Debt Payoff Tracker Spreadsheet – Snowball & Avalanche Calculator (Google Sheets & Excel)

Description

Become debt-free faster with a clear, month-by-month plan. Enter your debts once, and this spreadsheet shows your exact debt-free date, how much interest you'll pay, and how much to pay on each debt every month.

Works in Google Sheets and Microsoft Excel. Instant download, no subscription.

WHAT IT DOES

✔ Snowball OR Avalanche: switch methods with one click
✔ Side-by-side comparison showing which method saves you more money
✔ Your debt-free date and payoff date for every single debt
✔ Total interest you'll pay, calculated automatically
✔ Monthly Plan: exactly how much to pay on each debt, every month
✔ Rollover built in: when one debt is paid off, its payment moves to the next
✔ Payment Log with progress bars to track real payments
✔ "Balance going down" chart
✔ Up to 20 debts: credit cards, car loans, student loans, medical bills, personal loans
✔ Warning if a minimum payment doesn't cover the interest

HOW IT WORKS

1. Enter each debt: balance, interest rate (APR) and minimum payment
2. Add any extra amount you can pay each month
3. Pick Snowball or Avalanche
4. Follow your Monthly Plan and log your payments

WHAT YOU GET

• 1 spreadsheet file (.xlsx) with 4 tabs: Start Here, My Debts, Monthly Plan, Payment Log
• Step-by-step instructions inside the file, including how to open it in Google Sheets

YOU'LL NEED

• A free Google account (Google Sheets) or Microsoft Excel (desktop or Office 365)
• Works on computer, tablet and phone. A computer is easiest for the first setup.
• Apple Numbers is not supported.

PLEASE NOTE

• This is a digital product. No physical item will be shipped.
• Due to the nature of digital files, returns are not accepted. If you have any trouble, contact me through the Contact page and I'll help.
• For personal use only. Not financial advice. Interest is estimated monthly (APR ÷ 12).

After payment, your download link appears right away on the order confirmation page and in your email.

Made by Yellowick 💛