thecostsheet.com
The Cost Sheet · Debt Tracker
Most trackers
show what you
owe.
This one shows
what you
waste.
The only debt payoff spreadsheet with a built-in
Opportunity Cost tracker.
Real numbers. Real wake-up call.
The
math
doesn't lie.
$0
Spent on distractions
while carrying debt
$0
Total debt owed
could have been cleared sooner
0%
Of debt
was opportunity cost spending
$9
Cost of The Cost Sheet
one-time, instant download
Five sheets. Zero guesswork.
Everything
automated.
01
Opportunity Cost Tracker
Log any purchase → see how many days of debt it represents. Regret Meter included.
02
Debt Tracker
Track every card. Log payments. Watch balances drop in real time.
03
Budget Planner
Income vs. expenses → exact weekly surplus to throw at debt.
04
Payoff Planner
Enter your monthly payment → see the exact date you'll be debt free.
✓
Works in Excel & Google Sheets
Yellow cells = your data. Everything else calculates. Instant download.
THE
COST
SHEET
Every dollar has an opportunity cost. Know yours.
Get it on Etsy — $9
instant download · excel & google sheets · 5 sheets