Debt Payoff Tracker Spreadsheet, Snowball & Avalanche Plan for Excel and Google Sheets

Know what to pay next — without rebuilding the plan every month.

If you have several debts and every balance feels urgent, THE PAYOFF turns the numbers into one clear next action. Add each balance, APR and minimum payment, choose Snowball or Avalanche, and the workbook shows the current target, minimum, extra amount and total payment for this month.

Who this is for

This is for adults who want a calm, non-shaming way to organise multiple debts. You do not need to enjoy spreadsheets or build formulas. The editable cells are clearly marked; the calculation system stays protected in the background.

What it does

- Tracks up to 20 active debts

- Supports Snowball and Avalanche priority

- Shows the exact current target debt

- Separates minimum, extra + rolled payment, and total this month

- Rolls freed payment capacity into the next debt automatically

- Builds a month-by-month payoff plan

- Projects a debt-free date and total interest

- Compares the current plan with +$50, +$100, +$200 and a custom extra

- Includes a calm dashboard and optional payment log

What you receive

1. Excel workbook

2. Google Sheets-compatible workbook

3. 5-page Quick Start PDF

4. 1-page Start Here PDF

5. Personal-use licence

How it works

1. Add debt names, balances, APRs and minimums.

2. Choose Snowball or Avalanche.

3. Enter the amount you can add above minimums.

4. Open DASHBOARD and follow What to Pay Next.

5. Update Current Balance after real payments post.

Compatibility

Excel provides the most faithful desktop experience. For Google Sheets, upload the included compatible workbook to Google Drive and choose **Open with Google Sheets**. This edition is undated and formatted in USD.

Important notes

This is an instant digital download; no physical item will be shipped. It does not connect to bank accounts or make payments. Projections are estimates and can differ from lender calculations because of daily interest, fees, promotional terms, minimum changes and payment timing. This product is an organising tool, not financial, legal, tax, investment, credit or debt-counselling advice. No result is guaranteed.