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

See your debt-free date – and how much interest you save – in minutes.

What's inside:

- Up to 8 debts (credit cards, car, student, personal loans)

- Switch between Snowball (smallest balance first) and Avalanche (highest interest first) with one dropdown

- True rollover: when a debt is paid off, its payment automatically moves to the next

- 10-year month-by-month payoff schedule, payoff date and interest per debt

- Dashboard: debt-free date, total interest, balance-over-time chart

Instant digital download • Excel + Google Sheets • Any currency • Setup guide included. No physical item. Personal use only. Not financial advice.