Debt Payoff Tracker: Snowball & Avalanche Calculator | Excel & Google Sheets

DEBT PAYOFF TRACKER | K&M Financial Publishing Group

Snowball or avalanche? Enter your debts once and see both plans side by side: how many months until you're debt-free, which month each debt is gone, and how much interest each method costs.

WHAT'S INCLUDED (instant download, one ZIP file)

- KM-Debt-Payoff-Tracker-Snowball-Avalanche.xlsx: the spreadsheet, with an Instructions tab, a filled-in Example tab, and blank "My" tab(s) for you

- KM-Debt-Payoff-Tracker-Printable-US-Letter.pdf and -A4.pdf: ink-friendly pages to fill in by hand

- KM-Debt-Payoff-Tracker-Printable-US-Letter-FILLABLE.pdf and -A4-FILLABLE.pdf: the same printable pages as fillable PDFs you can type into on screen in a free PDF reader (type-in boxes and checkboxes; they don't calculate totals)

- KM-Debt-Payoff-Tracker-How-To-Use-and-Google-Sheets.pdf: a 1-page quick start

FEATURES

- Snowball AND avalanche plans from one debt list

- Payoff month for every debt, both methods

- Debt-free date + total interest comparison

- Month-by-month schedule (up to 10 debts, 30 years)

- Flags minimums too low to cover interest

- Progress % and charts

HOW IT WORKS

1. Enter each debt's balance, APR, and minimum payment, plus any extra you can pay each month.

2. Compare months until debt-free, debt-free month, and total interest for both methods.

3. See the payoff month for every debt and a month-by-month schedule.

4. Update current balances anytime to watch your % paid off grow.

Pairs with our plain-English book Fund This First (on Amazon). The plan is an estimate based on the numbers you enter; real statements will vary a little.

HOW TO OPEN IT

1. After checkout you'll get a download link right away (it's also emailed to you). Unzip the file (Windows: right-click > Extract All; Mac: double-click).

2. Excel: double-click the .xlsx file (click Enable Editing if you see Protected View). Works in Microsoft Excel desktop or Excel for Microsoft 365.

3. Google Sheets (free Google account): at drive.google.com click New > File upload, choose the .xlsx, then right-click it > Open with > Google Sheets > File > Save as Google Sheets.

4. Prefer paper? Print the PDF pages (US Letter or A4), choosing Actual size or Fit to page.

SAVE WHEN YOU BUY MORE

Any 3 of our $5.99 downloads (these templates plus our newer $5.99 planners) for $13.99 with code PICK3, or any 6 for $24.99 with code PICK6. Enter the code at checkout. Codes work within the $5.99 tier.

GOOD TO KNOW

- Instant digital download. No physical item will be shipped.

- No macros, nothing to install. Formula cells are locked so they don't get erased by accident (no password; you can unprotect them).

- Colors may look slightly different between Excel, Google Sheets, and your screen.

- For personal use only. Please don't resell or share the files.

- Questions? Email service@kmfinancialgroups.com.

REFUNDS

These are instant digital downloads, so all sales are final. If a file won't open or is damaged, email service@kmfinancialgroups.com within 30 days and we'll send a replacement or refund your purchase.

Preview images show example numbers for illustration only.

Educational tool, not financial, tax, or investment advice. Your results depend on your own numbers and choices.

Designed by K&M Financial Publishing Group using digital design tools, including AI-assisted drafting; every design is reviewed and approved by us.