Debt Payoff Planner Spreadsheet — Snowball & Avalanche Calculator (Excel & Google Sheets)

Know your exact debt-free date. Enter each balance, APR, and minimum payment — the planner ranks your payoff order two ways (snowball for quick wins, avalanche for least interest), then shows what an extra payment saves in months AND dollars.

WHAT'S INCLUDED:

Debt Payoff Planner spreadsheet (10 debt slots);

Snowball rank + Avalanche rank, auto-calculated;

Per-debt: months to payoff, total interest, interest saved with extra payments;

Debt-free date projections that update live;

Instructions tab;

Works in Microsoft Excel and Google Sheets.

REQUIREMENTS: Excel (2016+) or a free Google Sheets account. This is a digital download — no physical product will be shipped. Personal use license.