Debt Snowball Spreadsheet UK: Debt-Free Date Calculator (Sheets & Excel)

A UK debt snowball spreadsheet that shows the month you'll be debt-free. Enter credit cards, overdraft, loans, car finance and buy now pay later. Choose snowball (smallest balance first) or avalanche (highest interest first), and see the payoff order, the total interest and a month-by-month plan. Google Sheets and Excel.

Enter your credit cards, overdraft, loans, car finance and Klarna. Choose snowball (smallest balance first, for quick wins) or avalanche (highest APR first, for the least interest), and see your debt-free date and total interest change instantly.

**What you get**

Up to 10 debts: balance, APR and minimum payment

• Your payoff order, the month each debt clears, your debt-free date and the total interest
• When a debt is cleared, its payment rolls into the next one automatically
• 10-year month-by-month schedule with a balance chart
• Tracker for what you actually paid, plus free UK debt-help contacts (StepChange, National Debtline, MoneyHelper)

**Works with:** Google Sheets and Excel.

**FAQ**

• *Snowball or avalanche?* Try both in Settings. The planner shows the debt-free date and interest for each method.
• *Struggling to make minimum payments?* Please contact StepChange or National Debtline first. They're free and confidential.

Start the year right with the **January Budget Reset (£5)**: https://payhip.com/b/P1tMO. Or get **all 10 paid templates for £15**: https://payhip.com/b/D7IUA

**Pairs well with:** the Bills & Budget Planner (£7) to find the spare £: payhip.com/b/JGDzk · the January Budget Reset (£5): payhip.com/b/P1tMO · or get all 10 templates for £15: payhip.com/b/D7IUA

**Free tool:** debt payoff calculator: tidylife-tools.pages.dev/debt-payoff-calculator/

Made with help from your friendly neighbourhood AI.