-day Sprint give you the week-by-week habits to stick with it.

Price: $19
Format: XLSX + PDF · ~3 MB

Buy now $19 What's inside ↓

Add-on available at checkout: SGC Budget Control

Plan every paycheck, see every bill coming, and find the extra payment that powers SGC Debt Free.

Example from the book (fictional household, $16,700 across 5 debts, $300 extra a month): debt-free in 23 months with $2,110 of interest, vs 59 months and $5,285 on minimums only. A worked example, not a promise.

01What's inside

01
Debt Free Workbook (.xlsx)
Up to 25 debts, Method dropdown (SGC Hybrid / Snowball / Avalanche / Custom), dashboard with debt-free date and interest saved, lump sums, 16 tabs. Blank + example copy.
02
Interactive book, 139 pages
55 lessons in 17 chapters, 17 Do It Now boxes, 17 quizzes, the SGC Toolkit and 451 fillable fields.
03
Light print edition, 143 pages
Same book on white pages with larger type. Low ink.
04
Printables, 27 pages
10 core worksheets plus every toolkit page, fillable.
05
30-Day Sprint printable
Daily tasks, quizzes, thermometer, habit tracker and certificates.
06
Lender Call Scripts
6 word-for-word scripts, a pre-call checklist and a call log.
07
AI Ledger Coach prompt
Turn a redacted bank export into a categorized budget and leak list in any AI chat.
08
Setup guide + Start Here
Google Sheets & Excel setup. No Notion or paid app needed.

02Who it's for

+You have 2 to 25 debts and want one clear order and a date to aim for
+You've tried "just budgeting" and stopped, and want small weekly actions and visible milestones
+You like spreadsheets, or you'd rather print and use a pen. Both work.

03Who it's not for

−If you can't cover minimums, have legal or collection action pending, or are considering bankruptcy: speak to a nonprofit credit counselor first
−Mortgages and student-loan forgiveness or income-driven plans aren't modeled
−If you want an app that links to your bank. Nothing connects to your accounts, deliberately.

04FAQ

01Does it work in Google Sheets?+

Yes. Import the .xlsx (File > Import > Upload). Dropdowns, formulas and charts carry over.

02Which Excel versions?+

Microsoft 365 and Excel 2019 or later. In Excel 2016 the focus-debt label uses a newer function; everything else works.

03Is the math right?+

It was tested against an independent simulation for every method, including a 25-debt case with lump sums. It's still an estimate (fixed rates, monthly interest, no fees). Your statements always control.

04Is my data private?+

Everything stays in your own file. Nothing is uploaded and nothing connects to your bank.

05Is this financial advice?+

No. It's educational material.

05Refund & license

7-day refund: if a file doesn't open or work as described, reply to your Gumroad receipt within 7 days.

Personal license. PDFs are stamped to the buyer. No sharing or reselling.

Educational only, not financial advice. Checkout and delivery by Gumroad.

06Related

F-02$10