# Debt Freedom & Payoff Planner!

**Know Exactly When You'll Be Debt-Free. And How Much You'll Save Getting There.**

A complete debt payoff system in one spreadsheet — compare the Avalanche and Snowball methods side by side, model any extra payment, and see your exact debt-free date and total interest for whichever strategy you choose. Just enter your debts once — everything else updates automatically.

**What's Inside**

- 📊 **Full Payoff Schedule** — a month-by-month plan for every debt, up to 15 years out, showing exactly what to pay and what's left

- 🏔️ **Avalanche Strategy** — automatically prioritizes your highest-interest debt first, to minimize total interest paid

- ⛄ **Snowball Strategy** — automatically prioritizes your smallest balance first, for faster wins and more motivation

- ⚖️ **Side-by-Side Strategy Comparison** — months saved, interest saved, and a clear verdict on which approach wins for your actual debts

- 💰 **Extra Payment Modeller** — add any extra amount each month and instantly see your new payoff date and interest saved

- 🎉 **Milestone Tracker** — celebrate every debt as it's cleared, under either strategy

- 📈 **Visual Dashboard** — total debt, weighted average APR, debt breakdown by type, and payoff timeline charts, all at a glance

**Why You'll Like It**

Everything recalculates instantly — change a balance, a rate, or your extra payment, and every schedule, comparison, and chart updates automatically. No manual rework, ever.

**What's Included**

- Instant .xlsx download

- Compatible with Microsoft Excel 2016+ and Google Sheets

- No macros, plugins, or add-ons needed

- Lifetime access and all future updates

- Clean, color-coded inputs so you always know what to edit

- Track up to 15 debts — credit cards, loans, medical bills, anything with a balance and a rate

**Who It's For**

Anyone juggling more than one debt who wants a real plan instead of just making minimum payments. Whether you're deciding between Avalanche and Snowball, figuring out if extra payments are worth it, or just want to see a concrete date instead of an open-ended balance, this gives you the actual numbers.

**One-time payment, lifetime access & updates**