Debt Payoff Spreadsheet for Google Sheets — Snowball & Avalanche Payoff Planner | Google Sheets

Still making minimum payments? At 24% APR, a $5,000 balance takes 15+ years to clear and costs over $7,000 in interest alone. There is a faster way out — and it starts with a plan that does the math for you.

Debt Payoff Command is a done-for-you payoff system for Google Sheets. Enter your debts, pick Snowball or Avalanche, and it builds your complete month-by-month payoff schedule: which debt to attack first, exactly what to pay each month, your debt-free date, and how much interest you save versus paying minimums only.

📦 WHAT'S INCLUDED

- Payoff workbook for Google Sheets (6 tabs: Start Here · Setup · Debts · Payoff Plan · Payment Tracker · Dashboard)

- Quick Start Guide PDF — from download to debt-free date in 15 minutes

- FAQ & Access Guide PDF — download help, troubleshooting, license & support

- Everything delivered in one ZIP file

⚡ KEY FEATURES

- 🔀 Snowball / Avalanche toggle — switch strategies any time; the whole plan recalculates instantly

- 🏆 Automatic payoff order — rank 1 is always your focus debt

- 🗓️ Full 60-month schedule — minimums + your extra payment auto-aimed at the focus debt every month

- 💸 Per-debt payoff dates and total interest projected

- 📊 Dashboard with debt-free date, interest saved vs minimums-only, payoff chart & per-debt progress

- ✅ Payment Tracker — log real payments in seconds; remaining balances update themselves

- 🔒 Formula cells locked & sheets protected — type only in the peach input cells, the math stays trustworthy

🚀 HOW IT WORKS

1. Download the ZIP, then in Google Sheets go to File > Import > Upload and import the workbook file.

2. On the Setup tab choose your strategy and extra monthly payment; on the Debts tab list every balance, APR, and minimum.

3. Follow your Payoff Plan each month and log payments on the Tracker — watch the Dashboard count down to debt-free.

📌 IMPORTANT NOTES

- Digital download — no physical item will be shipped.

- Built for Google Sheets ONLY — requires a free Google account.

- Single-user license — no redistribution, resale, or sharing.

- Organizational/planning tool: all figures are estimates, not financial advice.

✅ 30-DAY MONEY-BACK GUARANTEE

Buy with confidence. If this system isn't right for your business, message us within 30 days and we'll make it right — free fix or a full refund.

🛍️ LIKE THIS SYSTEM?

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Crafted to keep your books clean and your mind clear.