Havenstone Finance

Your numbers. Your next step.

Pay down debt.
Plan what comes next.

Choose one calculator and its guide, or get all three in a focused bundle. Start with the question you want to answer.

01

Debt Payoff Optimizer

Snowball or avalanche? Compare on one budget.

$15 individuallyExplore this tool ↓02

Emergency Fund and Safety Net Calculator

How much breathing room do you have?

$12 individuallyExplore this tool ↓03

Savings Goals and Sinking Funds Calculator

Give upcoming expenses a place in your plan.

$9 individuallyExplore this tool ↓
All three, together

Debt & Savings Bundle

3 Excel calculators + 3 PDF guides

$27

$36 separately · Save $9

See the bundle ↓

01 / Excel calculator + PDF guide

Debt Payoff Optimizer

Snowball or avalanche? Compare on one budget.

Organize up to 20 debts and compare snowball and avalanche using the same total monthly payment budget. See how freed payments move to the next debt.

  • Compare payoff order and projected interest
  • Review debt-free dates and monthly schedules
  • Track progress with your own balances
Understand the model’s limits

The minimum-payment baseline uses entered minimums without budget rollover. Estimates assume fixed entered rates, no new charges, and the model’s monthly interest method.

$15

One-time purchase in USD · Desktop Excel · Applicable tax added at checkout

Debt Payoff Optimizer workbook preview with fictional sample data
Actual workbook preview · Fictional sample data
Open image to inspect the details ↗

02 / Excel calculator + PDF guide

Emergency Fund and Safety Net Calculator

How much breathing room do you have?

Set reserve targets, explore savings contributions, and stress-test your current emergency fund against an income interruption.

  • Starter, intermediate, and full reserve targets
  • Explore savings and extra-debt-payment allocations
  • Separate current-reserve stress test
Understand the model’s limits

The stress test uses current reserves, not a future projected savings balance. Results depend on the expenses and disruption assumptions you enter.

$12

One-time purchase · Desktop Excel · Applicable tax added at checkout

Emergency Fund and Safety Net Calculator workbook preview with fictional sample data
Actual workbook preview · Fictional sample data
Open image to inspect the details ↗

03 / Excel calculator + PDF guide

Savings Goals and Sinking Funds Calculator

Give upcoming expenses a place in your plan.

Plan up to 10 savings goals against one shared budget. Compare required contributions with available cash and spot deadline shortfalls.

  • Goal amounts, target dates, and contribution needs
  • Monthly allocations with weekly and biweekly equivalents
  • Explore redirecting money after debt payoff
Understand the model’s limits

Models one upcoming funding cycle per goal, not automatic repeated withdrawals or recurring replacement cycles.

$9

One-time purchase · Desktop Excel · Applicable tax added at checkout

Savings Goals and Sinking Funds Calculator workbook preview with fictional sample data
Actual workbook preview · Fictional sample data
Open image to inspect the details ↗
Debt & Savings Bundle: three calculators and three guides for $27

A focused collection

Debt & Savings Bundle

Work through connected decisions with three separate calculators and their companion guides.

  • Debt Payoff Optimizer
  • Emergency Fund and Safety Net Calculator
  • Savings Goals and Sinking Funds Calculator
$27

Save $9 versus $36 when purchased individually.

One-time purchase in USD · ZIP with 3 Excel files + 3 PDFs · Applicable tax added at checkout

Before you buy

A few useful answers.

What do I receive?

Each individual product includes one Excel workbook and one companion PDF guide. Each bundle includes three workbooks and their three guides. These are digital downloads; no physical items are shipped.

What software do I need?

A desktop version of Microsoft Excel and a PDF reader. The calculators have been tested in desktop Excel. Compatibility with Excel for the web, Google Sheets, Apple Numbers, and mobile apps has not been verified.

Can I enter my numbers if the sheet is protected?

Yes. The designated input cells are editable. Formula cells are protected to help prevent accidental changes. Start with the instructions and replace the fictional example inputs.

Do the workbooks share data or connect to my bank?

No. Each workbook is independent and does not connect to your bank. Keep inputs consistent across files and avoid allocating the same cash to debt payments and savings more than once.

Are upgrades included?

Your purchase includes the product version offered at the time of sale. Confirmed product errors will be addressed; future versions and new products are not included or promised.

What is the license and refund policy?

One purchase covers personal use within one household. Resale, redistribution, and professional/client use are not included. Digital sales are final except where applicable law or the checkout provider requires otherwise. See our Terms and Refund Policy.

What if I need help with my download?

Email support@havenstonefinance.com with your order number. You can also report corrupted files or suspected product errors. We do not provide personalized financial advice.

Your selection

Purchase details

One-time purchase in USD. Applicable tax is calculated at checkout.

Questions about this product? Contact our team before purchasing.

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