Debt Payoff Planner

Get a real debt-free date, even when your income isn't the same every month.

This Debt Payoff Planner for Google Sheets turns your list of debts into a clear, month-by-month payoff plan. Compare the Debt Snowball and Debt Avalanche methods side by side, then speed things up with one-time extra payments in your good months. It's built for freelancers, gig workers, commission and tip earners, and anyone with lumpy income.

★ FEATURES

• Up to 15 debts: credit cards, car loan, student loans, medical bills, personal loans

• Snowball (smallest balance first) or Avalanche (highest APR first) toggle

• Side-by-side comparison of debt-free date, months to payoff and total interest

• "Extra this month" column: add a bonus, big client payment or tax refund to any month and the whole plan updates

• Steady extra monthly payment, with automatic minimum-payment rollover

• 20-year month-by-month payoff schedule with a payoff date for each debt

• Progress tab: payoff thermometer, % paid per debt, planned balance chart

• Payment log for your real payments

• Blank + sample versions, with step-by-step instructions inside

★ HOW IT WORKS

1. Download the Buyer Guide PDF after purchase.

2. Click the link and choose "Make a copy". The planner goes into your own Google Drive.

3. Enter your debts and pick a strategy. That's it.

★ GOOD TO KNOW

• Digital download only. Nothing will be shipped. Requires a free Google account. You can download it for Excel.

• Interest is estimated monthly (APR ÷ 12). This is an organizing tool, not financial advice.

• For personal use only. Please don't resell or share the file.

• Because this is a digital item, returns aren't accepted. If anything isn't working, message me and I'll help.

Pair it with my 2027 Budget Planner for Irregular Income to plan your whole money year.

This listing was created with the help of AI tools: the spreadsheet templates, listing images and some text were designed with AI assistance, then reviewed, tested and finalized by me.