Debt Payoff Tracker — Snowball & Avalanche Method in Excel

Stop making minimum payments and never seeing the balance drop.

This spreadsheet gives you a clear plan to pay off every debt 

— faster and smarter. Enter your debts once, choose your method, 

and know exactly which debt to attack first every month.

WHAT YOU GET:

→ 1 Excel file (.xlsx) — works in Microsoft Excel and Google Sheets

→ 5 tabs included:

  • Debt List — enter all debts: name, balance, interest rate, payments

  • Debt Snowball — ranked by smallest balance for quick wins

  • Debt Avalanche — ranked by highest interest to save the most money

  • Dashboard — total debt, monthly payments, active debts at a glance

  • Start Here — instructions to get started in 5 minutes

→ Supports up to 10 debts simultaneously

→ Automatic ranking per method — nothing to sort manually

→ Color-coded: blue cells = enter your data | black = calculated

→ Instant download — no waiting, no account needed

PERFECT FOR:

→ Anyone ready to get serious about paying off debt

→ People choosing between Snowball and Avalanche methods

→ Freelancers and small business owners managing multiple debts

→ Anyone who wants a clear, visual plan instead of spreadsheet chaos

HOW IT WORKS:

1. Download instantly after purchase

2. Open in Excel or Google Sheets

3. Enter your debts in the Debt List tab — both method tabs update automatically

No formulas to build. No setup required. Just enter your debts and go.

Questions? Message me via Gumroad — I respond within 24 hours.