Debt Payoff Tracker Spreadsheet — Snowball & Avalanche Calculator (Excel + Google Sheets)

Pay off debt faster — and finally see the finish line. 💚

The Sunday Ledger Debt Payoff Tracker turns a pile of balances into one calm, clear plan. Enter your debts once and watch the spreadsheet build your payoff schedule, your debt-free date, and the interest you'll save — using the two methods that actually work: the Debt Snowball and the Debt Avalanche.

✦ What's included

- Debt Payoff Tracker in Excel (.xlsx) AND Google Sheets

- Snowball & Avalanche methods — switch anytime, the plan rebuilds itself

- Auto-calculated payoff date, months remaining & interest saved

- Dashboard with progress bars and a balance-over-time chart

- Light & "Midnight Pine" dark version, both in the file

- Step-by-step Welcome Guide (PDF)

- Room for up to 10 debts — credit cards, loans, medical, student debt

✦ How it works

1. Download instantly after purchase

2. Open in Excel, or in Google Sheets tap File › Make a copy

3. Type your balances, APRs and minimum payments into the clay-outlined cells

4. Pick Snowball or Avalanche — your plan updates automatically

✦ Who it's for

Couples budgeting together, anyone climbing out of credit card or loan debt, and savers who want their money tidy without a complicated app. If you can type a number, you can use this.

✦ Why it's different

Most trackers are a bare grid. This one is a designed studio piece — calm colors, clear typography, and a real dashboard — so sitting down with your money feels like a quiet Sunday morning, not a chore. One beautiful file you'll actually open.

✦ Compatibility

- Excel (Microsoft 365, 2019+, Mac & Windows)

- Google Sheets (free — just a Google account)

- No extra software, no subscriptions, nothing to install

✦ FAQ

Q: Do I need Excel? — No, the Google Sheets version is 100% free.

Q: Is it a one-time payment? — Yes. Buy once, keep forever.

Q: Can I edit it? — Absolutely, it's fully editable. Add or remove debts anytime.

Q: Will it work on my phone? — Yes, in the Google Sheets or Excel mobile app.

⬇ Instant download

This is a digital product. No physical item will be shipped. Your files are available to download immediately after purchase — via your email receipt and your download link.

Terms of use

For personal use only. Please do not resell, redistribute, share, or claim this template or its files as your own. All designs © Sunday Ledger. Thank you for respecting a small shop. 🤍

Money, sorted on a Sunday.

Questions before you buy? Send a message — happy to help. — Sunday Ledger