the debt payoff planner

Stop guessing when you'll be debt-free. Know exactly.

Most debt payoff trackers are just a place to write down numbers. This one actually calculates your future — accurate compounding interest, real payoff math, and a plan that updates itself as your numbers change.

Here's what happens when you open it:

List your debts — balances, interest rates, minimum payments. Takes five minutes.

Pick your method. Snowball knocks out your smallest balance first, for fast wins and momentum. Avalanche attacks your highest interest rate first, for the lowest total cost. Switch between them anytime and watch the math update instantly.

See your finish line. Your exact debt-free date. Your total interest paid. A full month-by-month schedule showing precisely which debt gets your extra payment, and when.

Track the real thing. Each month, log your actual balances. Your extra payment can flex up or down as life happens — got a bonus? A slow month? Update it, and the plan adjusts.

What's inside:

• A clean Dashboard with your total debt remaining, percent paid off, and a visual progress chart
• Room for up to 15 debts — cards, loans, medical debt, anything
• True Snowball and Avalanche calculations, including the "snowball effect" of rolling paid-off minimums into your next target
• A Monthly Tracker built for the long haul, not just a one-time calculator
• A short video walkthrough so you're never stuck wondering what to do next

Built for Google Sheets. No software to install, no subscription, no account required. Just your numbers and a plan.