Debt Snowball Payoff Planner — Debt-Free Date & Interest Calculator Spreadsheet (Excel + Google Sheets)

A working debt-snowball calculator, not a printable worksheet. Enter your debts smallest balance first, add the extra amount you can put toward debt each month, and the spreadsheet does the planning:

• Snowball order laid out automatically from your list.
• Estimated payoff month and date for every debt, with each paid-off minimum rolled into the next debt, the way the snowball method actually works.
• Side-by-side interest cost: what a debt costs if you only ever pay its minimum vs. what it costs on the snowball plan — and the total interest the plan saves.
• A debt-free date that moves as you experiment — raise the extra payment by $25 and watch the date pull in.
• PAYMENT TOO LOW warnings on any debt whose minimum doesn't cover its monthly interest.

Includes example debts with realistic numbers (clearly marked) so you can see the calculations respond before entering your own, plus a quick-start guide. Estimates assume fixed APRs and on-time payments; it is a planning tool, not financial advice.

Works in Microsoft Excel and Google Sheets. One-time purchase, no subscription.