Debt Payoff Spreadsheet (Snowball & Avalanche)
$19.99 USD · instant download
Enter your debts once and get your complete payoff timeline: snowball vs. avalanche, debt-free date, and interest saved.
Buy Now — $19.99Secure checkout via Gumroad · buy once, use forever
Who it's for
Most debt trackers are just lists — they show you the mountain but not the path down. This Debt Payoff Spreadsheet builds your complete payoff timeline automatically: enter your debts once and your monthly budget, and it orders every debt by your chosen method, with exact monthly payments, months to payoff, interest cost, and the month you'll make your final payment.
It's for anyone on a debt-free journey — credit cards, student loans, auto loans, medical debt. Whether you're team snowball (smallest balance first, for quick wins) or team avalanche (highest APR first, for minimum interest), the spreadsheet runs both and shows you the difference.
What's inside
- My Debts tab: creditor, type, balance, APR, minimum payment, and due day — with dropdowns and 4 example debts so you see how it works instantly.
- Snowball Plan: debts auto-ordered smallest balance first, each with payoff order, months to payoff, and interest paid.
- Avalanche Plan: same engine, ordered by highest APR first — with a side-by-side comparison and an automatic “winner” callout showing interest saved.
- Dashboard: total debt, debts remaining, your debt-free date, total interest per method, and a progress bar that moves as you log payments.
- 12-month Payment Tracker with running remaining balance.
How it works
- Download the .xlsx file instantly after checkout.
- Replace the 4 example debts with your own balances, APRs, and minimums (yellow cells are yours to edit).
- Set your monthly payment budget on the Dashboard — everything recalculates. Then log payments monthly and watch your debt-free date move closer.
Frequently asked questions
Snowball or avalanche — which should I pick?
The spreadsheet calculates both and shows you the exact interest difference, so you can decide with real numbers. Psychologically, snowball's quick wins keep many people going; mathematically, avalanche usually saves more.
How accurate are the payoff dates?
Every calculation was verified against a month-by-month payoff simulation. They're planning estimates — they assume minimums stay constant and rates stay fixed — but they're precise estimates.
What if I have a 0% promo APR?
It's handled: enter 0% and the plan works. Just remember to update the rate when the promo ends.
Excel or Google Sheets?
Both — Excel 2016+ or a free Google account via File → Import.
Get the Debt Payoff Spreadsheet (Snowball & Avalanche)
Instant download. Yours forever.
Buy Now — $19.99
