You're carrying debt in the dark. You know roughly what you owe, you're making the minimum payments, and you have no real idea when it ends — because nobody has ever shown you a specific date. 

Intentional Money Moves gives you that date. Not a rough estimate based on national averages — your actual debt-free date, based on your real income, your real bills, and the strategy that fits your specific situation. 

For the first time, you can see the whole picture, understand what's driving your financial health, and hold a concrete plan with a finish line. That's the shift — from managing debt indefinitely to eliminating it intentionally. 

Intentional Money Moves is a Google Sheets–based personal finance tool with nine connected tabs covering income tracking, expense tracking, debt management, a debt payoff calculator, spending analytics, a payoff timeline, and a printable Financial Health Report. 

It compares the Snowball and Avalanche debt payoff methods against your specific numbers and recommends the better one for your situation. All tabs are connected — change one input and every calculation updates automatically. 

One-time purchase, no subscription, no app to install, works anywhere Google Sheets runs.