Debt Snowball & Avalanche Planner Kit (Spreadsheet + Printable)

Plan your debt payoff in the spreadsheet, then track your progress on paper. The spreadsheet compares the snowball method (smallest balance first), the avalanche method (highest interest first) and your own order. You see the debt-free date and total interest for each.

★ WHAT YOU GET

• Spreadsheet (.xlsx) with 7 tabs: Start here, Compare, My debts, Snowball, Avalanche, Custom, Payment log

• Up to 10 debts. Month-by-month plan for up to 360 months showing what to pay on each debt and the balance left

• Compare tab: months to debt-free, debt-free date, total interest and total paid for each method, plus a balance chart

• Warnings if a minimum payment doesn't cover the monthly interest or your budget is below your minimums

• Printable tracker PDF, 9 pages, US Letter + A4: debt list, payoff order worksheet, monthly debt budget, 2 payment-log pages, 100-square progress chart, 6 mini trackers, milestones

★ COMPATIBILITY

Made for Google Sheets (free Google account; upload the .xlsx to Google Drive, then open it with Google Sheets), Microsoft Excel 2010 or later, and LibreOffice Calc. Formulas were checked for Google Sheets and Excel compatibility (standard functions only, no macros, no add-ins) and tested in LibreOffice Calc. Unzip the download first (double-click on most computers). Best used on a computer or tablet. Enter dates as real dates (e.g. 3/15/2027 or 15/03/2027).

Printable PDFs in US Letter (8.5 × 11 in) and A4. Print at home or at a print shop (choose 'Actual size' or 'Fit'). The PDFs are for printing and writing by hand. They are not fillable forms.

★ GOOD TO KNOW

• Interest is estimated monthly (balance × APR ÷ 12). Lenders that charge daily interest or fees will differ slightly.

• No currency symbol, so it works in any single currency.

• This is a calculator and tracker, not financial advice. If you're struggling, a free non-profit debt advice service in your country can help.

★ Personal use only: for you and your household. Please don't share, resell or redistribute the files.

★ Digital download: nothing physical is shipped. You get one .zip file; unzip it to get the files.

★ 14-day promise: if a file is faulty or not as described, contact me within 14 days and I'll fix it or refund you.

Made with the help of AI tools (drafting text, layouts and formulas); I chose the content and reviewed and edited every file.