Debt Destroyer: Pay Off Debt Years Faster — Excel Spreadsheet with Snowball & Avalanche Payoff Plan

Minimum payments are designed to keep you in debt. This spreadsheet is designed to get you out. You know the balances. You know the APRs. What you don't know is the plan — which debt to attack first, when you'll actually be free, and how much those minimum payments are really costing you. Debt Destroyer answers all three in one spreadsheet. WHAT'S INSIDE: Start Here tab (4-step walkthrough + color key); My Debts (log up to 30 debts: creditor, balance, APR, minimum payment — monthly interest and payoff rank calculate automatically); Payoff Plan (Snowball vs Avalanche toggle, extra-payment input, estimated debt-free date, total interest, interest saved vs minimums; payoff order table with #1 target highlighted); Dashboard (total debt, monthly attack payment, debt-free date, interest saved). Quick-Start Guide PDF included. Files: XLSX spreadsheet + Quick-Start Guide PDF. Works in Excel and Google Sheets. Instant download. Free lifetime updates. 7-day refund, no questions asked. This is an organizational and educational tool, not financial advice.