Free checklist
Debt Payoff Quick-Start Checklist
A printable, one-page PDF that takes you from a full list of balances to a written payoff plan — with a free calculator built in for the strategy step.
What's inside the checklist
Five short sections, one page. Designed to get your payoff moving this week.
- See the full picture — list every balance, rate, and minimum, and put automatic payments in place
- Choose your strategy — compare avalanche (highest rate first) vs. snowball (smallest balance first) and write your payoff order
- Find your extra payment — the expense to trim and the windfall rule decided before it arrives
- Build momentum — automate above-minimum payments, roll cleared payments forward, avoid new balances
- Know when to pivot — revisit the debt-vs-invest question once high-rate debt is gone
Why a checklist beats good intentions
Debt payoff rarely fails for lack of math — it fails because the plan never gets written down. This checklist forces the two decisions that matter most: your payoff order and the source of your extra payment.
The strategy step pairs directly with our free Debt Payoff Planner, where you can see avalanche vs. snowball side by side with your real balances — and the final section tells you when to shift the money you freed up toward investing.
Pairs with the free Debt Payoff Planner — enter your debts and see avalanche vs. snowball side by side, with your exact debt-free date.
Get the free checklist
Enter your first name and email and we'll send your download link right away — you'll also get instant access on the next screen. No spam, and you can unsubscribe any time.
Frequently asked questions
Is the checklist really free?
Yes. Enter your email and the PDF is yours — no payment, and the checklist download itself isn't locked behind a marketing subscription.
Avalanche or snowball — which does the checklist recommend?
Neither, up front. The checklist helps you compare both strategies and pick the one you'll actually stick with, then pairs with the Debt Payoff Planner to run your real numbers side by side.
Do I need the Debt Payoff Planner to use the checklist?
The checklist stands on its own, but the strategy and momentum steps pair with our free planner so you can see your exact debt-free date and interest savings with your real balances.
Will you ask for my account numbers or balances?
No. The checklist asks you to list balances on your own paper — our form only collects your first name and email.
Your next step
See where your whole picture stands
Debt is one pillar of financial readiness. The free Cube Wealth Readiness Engine™ assessment scores your finances across six pillars and maps your next steps in about five minutes.
This checklist provides general financial education, not individualized investment, tax, or legal advice. Investing involves risk, including loss of principal.