For families paying off credit cards
Know your debt-free date. Then get there.
Libreta Money is the family money notebook your mom or abuela kept, except it does the math for you. Budget, debts, bills and savings in one spreadsheet, in English and Spanish.
Free calculator. Two minutes. No sign-up.
- English and Spanish
- Excel and Google Sheets
- Pay once, no subscription
Paying every month and the balance barely moves?
You're not bad with money. Minimum payments are built to keep you paying for years. What most families are missing isn't discipline. It's a plan they can see.
Example family: $26,500 in cards and a car loan
Minimums only
5 years and 7 months
$10,850 in interest
With a plan and $150 extra a month
3 years and 1 month
$4,362 less interest
Illustration using the example numbers in the spreadsheet. Your results depend on your own numbers.
How it works
- 1
Write it down
Enter your income, bills and debts in the light blue cells. The example data shows you how.
- 2
Pick your method
Snowball (smallest balance first) or avalanche (highest interest first). Switch anytime and compare.
- 3
Watch it move
Your debt-free date, payoff order and month-by-month plan update as you go.
What's inside
Eight tabs. One family notebook.
- Start Here
- Step-by-step setup and a one-click language switch.
- Dashboard
- Your month at a glance: what came in, what went out, what's left and your debt-free date.
- Monthly Budget
- Planned vs. actual for every month of the year, with the current month highlighted.
- Debt Payoff
- Snowball or avalanche, extra payments, payoff order and a month-by-month schedule.
- Sinking Funds
- Set money aside for school, birthdays and the holidays before they hit.
- Bill Calendar
- Due dates, autopay and a paid checkbox, so nothing slips.
- Savings Goals
- Emergency fund and other goals with progress bars.
- Micro Wins
- Skip a coffee, log it, and watch small wins move your date.
Plus an example version to learn from and a blank version to make your own.
Made for bilingual homes
Every label, tip and chart switches between English and Spanish with one click. Fill it out in one language, and your partner or your mom can read it in the other.
Is it for you?
It's for you if
- You have credit cards or loans and want a clear plan to pay them off.
- You want to see where your money goes each month without an app watching your bank account.
- You're okay typing numbers into a spreadsheet, or willing to learn with the example.
It's not
- Credit repair. It doesn't fix or dispute anything on your credit report.
- Financial advice. It's a tool to organize your own numbers and decisions.
- An app or a subscription. It's a spreadsheet you own and keep.
Start free
Not sure yet? Get your free debt-free plan first.
Enter your debts in the free calculator and we'll email you a personal PDF plan: your debt-free date, payoff order and month-by-month schedule.
Get my free plan
One price. Yours to keep.
Libreta Money
$37 one time
- The full spreadsheet: all 8 tabs
- English and Spanish in one file
- Excel (.xlsx) and Google Sheets
- Example version and blank version
- Free updates to this version
Launching December 26. Get your free plan now and you'll hear first, with a launch discount.
14-day refund. If it's not working for you, reply to your receipt email and tell us why. We'll help you fix it or refund you. Refund policy
Questions
Do I need Excel?
No. It works in free Google Sheets, and in Microsoft Excel if you have it. You get both versions.
Can I use it on my phone?
You can view and update it in the Google Sheets app. Setting it up the first time is easier on a computer.
Does it connect to my bank?
No. You type your own numbers. Nothing is linked to your bank and nobody sees your data but you.
Is it a subscription?
No. You pay once and keep it.
Snowball or avalanche: which one should I pick?
The one you'll stick with. Avalanche usually saves a little more interest. Snowball gets you quick wins. The spreadsheet shows both, so you can compare with your own numbers.
Will this fix my credit score?
No. Libreta Money is a budgeting and payoff planning tool. It is not credit repair and makes no promises about your credit score.
What if it's not for me?
Reply to your receipt email within 14 days and tell us what isn't working. We'll help you fix it, or refund you if it's still not for you.
Know your debt-free date. Then get there.