Debt Payoff Tracker Excel Spreadsheet — Snowball & Avalanche Method Calculator, Automatic Payoff Ranking, Budget Planner Template

Stop guessing which debt to pay off first. This spreadsheet automatically ranks your debts by both the Snowball (smallest balance) and Avalanche (highest interest) methods, so you can see exactly which strategy saves you more money and time. Just enter your balances, rates, and minimum payments — the calculator does the rest. Includes a monthly payment log and payoff progress snapshot. Instant download, Excel & Google Sheets compatible.