Free Debt Payoff Mini Planner – Debts, Snowball/Avalanche Order & Extra Payments (Excel & Google Sheets)

List every debt in one place and see exactly which one to attack first — free. A mini version of a full debt payoff plan, in one simple spreadsheet.

- Debts tab: every debt with balance, APR and minimum payment (up to 12 debts)

- Payoff Order tab: snowball (smallest balance first) and avalanche (highest APR first) orders calculated automatically, side by side

- Extra Payments tab: log every extra payment you actually send, with a cumulative total that shows your momentum

- Dashboard: total balance, total minimums per month, number of debts, weighted-average APR and a rough months-to-clear estimate (ignores interest — for motivation, not a forecast)

- Pre-filled with sample data (3 debts totalling 8,900) so you can see both orders, then type over the yellow cells

- Any currency • Excel, Google Sheets, Numbers, LibreOffice • quick-start PDF guide included

Free digital download. No physical item. Personal use only. Not financial advice. Inside the file: one tasteful line pointing to the full paid Debt Snowball & Avalanche planner at payhip.com/SmartBudgetSheetsShilo.